ZURICH INSURANCE GROUP AG (1ZURN.MI) Fundamental Analysis & Valuation

BIT:1ZURN • CH0011075394

630 EUR
+15 (+2.44%)
Last: Feb 25, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This 1ZURN.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

1ZURN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. 1ZURN has an average financial health and profitability rating. 1ZURN is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. 1ZURN.MI Profitability Analysis

1.1 Basic Checks

  • 1ZURN had positive earnings in the past year.
  • 1ZURN had a positive operating cash flow in the past year.
  • Each year in the past 5 years 1ZURN has been profitable.
  • 1ZURN had a positive operating cash flow in each of the past 5 years.
1ZURN.MI Yearly Net Income VS EBIT VS OCF VS FCF1ZURN.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • 1ZURN has a Return On Assets of 1.67%. This is in the better half of the industry: 1ZURN outperforms 63.04% of its industry peers.
  • 1ZURN has a better Return On Equity (23.84%) than 84.78% of its industry peers.
Industry RankSector Rank
ROA 1.67%
ROE 23.84%
ROIC N/A
ROA(3y)1.5%
ROA(5y)1.37%
ROE(3y)21.39%
ROE(5y)18.67%
ROIC(3y)N/A
ROIC(5y)N/A
1ZURN.MI Yearly ROA, ROE, ROIC1ZURN.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • 1ZURN has a Profit Margin of 8.98%. This is comparable to the rest of the industry: 1ZURN outperforms 50.00% of its industry peers.
  • 1ZURN's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 13.88%, 1ZURN is doing good in the industry, outperforming 60.87% of the companies in the same industry.
  • 1ZURN's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 13.88%
PM (TTM) 8.98%
GM N/A
OM growth 3Y4.89%
OM growth 5Y5.02%
PM growth 3Y4.03%
PM growth 5Y5.28%
GM growth 3YN/A
GM growth 5YN/A
1ZURN.MI Yearly Profit, Operating, Gross Margins1ZURN.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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4

2. 1ZURN.MI Health Analysis

2.1 Basic Checks

  • 1ZURN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 1ZURN has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for 1ZURN has been reduced compared to 5 years ago.
  • Compared to 1 year ago, 1ZURN has an improved debt to assets ratio.
1ZURN.MI Yearly Shares Outstanding1ZURN.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
1ZURN.MI Yearly Total Debt VS Total Assets1ZURN.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B

2.2 Solvency

  • The Debt to FCF ratio of 1ZURN is 2.59, which is a good value as it means it would take 1ZURN, 2.59 years of fcf income to pay off all of its debts.
  • 1ZURN has a Debt to FCF ratio (2.59) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.49 indicates that 1ZURN is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.49, 1ZURN is in the better half of the industry, outperforming 65.22% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.59
Altman-Z N/A
ROIC/WACCN/A
WACC4.63%
1ZURN.MI Yearly LT Debt VS Equity VS FCF1ZURN.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • 1ZURN has a Current Ratio of 0.90. This is a bad value and indicates that 1ZURN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of 1ZURN (0.90) is better than 84.78% of its industry peers.
  • A Quick Ratio of 0.90 indicates that 1ZURN may have some problems paying its short term obligations.
  • The Quick ratio of 1ZURN (0.90) is better than 84.78% of its industry peers.
Industry RankSector Rank
Current Ratio 0.9
Quick Ratio 0.9
1ZURN.MI Yearly Current Assets VS Current Liabilites1ZURN.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. 1ZURN.MI Growth Analysis

3.1 Past

  • 1ZURN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.55%, which is quite good.
  • Measured over the past years, 1ZURN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.05% on average per year.
  • 1ZURN shows a small growth in Revenue. In the last year, the Revenue has grown by 2.58%.
  • The Revenue has been growing slightly by 6.51% on average over the past years.
EPS 1Y (TTM)17.55%
EPS 3Y21.22%
EPS 5Y13.05%
EPS Q2Q%33.76%
Revenue 1Y (TTM)2.58%
Revenue growth 3Y15.06%
Revenue growth 5Y6.51%
Sales Q2Q%15.25%

3.2 Future

  • 1ZURN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.70% yearly.
  • The Revenue is expected to grow by 1.08% on average over the next years.
EPS Next Y6.69%
EPS Next 2Y8.21%
EPS Next 3Y4.39%
EPS Next 5Y4.7%
Revenue Next Year5%
Revenue Next 2Y4.56%
Revenue Next 3Y2.36%
Revenue Next 5Y1.08%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1ZURN.MI Yearly Revenue VS Estimates1ZURN.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B
1ZURN.MI Yearly EPS VS Estimates1ZURN.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60

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2

4. 1ZURN.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.51, which indicates a correct valuation of 1ZURN.
  • 1ZURN's Price/Earnings ratio is a bit more expensive when compared to the industry. 1ZURN is more expensive than 63.04% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.29. 1ZURN is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 15.03 indicates a correct valuation of 1ZURN.
  • 73.91% of the companies in the same industry are cheaper than 1ZURN, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.57, 1ZURN is valued a bit cheaper.
Industry RankSector Rank
PE 15.51
Fwd PE 15.03
1ZURN.MI Price Earnings VS Forward Price Earnings1ZURN.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1ZURN indicates a somewhat cheap valuation: 1ZURN is cheaper than 67.39% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, 1ZURN is valued a bit more expensive than 67.39% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.76
EV/EBITDA 10.04
1ZURN.MI Per share data1ZURN.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.32
PEG (5Y)1.19
EPS Next 2Y8.21%
EPS Next 3Y4.39%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 1ZURN.MI Dividend Analysis

5.1 Amount

  • 1ZURN has a Yearly Dividend Yield of 4.67%, which is a nice return.
  • 1ZURN's Dividend Yield is a higher than the industry average which is at 4.03.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1ZURN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.67%

5.2 History

  • On average, the dividend of 1ZURN grows each year by 9.56%, which is quite nice.
Dividend Growth(5Y)9.56%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 68.62% of the earnings are spent on dividend by 1ZURN. This is not a sustainable payout ratio.
  • 1ZURN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP68.62%
EPS Next 2Y8.21%
EPS Next 3Y4.39%
1ZURN.MI Yearly Income VS Free CF VS Dividend1ZURN.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B
1ZURN.MI Dividend Payout.1ZURN.MI Dividend Payout, showing the Payout Ratio.1ZURN.MI Dividend Payout.PayoutRetained Earnings

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1ZURN.MI Fundamentals: All Metrics, Ratios and Statistics

ZURICH INSURANCE GROUP AG

BIT:1ZURN (2/25/2026, 7:00:00 PM)

630

+15 (+2.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)08-05
Inst Owners42.04%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap92.21B
Revenue(TTM)75.71B
Net Income(TTM)6.80B
Analysts47.5
Price Target599.09 (-4.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.67%
Yearly Dividend28.36
Dividend Growth(5Y)9.56%
DP68.62%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.63%
PT rev (3m)2.63%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.31%
EPS NY rev (3m)0.31%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.06%
Valuation
Industry RankSector Rank
PE 15.51
Fwd PE 15.03
P/S 1.42
P/FCF 19.76
P/OCF 18.15
P/B 3.76
P/tB 6.67
EV/EBITDA 10.04
EPS(TTM)40.62
EY6.45%
EPS(NY)41.93
Fwd EY6.65%
FCF(TTM)31.89
FCFY5.06%
OCF(TTM)34.71
OCFY5.51%
SpS445.22
BVpS167.69
TBVpS94.51
PEG (NY)2.32
PEG (5Y)1.19
Graham Number391.49
Profitability
Industry RankSector Rank
ROA 1.67%
ROE 23.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 13.88%
PM (TTM) 8.98%
GM N/A
FCFM 7.16%
ROA(3y)1.5%
ROA(5y)1.37%
ROE(3y)21.39%
ROE(5y)18.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)2.34%
ROCE(5y)2.14%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y4.89%
OM growth 5Y5.02%
PM growth 3Y4.03%
PM growth 5Y5.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.59
Debt/EBITDA 1.23
Cap/Depr 55.94%
Cap/Sales 0.63%
Interest Coverage 19.35
Cash Conversion 51.93%
Profit Quality 79.76%
Current Ratio 0.9
Quick Ratio 0.9
Altman-Z N/A
F-Score7
WACC4.63%
ROIC/WACCN/A
Cap/Depr(3y)48.54%
Cap/Depr(5y)56.85%
Cap/Sales(3y)0.59%
Cap/Sales(5y)0.74%
Profit Quality(3y)121.13%
Profit Quality(5y)105.39%
High Growth Momentum
Growth
EPS 1Y (TTM)17.55%
EPS 3Y21.22%
EPS 5Y13.05%
EPS Q2Q%33.76%
EPS Next Y6.69%
EPS Next 2Y8.21%
EPS Next 3Y4.39%
EPS Next 5Y4.7%
Revenue 1Y (TTM)2.58%
Revenue growth 3Y15.06%
Revenue growth 5Y6.51%
Sales Q2Q%15.25%
Revenue Next Year5%
Revenue Next 2Y4.56%
Revenue Next 3Y2.36%
Revenue Next 5Y1.08%
EBIT growth 1Y19.51%
EBIT growth 3Y20.69%
EBIT growth 5Y11.87%
EBIT Next Year2.57%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-25.04%
FCF growth 3Y6.35%
FCF growth 5Y1.04%
OCF growth 1Y-22.37%
OCF growth 3Y5.38%
OCF growth 5Y0.7%

ZURICH INSURANCE GROUP AG / 1ZURN.MI FAQ

What is the ChartMill fundamental rating of ZURICH INSURANCE GROUP AG (1ZURN.MI) stock?

ChartMill assigns a fundamental rating of 4 / 10 to 1ZURN.MI.


Can you provide the valuation status for ZURICH INSURANCE GROUP AG?

ChartMill assigns a valuation rating of 2 / 10 to ZURICH INSURANCE GROUP AG (1ZURN.MI). This can be considered as Overvalued.


What is the profitability of 1ZURN stock?

ZURICH INSURANCE GROUP AG (1ZURN.MI) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for 1ZURN stock?

The Price/Earnings (PE) ratio for ZURICH INSURANCE GROUP AG (1ZURN.MI) is 15.51 and the Price/Book (PB) ratio is 3.76.


Is the dividend of ZURICH INSURANCE GROUP AG sustainable?

The dividend rating of ZURICH INSURANCE GROUP AG (1ZURN.MI) is 6 / 10 and the dividend payout ratio is 68.62%.