ZURICH INSURANCE GROUP AG (1ZURN.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1ZURN - CH0011075394 - Common Stock
605 EUR
-5 (-0.82%)
Taking everything into account, 1ZURN scores 5 out of 10 in our fundamental rating. 1ZURN was compared to 47 industry peers in the Insurance industry. 1ZURN has only an average score on both its financial health and profitability. 1ZURN has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
1ZURN had positive earnings in the past year.
In the past year 1ZURN had a positive cash flow from operations.
Each year in the past 5 years 1ZURN has been profitable.
In the past 5 years 1ZURN always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of 1ZURN (1.49%) is better than 65.12% of its industry peers.
1ZURN's Return On Equity of 23.67% is amongst the best of the industry. 1ZURN outperforms 88.37% of its industry peers.
With a decent Return On Invested Capital value of 1.65%, 1ZURN is doing good in the industry, outperforming 65.12% of the companies in the same industry.
1ZURN had an Average Return On Invested Capital over the past 3 years of 1.52%. This is in line with the industry average of 2.11%.
The last Return On Invested Capital (1.65%) for 1ZURN is above the 3 year average (1.52%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 23.67% | ||
| ROIC | 1.65% |
ROA(3y)1.34%
ROA(5y)1.22%
ROE(3y)18.59%
ROE(5y)15.9%
ROIC(3y)1.52%
ROIC(5y)1.39%
1.3 Margins
1ZURN has a Profit Margin (8.36%) which is in line with its industry peers.
1ZURN's Profit Margin has improved in the last couple of years.
1ZURN has a Operating Margin (12.64%) which is comparable to the rest of the industry.
1ZURN's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.64% | ||
| PM (TTM) | 8.36% | ||
| GM | N/A |
OM growth 3Y-1.28%
OM growth 5Y3.19%
PM growth 3Y-0.12%
PM growth 5Y5.35%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1ZURN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for 1ZURN has been reduced compared to 1 year ago.
The number of shares outstanding for 1ZURN has been reduced compared to 5 years ago.
The debt/assets ratio for 1ZURN has been reduced compared to a year ago.
2.2 Solvency
1ZURN has a debt to FCF ratio of 2.26. This is a good value and a sign of high solvency as 1ZURN would need 2.26 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 2.26, 1ZURN is doing good in the industry, outperforming 60.47% of the companies in the same industry.
1ZURN has a Debt/Equity ratio of 0.59. This is a neutral value indicating 1ZURN is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.59, 1ZURN is in the better half of the industry, outperforming 69.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 2.26 | ||
| Altman-Z | N/A |
ROIC/WACC0.36
WACC4.6%
2.3 Liquidity
A Current Ratio of 0.78 indicates that 1ZURN may have some problems paying its short term obligations.
1ZURN's Current ratio of 0.78 is amongst the best of the industry. 1ZURN outperforms 81.40% of its industry peers.
1ZURN has a Quick Ratio of 0.78. 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 Quick ratio of 1ZURN (0.78) is better than 81.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 |
3. Growth
3.1 Past
1ZURN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.13%, which is quite impressive.
1ZURN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.72% yearly.
Looking at the last year, 1ZURN shows a decrease in Revenue. The Revenue has decreased by -1.11% in the last year.
Measured over the past years, 1ZURN shows a small growth in Revenue. The Revenue has been growing by 1.56% on average per year.
EPS 1Y (TTM)21.13%
EPS 3Y5.02%
EPS 5Y7.72%
EPS Q2Q%2.5%
Revenue 1Y (TTM)-1.11%
Revenue growth 3Y3.9%
Revenue growth 5Y1.56%
Sales Q2Q%-10.39%
3.2 Future
1ZURN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.79% yearly.
Based on estimates for the next years, 1ZURN will show a small growth in Revenue. The Revenue will grow by 3.86% on average per year.
EPS Next Y18.27%
EPS Next 2Y12.32%
EPS Next 3Y11.2%
EPS Next 5Y6.79%
Revenue Next Year5.83%
Revenue Next 2Y6.72%
Revenue Next 3Y5.35%
Revenue Next 5Y3.86%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 17.19, 1ZURN is valued on the expensive side.
Based on the Price/Earnings ratio, 1ZURN is valued a bit more expensive than the industry average as 67.44% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.15. 1ZURN is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 14.40 indicates a correct valuation of 1ZURN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1ZURN indicates a slightly more expensive valuation: 1ZURN is more expensive than 69.77% of the companies listed in the same industry.
1ZURN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.19 | ||
| Fwd PE | 14.4 |
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 62.79% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, 1ZURN is valued a bit more expensive than the industry average as 62.79% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.94 | ||
| EV/EBITDA | 11.33 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1ZURN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.94
PEG (5Y)2.23
EPS Next 2Y12.32%
EPS Next 3Y11.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.03%, 1ZURN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.53, 1ZURN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, 1ZURN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
5.2 History
On average, the dividend of 1ZURN grows each year by 8.76%, which is quite nice.
Dividend Growth(5Y)8.76%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
1ZURN pays out 79.70% of its income as dividend. This is not a sustainable payout ratio.
1ZURN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP79.7%
EPS Next 2Y12.32%
EPS Next 3Y11.2%
BIT:1ZURN (10/20/2025, 7:00:00 PM)
605
-5 (-0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.78%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap88.55B
Revenue(TTM)70.01B
Net Income(TTM)5.85B
Analysts46.67
Price Target596.94 (-1.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
Yearly Dividend25.13
Dividend Growth(5Y)8.76%
DP79.7%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.33%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.19 | ||
| Fwd PE | 14.4 | ||
| P/S | 1.46 | ||
| P/FCF | 15.94 | ||
| P/OCF | 14.97 | ||
| P/B | 4.14 | ||
| P/tB | 8.33 | ||
| EV/EBITDA | 11.33 |
EPS(TTM)35.2
EY5.82%
EPS(NY)42.02
Fwd EY6.94%
FCF(TTM)37.96
FCFY6.28%
OCF(TTM)40.4
OCFY6.68%
SpS414.02
BVpS146.21
TBVpS72.67
PEG (NY)0.94
PEG (5Y)2.23
Graham Number340.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 23.67% | ||
| ROCE | 2.26% | ||
| ROIC | 1.65% | ||
| ROICexc | 1.68% | ||
| ROICexgc | 3.73% | ||
| OM | 12.64% | ||
| PM (TTM) | 8.36% | ||
| GM | N/A | ||
| FCFM | 9.17% |
ROA(3y)1.34%
ROA(5y)1.22%
ROE(3y)18.59%
ROE(5y)15.9%
ROIC(3y)1.52%
ROIC(5y)1.39%
ROICexc(3y)1.55%
ROICexc(5y)1.42%
ROICexgc(3y)3.17%
ROICexgc(5y)2.77%
ROCE(3y)2.07%
ROCE(5y)1.9%
ROICexgc growth 3Y16.1%
ROICexgc growth 5Y11.69%
ROICexc growth 3Y9.12%
ROICexc growth 5Y7.13%
OM growth 3Y-1.28%
OM growth 5Y3.19%
PM growth 3Y-0.12%
PM growth 5Y5.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 2.26 | ||
| Debt/EBITDA | 1.5 | ||
| Cap/Depr | 48.82% | ||
| Cap/Sales | 0.59% | ||
| Interest Coverage | 17.25 | ||
| Cash Conversion | 70.48% | ||
| Profit Quality | 109.69% | ||
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 | ||
| Altman-Z | N/A |
F-Score7
WACC4.6%
ROIC/WACC0.36
Cap/Depr(3y)53.48%
Cap/Depr(5y)57.78%
Cap/Sales(3y)0.73%
Cap/Sales(5y)0.82%
Profit Quality(3y)132.45%
Profit Quality(5y)116.3%
High Growth Momentum
Growth
EPS 1Y (TTM)21.13%
EPS 3Y5.02%
EPS 5Y7.72%
EPS Q2Q%2.5%
EPS Next Y18.27%
EPS Next 2Y12.32%
EPS Next 3Y11.2%
EPS Next 5Y6.79%
Revenue 1Y (TTM)-1.11%
Revenue growth 3Y3.9%
Revenue growth 5Y1.56%
Sales Q2Q%-10.39%
Revenue Next Year5.83%
Revenue Next 2Y6.72%
Revenue Next 3Y5.35%
Revenue Next 5Y3.86%
EBIT growth 1Y12.88%
EBIT growth 3Y2.57%
EBIT growth 5Y4.8%
EBIT Next Year16.3%
EBIT Next 3Y9.28%
EBIT Next 5YN/A
FCF growth 1Y7.66%
FCF growth 3Y40.79%
FCF growth 5Y11.85%
OCF growth 1Y6.4%
OCF growth 3Y33.89%
OCF growth 5Y9.26%
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 5 / 10 to 1ZURN.MI.
What is the valuation status for 1ZURN stock?
ChartMill assigns a valuation rating of 3 / 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 6 / 10.
What are the PE and PB ratios of ZURICH INSURANCE GROUP AG (1ZURN.MI) stock?
The Price/Earnings (PE) ratio for ZURICH INSURANCE GROUP AG (1ZURN.MI) is 17.19 and the Price/Book (PB) ratio is 4.14.
Can you provide the dividend sustainability for 1ZURN stock?
The dividend rating of ZURICH INSURANCE GROUP AG (1ZURN.MI) is 6 / 10 and the dividend payout ratio is 79.7%.