ZURICH INSURANCE GROUP AG (1ZURN.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1ZURN - CH0011075394 - Common Stock
660 EUR
+40 (+6.45%)
1ZURN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. Both the profitability and the financial health of 1ZURN get a neutral evaluation. Nothing too spectacular is happening here. 1ZURN is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
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.
- In the past 5 years 1ZURN always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 1.49%, 1ZURN perfoms like the industry average, outperforming 58.33% of the companies in the same industry.
- 1ZURN has a better Return On Equity (23.67%) than 85.42% of its industry peers.
- 1ZURN has a Return On Invested Capital of 1.65%. This is in the better half of the industry: 1ZURN outperforms 62.50% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for 1ZURN is in line with the industry average of 2.70%.
- The 3 year average ROIC (1.52%) for 1ZURN is below the current ROIC(1.65%), indicating increased profibility in the last year.
| 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
- The Profit Margin of 1ZURN (8.36%) is worse than 62.50% of its industry peers.
- In the last couple of years the Profit Margin of 1ZURN has grown nicely.
- With a Operating Margin value of 12.64%, 1ZURN perfoms like the industry average, outperforming 52.08% of the companies in the same industry.
- In the last couple of years the Operating Margin of 1ZURN has grown nicely.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1ZURN is destroying value.
- Compared to 1 year ago, 1ZURN has less shares outstanding
- 1ZURN has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for 1ZURN has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of 1ZURN is 2.26, which is a good value as it means it would take 1ZURN, 2.26 years of fcf income to pay off all of its debts.
- 1ZURN has a Debt to FCF ratio (2.26) which is comparable to the rest of the industry.
- 1ZURN has a Debt/Equity ratio of 0.59. This is a neutral value indicating 1ZURN is somewhat dependend on debt financing.
- 1ZURN's Debt to Equity ratio of 0.59 is fine compared to the rest of the industry. 1ZURN outperforms 60.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 2.26 | ||
| Altman-Z | N/A |
ROIC/WACC0.36
WACC4.63%
2.3 Liquidity
- 1ZURN has a Current 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.
- 1ZURN has a better Current ratio (0.78) than 79.17% 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.
- 1ZURN has a Quick ratio of 0.78. This is in the better half of the industry: 1ZURN outperforms 79.17% 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.
- 1ZURN shows a decrease in Revenue. In the last year, the revenue decreased by -1.11%.
- 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 7.32% yearly.
- Based on estimates for the next years, 1ZURN will show a small growth in Revenue. The Revenue will grow by 3.82% on average per year.
EPS Next Y19.19%
EPS Next 2Y12.87%
EPS Next 3Y11.49%
EPS Next 5Y7.32%
Revenue Next Year5.76%
Revenue Next 2Y6.62%
Revenue Next 3Y4.92%
Revenue Next 5Y3.82%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- 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 18.85, 1ZURN is valued on the expensive side.
- Based on the Price/Earnings ratio, 1ZURN is valued a bit more expensive than 70.83% of the companies in the same industry.
- When comparing the Price/Earnings ratio of 1ZURN to the average of the S&P500 Index (27.38), we can say 1ZURN is valued slightly cheaper.
- Based on the Price/Forward Earnings ratio of 15.64, the valuation of 1ZURN can be described as correct.
- 1ZURN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1ZURN is more expensive than 72.92% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. 1ZURN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.85 | ||
| Fwd PE | 15.64 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, 1ZURN is valued a bit cheaper than 60.42% of the companies in the same industry.
- 64.58% of the companies in the same industry are cheaper than 1ZURN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.48 | ||
| EV/EBITDA | 12.35 |
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.
- The decent profitability rating of 1ZURN may justify a higher PE ratio.
PEG (NY)0.98
PEG (5Y)2.44
EPS Next 2Y12.87%
EPS Next 3Y11.49%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.67%, 1ZURN is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.19, 1ZURN pays a bit more dividend than its industry peers.
- 1ZURN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
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 2Y12.87%
EPS Next 3Y11.49%
BIT:1ZURN (1/15/2026, 7:00:00 PM)
660
+40 (+6.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07
Earnings (Next)02-19 2026-02-19/amc
Inst Owners42.62%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap96.60B
Revenue(TTM)70.01B
Net Income(TTM)5.85B
Analysts46.67
Price Target612.61 (-7.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
Yearly Dividend24.99
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)2.63%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.78%
EPS NY rev (3m)0.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.85 | ||
| Fwd PE | 15.64 | ||
| P/S | 1.6 | ||
| P/FCF | 17.48 | ||
| P/OCF | 16.43 | ||
| P/B | 4.54 | ||
| P/tB | 9.13 | ||
| EV/EBITDA | 12.35 |
EPS(TTM)35.01
EY5.3%
EPS(NY)42.2
Fwd EY6.39%
FCF(TTM)37.76
FCFY5.72%
OCF(TTM)40.18
OCFY6.09%
SpS411.77
BVpS145.42
TBVpS72.28
PEG (NY)0.98
PEG (5Y)2.44
Graham Number338.45
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
WACC4.63%
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 Y19.19%
EPS Next 2Y12.87%
EPS Next 3Y11.49%
EPS Next 5Y7.32%
Revenue 1Y (TTM)-1.11%
Revenue growth 3Y3.9%
Revenue growth 5Y1.56%
Sales Q2Q%-10.39%
Revenue Next Year5.76%
Revenue Next 2Y6.62%
Revenue Next 3Y4.92%
Revenue Next 5Y3.82%
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.
Can you provide the valuation status for ZURICH INSURANCE GROUP AG?
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.
Can you provide the PE and PB ratios for 1ZURN stock?
The Price/Earnings (PE) ratio for ZURICH INSURANCE GROUP AG (1ZURN.MI) is 18.85 and the Price/Book (PB) ratio is 4.54.
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 79.7%.