ZURICH INSURANCE GROUP AG (1ZURN.MI) Stock Fundamental Analysis
Europe - BIT:1ZURN - CH0011075394 - Common Stock
605 EUR
-5 (-0.82%)
We assign a fundamental rating of 5 out of 10 to 1ZURN. 1ZURN was compared to 43 industry peers in the Insurance industry. 1ZURN has only an average score on both its financial health and profitability. 1ZURN is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1ZURN was profitable.
In the past year 1ZURN had a positive cash flow from operations.
1ZURN had positive earnings in each of the past 5 years.
Each year in the past 5 years 1ZURN had a positive operating cash flow.
1.2 Ratios
1ZURN has a better Return On Assets (1.49%) than 67.44% of its industry peers.
1ZURN's Return On Equity of 23.67% is amongst the best of the industry. 1ZURN outperforms 90.70% of its industry peers.
1ZURN's Return On Invested Capital of 1.65% is fine compared to the rest of the industry. 1ZURN outperforms 67.44% of its industry peers.
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 2.22%.
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
1ZURN's Profit Margin of 8.36% is in line compared to the rest of the industry. 1ZURN outperforms 44.19% of its industry peers.
1ZURN's Profit Margin has improved in the last couple of years.
1ZURN has a Operating Margin of 12.64%. This is comparable to the rest of the industry: 1ZURN outperforms 55.81% of its industry peers.
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
1ZURN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
1ZURN has less shares outstanding than it did 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.
Looking at the Debt to FCF ratio, with a value of 2.26, 1ZURN is in the better half of the industry, outperforming 62.79% of the companies in the same industry.
A Debt/Equity ratio of 0.59 indicates that 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.
Looking at the Current ratio, with a value of 0.78, 1ZURN belongs to the top of the industry, outperforming 83.72% of the companies in the same industry.
A Quick Ratio of 0.78 indicates that 1ZURN may have some problems paying its short term obligations.
With an excellent Quick ratio value of 0.78, 1ZURN belongs to the best of the industry, outperforming 83.72% of the companies in the same industry.
| 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.
The Earnings Per Share has been growing slightly by 7.72% on average over the past years.
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
The Earnings Per Share is expected to grow by 6.79% on average over the next years.
The Revenue is expected to grow by 3.86% on average over the next years.
EPS Next Y18.27%
EPS Next 2Y12.32%
EPS Next 3Y11.2%
EPS Next 5Y6.79%
Revenue Next Year6.18%
Revenue Next 2Y6.81%
Revenue Next 3Y5.29%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 17.30, the valuation of 1ZURN can be described as rather expensive.
67.44% of the companies in the same industry are cheaper than 1ZURN, based on the Price/Earnings ratio.
1ZURN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.00.
The Price/Forward Earnings ratio is 14.49, which indicates a correct valuation of 1ZURN.
Based on the Price/Forward Earnings ratio, 1ZURN is valued a bit more expensive than 69.77% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, 1ZURN is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.3 | ||
| Fwd PE | 14.49 |
4.2 Price Multiples
65.12% of the companies in the same industry are more expensive than 1ZURN, based on the Enterprise Value to EBITDA ratio.
1ZURN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. 1ZURN is more expensive than 62.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.04 | ||
| EV/EBITDA | 11.4 |
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)0.95
PEG (5Y)2.24
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.
1ZURN's Dividend Yield is a higher than the industry average which is at 4.57.
Compared to an average S&P500 Dividend Yield of 2.31, 1ZURN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
5.2 History
The dividend of 1ZURN is nicely growing with an annual growth rate of 8.76%!
Dividend Growth(5Y)8.76%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
79.70% of the earnings are spent on dividend by 1ZURN. This is not a sustainable payout ratio.
The dividend of 1ZURN is growing, but the earnings are growing slower. 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 TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
Yearly Dividend24.88
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)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.3 | ||
| Fwd PE | 14.49 | ||
| P/S | 1.47 | ||
| P/FCF | 16.04 | ||
| P/OCF | 15.07 | ||
| P/B | 4.17 | ||
| P/tB | 8.38 | ||
| EV/EBITDA | 11.4 |
EPS(TTM)34.97
EY5.78%
EPS(NY)41.74
Fwd EY6.9%
FCF(TTM)37.72
FCFY6.23%
OCF(TTM)40.14
OCFY6.63%
SpS411.31
BVpS145.26
TBVpS72.2
PEG (NY)0.95
PEG (5Y)2.24
Graham Number338.07
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 Year6.18%
Revenue Next 2Y6.81%
Revenue Next 3Y5.29%
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 17.3 and the Price/Book (PB) ratio is 4.17.
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%.