ZURICH INSURANCE GROUP AG (ZFIN.DE) Stock Fundamental Analysis
Europe - FRA:ZFIN - CH0011075394 - Common Stock
612.8 EUR
-6.8 (-1.1%)
We assign a fundamental rating of 5 out of 10 to ZFIN. ZFIN was compared to 43 industry peers in the Insurance industry. ZFIN has an average financial health and profitability rating. ZFIN is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
ZFIN had positive earnings in the past year.
ZFIN had a positive operating cash flow in the past year.
ZFIN had positive earnings in each of the past 5 years.
In the past 5 years ZFIN always reported a positive cash flow from operatings.
1.2 Ratios
ZFIN has a Return On Assets of 1.49%. This is in the better half of the industry: ZFIN outperforms 65.12% of its industry peers.
ZFIN has a better Return On Equity (23.67%) than 88.37% of its industry peers.
With a decent Return On Invested Capital value of 1.65%, ZFIN is doing good in the industry, outperforming 65.12% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ZFIN is in line with the industry average of 2.22%.
The last Return On Invested Capital (1.65%) for ZFIN 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
The Profit Margin of ZFIN (8.36%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of ZFIN has grown nicely.
The Operating Margin of ZFIN (12.64%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of ZFIN 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
ZFIN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, ZFIN has less shares outstanding
Compared to 5 years ago, ZFIN has less shares outstanding
ZFIN has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ZFIN is 2.26, which is a good value as it means it would take ZFIN, 2.26 years of fcf income to pay off all of its debts.
ZFIN has a better Debt to FCF ratio (2.26) than 60.47% of its industry peers.
A Debt/Equity ratio of 0.59 indicates that ZFIN is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.59, ZFIN is doing good in the industry, outperforming 67.44% 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
WACC4.61%
2.3 Liquidity
A Current Ratio of 0.78 indicates that ZFIN may have some problems paying its short term obligations.
With an excellent Current ratio value of 0.78, ZFIN belongs to the best of the industry, outperforming 81.40% of the companies in the same industry.
A Quick Ratio of 0.78 indicates that ZFIN may have some problems paying its short term obligations.
ZFIN's Quick ratio of 0.78 is amongst the best of the industry. ZFIN outperforms 81.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 |
3. Growth
3.1 Past
ZFIN 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.
ZFIN shows a decrease in Revenue. In the last year, the revenue decreased by -1.11%.
Measured over the past years, ZFIN 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
Based on estimates for the next years, ZFIN will show a small growth in Earnings Per Share. The EPS will grow by 6.79% on average per year.
Based on estimates for the next years, ZFIN 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.
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
ZFIN is valuated rather expensively with a Price/Earnings ratio of 17.53.
Based on the Price/Earnings ratio, ZFIN is valued a bit more expensive than 69.77% of the companies in the same industry.
When comparing the Price/Earnings ratio of ZFIN to the average of the S&P500 Index (26.76), we can say ZFIN is valued slightly cheaper.
With a Price/Forward Earnings ratio of 14.69, ZFIN is valued correctly.
ZFIN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ZFIN is more expensive than 74.42% of the companies in the same industry.
ZFIN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.53 | ||
| Fwd PE | 14.69 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ZFIN is valued a bit cheaper than 62.79% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ZFIN indicates a slightly more expensive valuation: ZFIN is more expensive than 65.12% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.26 | ||
| EV/EBITDA | 11.54 |
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 ZFIN may justify a higher PE ratio.
PEG (NY)0.96
PEG (5Y)2.27
EPS Next 2Y12.32%
EPS Next 3Y11.2%
5. Dividend
5.1 Amount
ZFIN has a Yearly Dividend Yield of 5.03%, which is a nice return.
Compared to an average industry Dividend Yield of 4.57, ZFIN pays a bit more dividend than its industry peers.
ZFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
5.2 History
On average, the dividend of ZFIN grows each year by 8.76%, which is quite nice.
Dividend Growth(5Y)8.76%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
79.70% of the earnings are spent on dividend by ZFIN. This is not a sustainable payout ratio.
ZFIN'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%
FRA:ZFIN (10/29/2025, 7:00:00 PM)
612.8
-6.8 (-1.1%)
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 Cap89.69B
Revenue(TTM)70.01B
Net Income(TTM)5.85B
Analysts46.67
Price Target582.7 (-4.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
Yearly Dividend25
Dividend Growth(5Y)8.76%
DP79.7%
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)-2.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.93%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.33%
Revenue NY rev (3m)-4.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.53 | ||
| Fwd PE | 14.69 | ||
| P/S | 1.49 | ||
| P/FCF | 16.26 | ||
| P/OCF | 15.28 | ||
| P/B | 4.22 | ||
| P/tB | 8.49 | ||
| EV/EBITDA | 11.54 |
EPS(TTM)34.95
EY5.7%
EPS(NY)41.72
Fwd EY6.81%
FCF(TTM)37.7
FCFY6.15%
OCF(TTM)40.12
OCFY6.55%
SpS411.1
BVpS145.18
TBVpS72.16
PEG (NY)0.96
PEG (5Y)2.27
Graham Number337.89
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
WACC4.61%
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 / ZFIN.DE FAQ
Can you provide the ChartMill fundamental rating for ZURICH INSURANCE GROUP AG?
ChartMill assigns a fundamental rating of 5 / 10 to ZFIN.DE.
What is the valuation status of ZURICH INSURANCE GROUP AG (ZFIN.DE) stock?
ChartMill assigns a valuation rating of 3 / 10 to ZURICH INSURANCE GROUP AG (ZFIN.DE). This can be considered as Overvalued.
Can you provide the profitability details for ZURICH INSURANCE GROUP AG?
ZURICH INSURANCE GROUP AG (ZFIN.DE) has a profitability rating of 6 / 10.
Can you provide the financial health for ZFIN stock?
The financial health rating of ZURICH INSURANCE GROUP AG (ZFIN.DE) is 5 / 10.
What is the earnings growth outlook for ZURICH INSURANCE GROUP AG?
The Earnings per Share (EPS) of ZURICH INSURANCE GROUP AG (ZFIN.DE) is expected to grow by 18.27% in the next year.