ZURICH INSURANCE GROUP AG (ZFIN.DE) Stock Fundamental Analysis
Europe - FRA:ZFIN - CH0011075394 - Common Stock
608.2 EUR
+2.4 (+0.4%)
Taking everything into account, ZFIN scores 5 out of 10 in our fundamental rating. ZFIN was compared to 39 industry peers in the Insurance industry. ZFIN has an average financial health and profitability rating. ZFIN is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year ZFIN was profitable.
ZFIN had a positive operating cash flow in the past year.
Each year in the past 5 years ZFIN has been profitable.
In the past 5 years ZFIN always reported a positive cash flow from operatings.
1.2 Ratios
ZFIN has a better Return On Assets (1.49%) than 66.67% of its industry peers.
With an excellent Return On Equity value of 23.67%, ZFIN belongs to the best of the industry, outperforming 89.74% of the companies in the same industry.
ZFIN's Return On Invested Capital of 1.65% is fine compared to the rest of the industry. ZFIN outperforms 66.67% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ZFIN is in line with the industry average of 2.26%.
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
ZFIN has a Profit Margin (8.36%) which is in line with its industry peers.
ZFIN's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 12.64%, ZFIN is in line with its industry, outperforming 56.41% of the companies in the same 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ZFIN is destroying value.
Compared to 1 year ago, ZFIN has less shares outstanding
The number of shares outstanding for ZFIN has been reduced compared to 5 years ago.
Compared to 1 year ago, ZFIN has an improved debt to assets ratio.
2.2 Solvency
ZFIN has a debt to FCF ratio of 2.26. This is a good value and a sign of high solvency as ZFIN would need 2.26 years to pay back of all of its debts.
The Debt to FCF ratio of ZFIN (2.26) is better than 64.10% of its industry peers.
ZFIN has a Debt/Equity ratio of 0.59. This is a neutral value indicating ZFIN is somewhat dependend on debt financing.
ZFIN has a Debt to Equity ratio of 0.59. This is in the better half of the industry: ZFIN outperforms 69.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 2.26 | ||
| Altman-Z | N/A |
ROIC/WACC0.36
WACC4.61%
2.3 Liquidity
ZFIN has a Current Ratio of 0.78. This is a bad value and indicates that ZFIN is not financially healthy enough and could expect problems in meeting its short term obligations.
With an excellent Current ratio value of 0.78, ZFIN belongs to the best of the industry, outperforming 82.05% of the companies in the same industry.
ZFIN has a Quick Ratio of 0.78. This is a bad value and indicates that ZFIN is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.78, ZFIN belongs to the top of the industry, outperforming 82.05% of the companies in the same industry.
| 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%.
ZFIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.56% yearly.
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.
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 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
A Price/Earnings ratio of 17.25 indicates a rather expensive valuation of ZFIN.
Based on the Price/Earnings ratio, ZFIN is valued a bit more expensive than 66.67% of the companies in the same industry.
ZFIN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.83.
A Price/Forward Earnings ratio of 14.45 indicates a correct valuation of ZFIN.
Based on the Price/Forward Earnings ratio, ZFIN is valued a bit more expensive than 74.36% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, ZFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.25 | ||
| Fwd PE | 14.45 |
4.2 Price Multiples
64.10% of the companies in the same industry are more expensive than ZFIN, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, ZFIN is valued a bit more expensive than the industry average as 61.54% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.99 | ||
| EV/EBITDA | 11.33 |
4.3 Compensation for Growth
ZFIN's 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)0.94
PEG (5Y)2.24
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 4.60, 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 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
5.2 History
The dividend of ZFIN is nicely growing with an annual growth rate of 8.76%!
Dividend Growth(5Y)8.76%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
ZFIN pays out 79.70% of its income as dividend. 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 (11/7/2025, 7:00:00 PM)
608.2
+2.4 (+0.4%)
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 Cap89.02B
Revenue(TTM)70.01B
Net Income(TTM)5.85B
Analysts46.67
Price Target596.55 (-1.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
Yearly Dividend25.11
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)2.38%
PT rev (3m)-0.2%
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%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.25 | ||
| Fwd PE | 14.45 | ||
| P/S | 1.47 | ||
| P/FCF | 15.99 | ||
| P/OCF | 15.03 | ||
| P/B | 4.15 | ||
| P/tB | 8.35 | ||
| EV/EBITDA | 11.33 |
EPS(TTM)35.26
EY5.8%
EPS(NY)42.09
Fwd EY6.92%
FCF(TTM)38.03
FCFY6.25%
OCF(TTM)40.47
OCFY6.65%
SpS414.77
BVpS146.48
TBVpS72.8
PEG (NY)0.94
PEG (5Y)2.24
Graham Number340.89
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 4 / 10 to ZURICH INSURANCE GROUP AG (ZFIN.DE). This can be considered as Fairly Valued.
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.