ZURICH INSURANCE GROUP AG (ZFIN.DE) Stock Fundamental Analysis

FRA:ZFIN • CH0011075394

613.2 EUR
-8.2 (-1.32%)
Last: Feb 19, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Taking everything into account, ZFIN scores 5 out of 10 in our fundamental rating. ZFIN was compared to 48 industry peers in the Insurance industry. Both the profitability and the financial health of ZFIN get a neutral evaluation. Nothing too spectacular is happening here. While showing a medium growth rate, ZFIN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year ZFIN was profitable.
  • In the past year ZFIN had a positive cash flow from operations.
  • 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.
ZFIN.DE Yearly Net Income VS EBIT VS OCF VS FCFZFIN.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.49%, ZFIN is in line with its industry, outperforming 54.17% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 23.67%, ZFIN belongs to the top of the industry, outperforming 85.42% 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 60.42% of its industry peers.
  • ZFIN had an Average Return On Invested Capital over the past 3 years of 1.52%. This is in line with the industry average of 3.29%.
  • The 3 year average ROIC (1.52%) for ZFIN is below the current ROIC(1.65%), indicating increased profibility in the last year.
Industry RankSector 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%
ZFIN.DE Yearly ROA, ROE, ROICZFIN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 8.36%, ZFIN is doing worse than 60.42% of the companies in the same industry.
  • ZFIN's Profit Margin has improved in the last couple of years.
  • With a Operating Margin value of 12.64%, ZFIN perfoms like the industry average, outperforming 54.17% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ZFIN has grown nicely.
Industry RankSector 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
ZFIN.DE Yearly Profit, Operating, Gross MarginsZFIN.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ZFIN is destroying value.
  • ZFIN has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, ZFIN has less shares outstanding
  • ZFIN has a better debt/assets ratio than last year.
ZFIN.DE Yearly Shares OutstandingZFIN.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
ZFIN.DE Yearly Total Debt VS Total AssetsZFIN.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

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.
  • ZFIN has a Debt to FCF ratio of 2.26. This is comparable to the rest of the industry: ZFIN outperforms 52.08% of its industry peers.
  • A Debt/Equity ratio of 0.59 indicates that ZFIN is somewhat dependend on debt financing.
  • ZFIN's Debt to Equity ratio of 0.59 is fine compared to the rest of the industry. ZFIN outperforms 60.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 2.26
Altman-Z N/A
ROIC/WACC0.36
WACC4.61%
ZFIN.DE Yearly LT Debt VS Equity VS FCFZFIN.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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 a decent Current ratio value of 0.78, ZFIN is doing good in the industry, outperforming 77.08% 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.
  • With a decent Quick ratio value of 0.78, ZFIN is doing good in the industry, outperforming 77.08% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.78
Quick Ratio 0.78
ZFIN.DE Yearly Current Assets VS Current LiabilitesZFIN.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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.
  • Measured over the past 5 years, ZFIN shows a small growth in Earnings Per Share. The EPS has been growing by 7.72% on average per year.
  • 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

  • ZFIN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.43% yearly.
  • Based on estimates for the next years, ZFIN will show a small growth in Revenue. The Revenue will grow by 4.09% on average per year.
EPS Next Y18.64%
EPS Next 2Y12.51%
EPS Next 3Y11.58%
EPS Next 5Y7.43%
Revenue Next Year5.76%
Revenue Next 2Y6.62%
Revenue Next 3Y4.92%
Revenue Next 5Y4.09%

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.
ZFIN.DE Yearly Revenue VS EstimatesZFIN.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B
ZFIN.DE Yearly EPS VS EstimatesZFIN.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60

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3

4. Valuation

4.1 Price/Earnings Ratio

  • ZFIN is valuated rather expensively with a Price/Earnings ratio of 17.72.
  • 68.75% of the companies in the same industry are cheaper than ZFIN, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, ZFIN is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 14.80, ZFIN is valued correctly.
  • Based on the Price/Forward Earnings ratio, ZFIN is valued a bit more expensive than 68.75% of the companies in the same industry.
  • ZFIN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 17.72
Fwd PE 14.8
ZFIN.DE Price Earnings VS Forward Price EarningsZFIN.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ZFIN indicates a somewhat cheap valuation: ZFIN is cheaper than 66.67% of the companies listed in the same industry.
  • 62.50% of the companies in the same industry are cheaper than ZFIN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.43
EV/EBITDA 11.66
ZFIN.DE Per share dataZFIN.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

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)0.95
PEG (5Y)2.3
EPS Next 2Y12.51%
EPS Next 3Y11.58%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • ZFIN has a Yearly Dividend Yield of 4.67%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.16, ZFIN pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.85, ZFIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.67%

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
ZFIN.DE Yearly Dividends per shareZFIN.DE Yearly Dividends per shareYearly Dividends per share 2019 5 10 15

5.3 Sustainability

  • ZFIN pays out 79.70% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of ZFIN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP79.7%
EPS Next 2Y12.51%
EPS Next 3Y11.58%
ZFIN.DE Yearly Income VS Free CF VS DividendZFIN.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
ZFIN.DE Dividend Payout.ZFIN.DE Dividend Payout, showing the Payout Ratio.ZFIN.DE Dividend Payout.PayoutRetained Earnings

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ZURICH INSURANCE GROUP AG

FRA:ZFIN (2/19/2026, 7:00:00 PM)

613.2

-8.2 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)02-19
Inst Owners42.62%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap89.75B
Revenue(TTM)70.01B
Net Income(TTM)5.85B
Analysts47.2
Price Target597.69 (-2.53%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.67%
Yearly Dividend24.48
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)-0.24%
PT rev (3m)0.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-0.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.05%
Valuation
Industry RankSector Rank
PE 17.72
Fwd PE 14.8
P/S 1.51
P/FCF 16.43
P/OCF 15.44
P/B 4.27
P/tB 8.58
EV/EBITDA 11.66
EPS(TTM)34.6
EY5.64%
EPS(NY)41.44
Fwd EY6.76%
FCF(TTM)37.32
FCFY6.09%
OCF(TTM)39.72
OCFY6.48%
SpS407.01
BVpS143.74
TBVpS71.44
PEG (NY)0.95
PEG (5Y)2.3
Graham Number334.51
Profitability
Industry RankSector 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 RankSector 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 Y18.64%
EPS Next 2Y12.51%
EPS Next 3Y11.58%
EPS Next 5Y7.43%
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 5Y4.09%
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.


Can you provide the valuation status for ZURICH INSURANCE GROUP AG?

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.


What is the valuation of ZURICH INSURANCE GROUP AG based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ZURICH INSURANCE GROUP AG (ZFIN.DE) is 17.72 and the Price/Book (PB) ratio is 4.27.


Can you provide the dividend sustainability for ZFIN stock?

The dividend rating of ZURICH INSURANCE GROUP AG (ZFIN.DE) is 6 / 10 and the dividend payout ratio is 79.7%.