ZURICH INSURANCE GROUP AG (ZFIN.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ZFIN - CH0011075394 - Common Stock
599.2 EUR
-12 (-1.96%)
We assign a fundamental rating of 5 out of 10 to ZFIN. ZFIN was compared to 48 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
- In the past year ZFIN was profitable.
- ZFIN had a positive operating cash flow in the past year.
- In the past 5 years ZFIN has always been profitable.
- Each year in the past 5 years ZFIN had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of ZFIN (1.49%) is better than 60.42% of its industry peers.
- ZFIN has a better Return On Equity (23.67%) than 87.50% of its industry peers.
- ZFIN has a Return On Invested Capital of 1.65%. This is in the better half of the industry: ZFIN outperforms 64.58% 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 2.70%.
- 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's Profit Margin of 8.36% is on the low side compared to the rest of the industry. ZFIN is outperformed by 60.42% of its industry peers.
- ZFIN's Profit Margin has improved in the last couple of years.
- ZFIN has a Operating Margin of 12.64%. This is comparable to the rest of the industry: ZFIN outperforms 54.17% of its industry peers.
- 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.
- 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.
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.
- With a Debt to FCF ratio value of 2.26, ZFIN perfoms like the industry average, outperforming 56.25% of the companies in the same industry.
- ZFIN has a Debt/Equity ratio of 0.59. This is a neutral value indicating ZFIN is somewhat dependend on debt financing.
- The Debt to Equity ratio of ZFIN (0.59) is better than 62.50% of its industry peers.
| 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 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 81.25% 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.
- Looking at the Quick ratio, with a value of 0.78, ZFIN belongs to the top of the industry, outperforming 81.25% 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.
- The Revenue has decreased by -1.11% in the past year.
- The Revenue has been growing slightly by 1.56% on average over the past years.
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 7.32% on average per year.
- ZFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.82% yearly.
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.
- 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
- The Price/Earnings ratio is 17.30, which indicates a rather expensive current valuation of ZFIN.
- Compared to the rest of the industry, the Price/Earnings ratio of ZFIN indicates a slightly more expensive valuation: ZFIN is more expensive than 66.67% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.32. ZFIN is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 14.35 indicates a correct valuation of ZFIN.
- Based on the Price/Forward Earnings ratio, ZFIN is valued a bit more expensive than 66.67% 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 24.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.3 | ||
| Fwd PE | 14.35 |
4.2 Price Multiples
- ZFIN's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ZFIN is cheaper than 66.67% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, ZFIN is valued a bit more expensive than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.04 | ||
| EV/EBITDA | 11.4 |
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)0.9
PEG (5Y)2.24
EPS Next 2Y12.87%
EPS Next 3Y11.49%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.67%, ZFIN is a good candidate for dividend investing.
- ZFIN's Dividend Yield is a higher than the industry average which is at 4.19.
- ZFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector 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
5.3 Sustainability
- 79.70% of the earnings are spent on dividend by ZFIN. 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 2Y12.87%
EPS Next 3Y11.49%
FRA:ZFIN (1/21/2026, 7:00:00 PM)
599.2
-12 (-1.96%)
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 Cap87.70B
Revenue(TTM)70.01B
Net Income(TTM)5.85B
Analysts46.67
Price Target599.1 (-0.02%)
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 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)2.81%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.42%
EPS NY rev (3m)0.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.3 | ||
| Fwd PE | 14.35 | ||
| P/S | 1.47 | ||
| P/FCF | 16.04 | ||
| P/OCF | 15.07 | ||
| P/B | 4.16 | ||
| P/tB | 8.38 | ||
| EV/EBITDA | 11.4 |
EPS(TTM)34.64
EY5.78%
EPS(NY)41.76
Fwd EY6.97%
FCF(TTM)37.37
FCFY6.24%
OCF(TTM)39.76
OCFY6.64%
SpS407.49
BVpS143.91
TBVpS71.53
PEG (NY)0.9
PEG (5Y)2.24
Graham Number334.91
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 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 / 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 17.3 and the Price/Book (PB) ratio is 4.16.
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%.