ZURICH INSURANCE GROUP AG (ZFIN.DE) Stock Fundamental Analysis
Europe - FRA:ZFIN - CH0011075394 - Common Stock
592.6 EUR
-2 (-0.34%)
ZFIN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 42 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. 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.
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
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 90.48% of the companies in the same industry.
The Return On Invested Capital of ZFIN (1.65%) is better than 64.29% 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 2.28%.
The 3 year average ROIC (1.52%) for ZFIN 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
Looking at the Profit Margin, with a value of 8.36%, ZFIN is in line with its industry, outperforming 42.86% of the companies in the same industry.
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 57.14% 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.
The number of shares outstanding for ZFIN has been reduced compared to 5 years ago.
The debt/assets ratio for ZFIN has been reduced compared to a year ago.
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.
The Debt to FCF ratio of ZFIN (2.26) is better than 64.29% 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 69.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 2.26 | ||
| Altman-Z | N/A |
ROIC/WACC0.35
WACC4.65%
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.
Looking at the Current ratio, with a value of 0.78, ZFIN belongs to the top of the industry, outperforming 80.95% 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.
The Quick ratio of ZFIN (0.78) is better than 80.95% 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.
ZFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.86% yearly.
EPS Next Y18.18%
EPS Next 2Y12.43%
EPS Next 3Y11.26%
EPS Next 5Y6.79%
Revenue Next Year6.18%
Revenue Next 2Y6.81%
Revenue Next 3Y5.29%
Revenue Next 5Y3.86%
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
With a Price/Earnings ratio of 17.13, ZFIN is valued on the expensive side.
ZFIN's Price/Earnings ratio is a bit more expensive when compared to the industry. ZFIN is more expensive than 69.05% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.06. ZFIN is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 14.32 indicates a correct valuation of ZFIN.
73.81% of the companies in the same industry are cheaper than ZFIN, based on the Price/Forward Earnings ratio.
ZFIN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.13 | ||
| Fwd PE | 14.32 |
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 61.90% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, ZFIN is valued a bit more expensive than the industry average as 64.29% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.88 | ||
| EV/EBITDA | 11.33 |
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)0.94
PEG (5Y)2.22
EPS Next 2Y12.43%
EPS Next 3Y11.26%
5. Dividend
5.1 Amount
ZFIN has a Yearly Dividend Yield of 5.03%, which is a nice return.
ZFIN's Dividend Yield is a higher than the industry average which is at 4.63.
ZFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| 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 2Y12.43%
EPS Next 3Y11.26%
FRA:ZFIN (9/25/2025, 7:00:00 PM)
592.6
-2 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners41.62%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap86.73B
Analysts46.67
Price Target582.7 (-1.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
Yearly Dividend24.74
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)1.7%
PT rev (3m)-2.43%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.85%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-4.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.13 | ||
| Fwd PE | 14.32 | ||
| P/S | 1.46 | ||
| P/FCF | 15.88 | ||
| P/OCF | 14.92 | ||
| P/B | 4.12 | ||
| P/tB | 8.3 | ||
| EV/EBITDA | 11.33 |
EPS(TTM)34.59
EY5.84%
EPS(NY)41.38
Fwd EY6.98%
FCF(TTM)37.31
FCFY6.3%
OCF(TTM)39.71
OCFY6.7%
SpS406.9
BVpS143.7
TBVpS71.42
PEG (NY)0.94
PEG (5Y)2.22
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%
ROICexcg growth 3Y16.1%
ROICexcg 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
WACC4.65%
ROIC/WACC0.35
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 Y18.18%
EPS Next 2Y12.43%
EPS Next 3Y11.26%
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 Year13.55%
EBIT Next 3Y9%
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%