ZURICH INSURANCE GROUP AG (ZFIN.DE) Fundamental Analysis & Valuation

FRA:ZFIN • CH0011075394

Current stock price

595 EUR
+2.2 (+0.37%)
Last:

This ZFIN.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. ZFIN.DE Profitability Analysis

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.
  • ZFIN had a positive operating cash flow in each of the past 5 years.
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 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.67%, ZFIN is in the better half of the industry, outperforming 61.70% of the companies in the same industry.
  • ZFIN has a Return On Equity of 23.84%. This is amongst the best in the industry. ZFIN outperforms 87.23% of its industry peers.
Industry RankSector Rank
ROA 1.67%
ROE 23.84%
ROIC N/A
ROA(3y)1.5%
ROA(5y)1.37%
ROE(3y)21.39%
ROE(5y)18.67%
ROIC(3y)N/A
ROIC(5y)N/A
ZFIN.DE Yearly ROA, ROE, ROICZFIN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • ZFIN has a Profit Margin (8.98%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of ZFIN has grown nicely.
  • ZFIN's Operating Margin of 13.88% is in line compared to the rest of the industry. ZFIN outperforms 59.57% of its industry peers.
  • ZFIN's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 13.88%
PM (TTM) 8.98%
GM N/A
OM growth 3Y4.89%
OM growth 5Y5.02%
PM growth 3Y4.03%
PM growth 5Y5.28%
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 2025 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. ZFIN.DE Health Analysis

2.1 Basic Checks

  • ZFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for ZFIN remains at a similar level compared to 1 year ago.
  • ZFIN has less shares outstanding than it did 5 years ago.
  • 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 2025 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 2025 100B 200B 300B 400B

2.2 Solvency

  • The Debt to FCF ratio of ZFIN is 2.59, which is a good value as it means it would take ZFIN, 2.59 years of fcf income to pay off all of its debts.
  • ZFIN's Debt to FCF ratio of 2.59 is in line compared to the rest of the industry. ZFIN outperforms 59.57% of its industry peers.
  • ZFIN has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.49, ZFIN is in the better half of the industry, outperforming 65.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.59
Altman-Z N/A
ROIC/WACCN/A
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 2025 10B 20B 30B

2.3 Liquidity

  • A Current Ratio of 0.90 indicates that ZFIN may have some problems paying its short term obligations.
  • ZFIN's Current ratio of 0.90 is amongst the best of the industry. ZFIN outperforms 85.11% of its industry peers.
  • A Quick Ratio of 0.90 indicates that ZFIN may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.90, ZFIN belongs to the top of the industry, outperforming 85.11% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.9
Quick Ratio 0.9
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 2025 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. ZFIN.DE Growth Analysis

3.1 Past

  • ZFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.55%, which is quite good.
  • The Earnings Per Share has been growing by 13.05% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 2.58% in the past year.
  • Measured over the past years, ZFIN shows a small growth in Revenue. The Revenue has been growing by 6.51% on average per year.
EPS 1Y (TTM)17.55%
EPS 3Y21.22%
EPS 5Y13.05%
EPS Q2Q%33.76%
Revenue 1Y (TTM)2.58%
Revenue growth 3Y15.06%
Revenue growth 5Y6.51%
Sales Q2Q%15.25%

3.2 Future

  • ZFIN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.22% yearly.
  • The Revenue is expected to grow by 2.42% on average over the next years.
EPS Next Y4.97%
EPS Next 2Y5.99%
EPS Next 3Y5.98%
EPS Next 5Y5.22%
Revenue Next Year4.81%
Revenue Next 2Y4.63%
Revenue Next 3Y3.4%
Revenue Next 5Y2.42%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.
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. ZFIN.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.47, ZFIN is valued correctly.
  • Based on the Price/Earnings ratio, ZFIN is valued a bit more expensive than the industry average as 61.70% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 25.71. ZFIN is valued slightly cheaper when compared to this.
  • ZFIN is valuated correctly with a Price/Forward Earnings ratio of 14.06.
  • Based on the Price/Forward Earnings ratio, ZFIN is valued a bit more expensive than the industry average as 68.09% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 23.83. ZFIN is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.47
Fwd PE 14.06
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

  • ZFIN's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ZFIN is cheaper than 74.47% of the companies in the same industry.
  • ZFIN's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 18.43
EV/EBITDA 9.4
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ZFIN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.91
PEG (5Y)1.11
EPS Next 2Y5.99%
EPS Next 3Y5.98%

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

6

5. ZFIN.DE Dividend Analysis

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 4.14, ZFIN pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, 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 9.56%!
Dividend Growth(5Y)9.56%
Div Incr Years0
Div Non Decr Years0
ZFIN.DE Yearly Dividends per shareZFIN.DE Yearly Dividends per shareYearly Dividends per share 2019 2026 5 10 15 20 25

5.3 Sustainability

  • 68.62% 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.
DP68.62%
EPS Next 2Y5.99%
EPS Next 3Y5.98%
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 2025 2B 4B 6B
ZFIN.DE Dividend Payout.ZFIN.DE Dividend Payout, showing the Payout Ratio.ZFIN.DE Dividend Payout.PayoutRetained Earnings

More info and screens

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ZFIN.DE Fundamentals: All Metrics, Ratios and Statistics

ZURICH INSURANCE GROUP AG

FRA:ZFIN (3/13/2026, 7:00:00 PM)

595

+2.2 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)08-05
Inst Owners42.04%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap87.08B
Revenue(TTM)75.71B
Net Income(TTM)6.80B
Analysts47.5
Price Target602.93 (1.33%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.67%
Yearly Dividend28.57
Dividend Growth(5Y)9.56%
DP68.62%
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)0.88%
PT rev (3m)0.64%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.3%
EPS NY rev (3m)-0.38%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.07%
Revenue NY rev (3m)2.07%
Valuation
Industry RankSector Rank
PE 14.47
Fwd PE 14.06
P/S 1.32
P/FCF 18.43
P/OCF 16.93
P/B 3.5
P/tB 6.22
EV/EBITDA 9.4
EPS(TTM)41.12
EY6.91%
EPS(NY)42.32
Fwd EY7.11%
FCF(TTM)32.28
FCFY5.43%
OCF(TTM)35.14
OCFY5.91%
SpS450.73
BVpS169.77
TBVpS95.68
PEG (NY)2.91
PEG (5Y)1.11
Graham Number396.32
Profitability
Industry RankSector Rank
ROA 1.67%
ROE 23.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 13.88%
PM (TTM) 8.98%
GM N/A
FCFM 7.16%
ROA(3y)1.5%
ROA(5y)1.37%
ROE(3y)21.39%
ROE(5y)18.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)2.34%
ROCE(5y)2.14%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y4.89%
OM growth 5Y5.02%
PM growth 3Y4.03%
PM growth 5Y5.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 2.59
Debt/EBITDA 1.23
Cap/Depr 55.94%
Cap/Sales 0.63%
Interest Coverage 19.35
Cash Conversion 51.93%
Profit Quality 79.76%
Current Ratio 0.9
Quick Ratio 0.9
Altman-Z N/A
F-Score7
WACC4.61%
ROIC/WACCN/A
Cap/Depr(3y)48.54%
Cap/Depr(5y)56.85%
Cap/Sales(3y)0.59%
Cap/Sales(5y)0.74%
Profit Quality(3y)121.13%
Profit Quality(5y)105.39%
High Growth Momentum
Growth
EPS 1Y (TTM)17.55%
EPS 3Y21.22%
EPS 5Y13.05%
EPS Q2Q%33.76%
EPS Next Y4.97%
EPS Next 2Y5.99%
EPS Next 3Y5.98%
EPS Next 5Y5.22%
Revenue 1Y (TTM)2.58%
Revenue growth 3Y15.06%
Revenue growth 5Y6.51%
Sales Q2Q%15.25%
Revenue Next Year4.81%
Revenue Next 2Y4.63%
Revenue Next 3Y3.4%
Revenue Next 5Y2.42%
EBIT growth 1Y19.51%
EBIT growth 3Y20.69%
EBIT growth 5Y11.87%
EBIT Next Year-0.18%
EBIT Next 3Y0.55%
EBIT Next 5YN/A
FCF growth 1Y-25.04%
FCF growth 3Y6.35%
FCF growth 5Y1.04%
OCF growth 1Y-22.37%
OCF growth 3Y5.38%
OCF growth 5Y0.7%

ZURICH INSURANCE GROUP AG / ZFIN.DE Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for ZURICH INSURANCE GROUP AG?

ChartMill assigns a fundamental rating of 4 / 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 5 / 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 14.47 and the Price/Book (PB) ratio is 3.5.


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 68.62%.