Logo image of ZFIN.DE

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

FRA:ZFIN - Deutsche Boerse Ag - CH0011075394 - Common Stock - Currency: EUR

596.4  -3.8 (-0.63%)

Fundamental Rating

5

ZFIN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 36 industry peers in the Insurance industry. ZFIN has only an average score on both its financial health and profitability. ZFIN is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

5

1. Profitability

1.1 Basic Checks

ZFIN had positive earnings in the past year.
In the past year ZFIN had a positive cash flow from operations.
In the past 5 years ZFIN has always 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

With a decent Return On Assets value of 1.62%, ZFIN is doing good in the industry, outperforming 75.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 22.83%, ZFIN belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
ROA 1.62%
ROE 22.83%
ROIC N/A
ROA(3y)1.34%
ROA(5y)1.22%
ROE(3y)18.59%
ROE(5y)15.9%
ROIC(3y)N/A
ROIC(5y)N/A
ZFIN.DE Yearly ROA, ROE, ROICZFIN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

The Profit Margin of ZFIN (7.88%) is comparable to the rest of the industry.
ZFIN's Profit Margin has improved in the last couple of years.
ZFIN has a Operating Margin of 11.91%. This is comparable to the rest of the industry: ZFIN outperforms 50.00% of its industry peers.
ZFIN's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 11.91%
PM (TTM) 7.88%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

More info and screens

5

2. Health

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 has been reduced compared to 1 year ago.
Compared to 5 years ago, ZFIN has less shares outstanding
Compared to 1 year ago, ZFIN has an improved debt to assets ratio.
ZFIN.DE Yearly Shares OutstandingZFIN.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

ZFIN has a debt to FCF ratio of 1.78. This is a very positive value and a sign of high solvency as it would only need 1.78 years to pay back of all of its debts.
ZFIN's Debt to FCF ratio of 1.78 is fine compared to the rest of the industry. ZFIN outperforms 77.78% of its industry peers.
ZFIN has a Debt/Equity ratio of 0.51. This is a neutral value indicating ZFIN is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.51, ZFIN is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 1.78
Altman-Z N/A
ROIC/WACCN/A
WACC4.68%
ZFIN.DE Yearly LT Debt VS Equity VS FCFZFIN.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

A Current Ratio of 0.84 indicates that ZFIN may have some problems paying its short term obligations.
With an excellent Current ratio value of 0.84, ZFIN belongs to the best of the industry, outperforming 80.56% of the companies in the same industry.
ZFIN has a Quick Ratio of 0.84. 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 Quick ratio value of 0.84, ZFIN belongs to the best of the industry, outperforming 80.56% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.84
Quick Ratio 0.84
ZFIN.DE Yearly Current Assets VS Current LiabilitesZFIN.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

More info and screens

5

3. Growth

3.1 Past

ZFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.12%, which is quite impressive.
The Earnings Per Share has been growing slightly by 7.72% on average over the past years.
The Revenue has grown by 9.94% in the past year. This is quite good.
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)35.12%
EPS 3Y5.02%
EPS 5Y7.72%
EPS Q2Q%51.55%
Revenue 1Y (TTM)9.94%
Revenue growth 3Y3.9%
Revenue growth 5Y1.56%
Sales Q2Q%8.73%

3.2 Future

The Earnings Per Share is expected to grow by 6.39% on average over the next years.
Based on estimates for the next years, ZFIN will show a small growth in Revenue. The Revenue will grow by 6.00% on average per year.
EPS Next Y16.03%
EPS Next 2Y12.32%
EPS Next 3Y11.19%
EPS Next 5Y6.39%
Revenue Next Year12.95%
Revenue Next 2Y10.38%
Revenue Next 3Y7.7%
Revenue Next 5Y6%

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.
ZFIN.DE Yearly Revenue VS EstimatesZFIN.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 20B 40B 60B 80B 100B
ZFIN.DE Yearly EPS VS EstimatesZFIN.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 20 40 60

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 17.38, the valuation of ZFIN can be described as rather expensive.
ZFIN's Price/Earnings ratio is a bit more expensive when compared to the industry. ZFIN is more expensive than 66.67% of the companies in the same industry.
When comparing the Price/Earnings ratio of ZFIN to the average of the S&P500 Index (27.53), we can say ZFIN is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 15.63, the valuation of ZFIN can be described as correct.
Based on the Price/Forward Earnings ratio, ZFIN is valued a bit more expensive than 77.78% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.71. ZFIN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 17.38
Fwd PE 15.63
ZFIN.DE Price Earnings VS Forward Price EarningsZFIN.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

69.44% of the companies in the same industry are more expensive than ZFIN, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as ZFIN.
Industry RankSector Rank
P/FCF 14.12
EV/EBITDA 11.16
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.08
PEG (5Y)2.25
EPS Next 2Y12.32%
EPS Next 3Y11.19%

More info and screens

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.04%, ZFIN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.51, 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 2.34.
Industry RankSector Rank
Dividend Yield 5.04%

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

71.48% 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.
DP71.48%
EPS Next 2Y12.32%
EPS Next 3Y11.19%
ZFIN.DE Yearly Income VS Free CF VS DividendZFIN.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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

More info and screens

ZURICH INSURANCE GROUP AG

FRA:ZFIN (7/22/2025, 7:00:00 PM)

596.4

-3.8 (-0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-20 2025-02-20/amc
Earnings (Next)08-07 2025-08-07
Inst Owners41.62%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap87.29B
Analysts50.37
Price Target597.72 (0.22%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.04%
Yearly Dividend24.92
Dividend Growth(5Y)8.76%
DP71.48%
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)-0.54%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 17.38
Fwd PE 15.63
P/S 1.38
P/FCF 14.12
P/OCF 13.43
P/B 4.01
P/tB 7.27
EV/EBITDA 11.16
EPS(TTM)34.32
EY5.75%
EPS(NY)38.17
Fwd EY6.4%
FCF(TTM)42.24
FCFY7.08%
OCF(TTM)44.4
OCFY7.45%
SpS431
BVpS148.76
TBVpS82
PEG (NY)1.08
PEG (5Y)2.25
Profitability
Industry RankSector Rank
ROA 1.62%
ROE 22.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 11.91%
PM (TTM) 7.88%
GM N/A
FCFM 9.8%
ROA(3y)1.34%
ROA(5y)1.22%
ROE(3y)18.59%
ROE(5y)15.9%
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)2.07%
ROCE(5y)1.9%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score8
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 1.78
Debt/EBITDA 1.33
Cap/Depr 40.61%
Cap/Sales 0.5%
Interest Coverage 17.34
Cash Conversion 78.36%
Profit Quality 124.41%
Current Ratio 0.84
Quick Ratio 0.84
Altman-Z N/A
F-Score8
WACC4.68%
ROIC/WACCN/A
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)35.12%
EPS 3Y5.02%
EPS 5Y7.72%
EPS Q2Q%51.55%
EPS Next Y16.03%
EPS Next 2Y12.32%
EPS Next 3Y11.19%
EPS Next 5Y6.39%
Revenue 1Y (TTM)9.94%
Revenue growth 3Y3.9%
Revenue growth 5Y1.56%
Sales Q2Q%8.73%
Revenue Next Year12.95%
Revenue Next 2Y10.38%
Revenue Next 3Y7.7%
Revenue Next 5Y6%
EBIT growth 1Y25.26%
EBIT growth 3Y2.57%
EBIT growth 5Y4.8%
EBIT Next Year13.55%
EBIT Next 3Y9%
EBIT Next 5YN/A
FCF growth 1Y4.4%
FCF growth 3Y40.79%
FCF growth 5Y11.85%
OCF growth 1Y3.5%
OCF growth 3Y33.89%
OCF growth 5Y9.26%