ZURICH INSURANCE GROUP AG (ZFIN.DE) Stock Fundamental Analysis
FRA:ZFIN - Deutsche Boerse Ag - CH0011075394 - Common Stock - Currency: EUR
Taking everything into account, ZFIN scores 5 out of 10 in our fundamental rating. ZFIN was compared to 38 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.
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.
ZFIN had positive earnings in each of the past 5 years.
Each year in the past 5 years ZFIN had a positive operating cash flow.
1.2 Ratios
ZFIN has a better Return On Assets (1.62%) than 76.32% of its industry peers.
The Return On Equity of ZFIN (22.83%) is better than 89.47% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
ZFIN's Profit Margin of 7.88% is in line compared to the rest of the industry. ZFIN outperforms 44.74% of its industry peers.
In the last couple of years the Profit Margin of ZFIN has grown nicely.
ZFIN has a Operating Margin (11.91%) which is in line with its industry peers.
ZFIN's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
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.
2.2 Solvency
The Debt to FCF ratio of ZFIN is 1.78, which is an excellent value as it means it would take ZFIN, only 1.78 years of fcf income to pay off all of its debts.
ZFIN has a better Debt to FCF ratio (1.78) than 78.95% 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.
ZFIN's Debt to Equity ratio of 0.51 is fine compared to the rest of the industry. ZFIN outperforms 73.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.65%
2.3 Liquidity
ZFIN has a Current 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.
Looking at the Current ratio, with a value of 0.84, ZFIN belongs to the top of the industry, outperforming 81.58% of the companies in the same industry.
A Quick Ratio of 0.84 indicates that ZFIN may have some problems paying its short term obligations.
ZFIN has a Quick ratio of 0.84. This is amongst the best in the industry. ZFIN outperforms 81.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.84 | ||
| Quick Ratio | 0.84 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.12% over the past year.
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.
Looking at the last year, ZFIN shows a quite strong growth in Revenue. The Revenue has grown by 9.94% in the last year.
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
Based on estimates for the next years, ZFIN will show a small growth in Earnings Per Share. The EPS will grow by 6.39% on average per year.
ZFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.00% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 17.66, ZFIN is valued on the expensive side.
Based on the Price/Earnings ratio, ZFIN is valued a bit more expensive than the industry average as 63.16% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.52. ZFIN is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 15.87, the valuation of ZFIN can be described as correct.
ZFIN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ZFIN is more expensive than 76.32% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.25, ZFIN is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.66 | ||
| Fwd PE | 15.87 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ZFIN is valued a bit cheaper than the industry average as 65.79% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as ZFIN.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.34 | ||
| EV/EBITDA | 11.32 |
4.3 Compensation for Growth
ZFIN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.1
PEG (5Y)2.29
EPS Next 2Y12.32%
EPS Next 3Y11.19%
5. Dividend
5.1 Amount
ZFIN has a Yearly Dividend Yield of 4.82%, which is a nice return.
ZFIN's Dividend Yield is a higher than the industry average which is at 4.52.
ZFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
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
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%
FRA:ZFIN (6/6/2025, 7:00:00 PM)
621.2
+2.4 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners41.56%
Inst Owner ChangeN/A
Ins Owners0.22%
Ins Owner ChangeN/A
Market Cap90.92B
Analysts51.43
Price Target600.96 (-3.26%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
Yearly Dividend25.44
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)N/A
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.66 | ||
| Fwd PE | 15.87 | ||
| P/S | 1.41 | ||
| P/FCF | 14.34 | ||
| P/OCF | 13.65 | ||
| P/B | 4.07 | ||
| P/tB | 7.39 | ||
| EV/EBITDA | 11.32 |
EPS(TTM)35.18
EY5.66%
EPS(NY)39.13
Fwd EY6.3%
FCF(TTM)43.31
FCFY6.97%
OCF(TTM)45.52
OCFY7.33%
SpS441.88
BVpS152.52
TBVpS84.07
PEG (NY)1.1
PEG (5Y)2.29
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC4.65%
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%