ZURICH INSURANCE GROUP AG (ZFIN.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ZFIN - CH0011075394 - Common Stock
620.4 EUR
+2.4 (+0.39%)
ZFIN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. ZFIN has only an average score on both its financial health and profitability. ZFIN is not valued too expensively and it also shows 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.
ZFIN had positive earnings in each of the past 5 years.
In the past 5 years ZFIN always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of ZFIN (1.49%) is better than 60.42% of its industry peers.
With an excellent Return On Equity value of 23.67%, ZFIN belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 1.65%, ZFIN is in the better half of the industry, outperforming 64.58% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ZFIN is in line with the industry average of 2.58%.
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
ZFIN has a worse Profit Margin (8.36%) than 60.42% of its industry peers.
ZFIN's Profit Margin has improved in the last couple of years.
ZFIN has a Operating Margin (12.64%) which is comparable to the rest of the industry.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ZFIN is destroying value.
Compared to 1 year ago, ZFIN has less shares outstanding
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
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.
ZFIN has a Debt to FCF ratio of 2.26. This is comparable to the rest of the industry: ZFIN outperforms 58.33% of its industry peers.
ZFIN has a Debt/Equity ratio of 0.59. This is a neutral value indicating ZFIN is somewhat dependend on debt financing.
ZFIN has a better Debt to Equity ratio (0.59) than 64.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 2.26 | ||
| Altman-Z | N/A |
ROIC/WACC0.36
WACC4.61%
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.
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.
ZFIN has a Quick 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 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
The Earnings Per Share has grown by an impressive 21.13% over the past year.
ZFIN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.72% yearly.
ZFIN shows a decrease in Revenue. In the last year, the revenue decreased by -1.11%.
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
ZFIN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.32% yearly.
Based on estimates for the next years, ZFIN will show a small growth in Revenue. The Revenue will grow by 3.82% on average per year.
EPS Next Y19.38%
EPS Next 2Y12.52%
EPS Next 3Y11.25%
EPS Next 5Y7.32%
Revenue Next Year5.82%
Revenue Next 2Y6.71%
Revenue Next 3Y5.02%
Revenue Next 5Y3.82%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 17.72, ZFIN is valued on the expensive side.
Based on the Price/Earnings ratio, ZFIN is valued a bit more expensive than 70.83% of the companies in the same industry.
ZFIN is valuated rather cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 14.79, the valuation of ZFIN can be described as correct.
75.00% of the companies in the same industry are cheaper than ZFIN, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of ZFIN to the average of the S&P500 Index (36.22), we can say ZFIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.72 | ||
| Fwd PE | 14.79 |
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 62.50% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ZFIN indicates a slightly more expensive valuation: ZFIN is more expensive than 62.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.43 | ||
| EV/EBITDA | 11.66 |
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)0.91
PEG (5Y)2.3
EPS Next 2Y12.52%
EPS Next 3Y11.25%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.03%, ZFIN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.47, ZFIN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, ZFIN pays a better dividend.
| 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.
The dividend of ZFIN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP79.7%
EPS Next 2Y12.52%
EPS Next 3Y11.25%
FRA:ZFIN (12/2/2025, 7:00:00 PM)
620.4
+2.4 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.78%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap90.80B
Revenue(TTM)70.01B
Net Income(TTM)5.85B
Analysts46.67
Price Target599.1 (-3.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
Yearly Dividend25.1
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)2.81%
PT rev (3m)2.62%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.94%
EPS NY rev (3m)1.02%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.72 | ||
| Fwd PE | 14.79 | ||
| P/S | 1.51 | ||
| P/FCF | 16.43 | ||
| P/OCF | 15.44 | ||
| P/B | 4.27 | ||
| P/tB | 8.58 | ||
| EV/EBITDA | 11.66 |
EPS(TTM)35.01
EY5.64%
EPS(NY)41.95
Fwd EY6.76%
FCF(TTM)37.77
FCFY6.09%
OCF(TTM)40.19
OCFY6.48%
SpS411.88
BVpS145.46
TBVpS72.3
PEG (NY)0.91
PEG (5Y)2.3
Graham Number338.5
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
WACC4.61%
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 Y19.38%
EPS Next 2Y12.52%
EPS Next 3Y11.25%
EPS Next 5Y7.32%
Revenue 1Y (TTM)-1.11%
Revenue growth 3Y3.9%
Revenue growth 5Y1.56%
Sales Q2Q%-10.39%
Revenue Next Year5.82%
Revenue Next 2Y6.71%
Revenue Next 3Y5.02%
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.
What is the valuation status of ZURICH INSURANCE GROUP AG (ZFIN.DE) stock?
ChartMill assigns a valuation rating of 4 / 10 to ZURICH INSURANCE GROUP AG (ZFIN.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for ZURICH INSURANCE GROUP AG?
ZURICH INSURANCE GROUP AG (ZFIN.DE) has a profitability rating of 6 / 10.
Can you provide the financial health for ZFIN stock?
The financial health rating of ZURICH INSURANCE GROUP AG (ZFIN.DE) is 4 / 10.
What is the earnings growth outlook for ZURICH INSURANCE GROUP AG?
The Earnings per Share (EPS) of ZURICH INSURANCE GROUP AG (ZFIN.DE) is expected to grow by 19.38% in the next year.