ZURICH INSURANCE GROUP AG (ZFIN.DE) Stock Fundamental Analysis
FRA:ZFIN - Deutsche Boerse Ag - CH0011075394 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to ZFIN. ZFIN was compared to 38 industry peers in the Insurance industry. ZFIN has only an average score on both its financial health and profitability. While showing a medium growth rate, ZFIN is valued expensive at the moment.
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.
ZFIN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.62%, ZFIN is in the better half of the industry, outperforming 76.32% of the companies in the same industry.
ZFIN has a better Return On Equity (22.83%) 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 has a Profit Margin of 7.88%. This is comparable to the rest of the industry: ZFIN outperforms 44.74% of its industry peers.
ZFIN's Profit Margin has improved in the last couple of years.
ZFIN has a Operating Margin (11.91%) 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 | 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.
ZFIN has less shares outstanding than it did 1 year ago.
ZFIN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ZFIN has been reduced compared to a year ago.
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.
The Debt to FCF ratio of ZFIN (1.78) is better than 76.32% 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 has a Debt to Equity ratio of 0.51. This is in the better half of the industry: ZFIN outperforms 71.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 1.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.81%
2.3 Liquidity
A Current Ratio of 0.84 indicates that ZFIN may have some problems paying its short term obligations.
ZFIN's Current ratio of 0.84 is amongst the best of the industry. ZFIN outperforms 81.58% of its industry peers.
A Quick Ratio of 0.84 indicates that ZFIN may have some problems paying its short term obligations.
Looking at the Quick 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.
| 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.
The Revenue has grown by 9.94% in the past year. This is quite good.
ZFIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.56% yearly.
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 6.61% on average over the next years.
The Revenue is expected to grow by 6.23% on average over the next years.
EPS Next Y16.03%
EPS Next 2Y12.32%
EPS Next 3Y11.19%
EPS Next 5Y6.61%
Revenue Next Year12.95%
Revenue Next 2Y10.38%
Revenue Next 3Y7.7%
Revenue Next 5Y6.23%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 16.98, the valuation of ZFIN can be described as correct.
ZFIN's Price/Earnings ratio is a bit more expensive when compared to the industry. ZFIN is more expensive than 60.53% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.85, ZFIN is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 15.27, the valuation of ZFIN can be described as correct.
Based on the Price/Forward Earnings ratio, ZFIN is valued more expensive than 81.58% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.89, ZFIN is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.98 | ||
| Fwd PE | 15.27 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ZFIN is valued a bit cheaper than 65.79% of the companies in the same industry.
ZFIN's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.8 | ||
| EV/EBITDA | 10.8 |
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)1.06
PEG (5Y)2.2
EPS Next 2Y12.32%
EPS Next 3Y11.19%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.80%, ZFIN is a good candidate for dividend investing.
ZFIN's Dividend Yield is a higher than the industry average which is at 4.53.
ZFIN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.8% |
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 YearsN/A
Div Non Decr YearsN/A
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 (5/14/2025, 7:00:00 PM)
613.6
+7 (+1.15%)
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 Cap89.81B
Analysts52.41
Price Target606.1 (-1.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.8% |
Yearly Dividend25.8
Dividend Growth(5Y)8.76%
DP71.48%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.98 | ||
| Fwd PE | 15.27 | ||
| P/S | 1.35 | ||
| P/FCF | 13.8 | ||
| P/OCF | 13.13 | ||
| P/B | 3.92 | ||
| P/tB | 7.11 | ||
| EV/EBITDA | 10.8 |
EPS(TTM)36.13
EY5.89%
EPS(NY)40.18
Fwd EY6.55%
FCF(TTM)44.47
FCFY7.25%
OCF(TTM)46.75
OCFY7.62%
SpS453.77
BVpS156.62
TBVpS86.33
PEG (NY)1.06
PEG (5Y)2.2
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
WACC4.81%
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 5Y6.61%
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 5Y6.23%
EBIT growth 1Y25.26%
EBIT growth 3Y2.57%
EBIT growth 5Y4.8%
EBIT Next Year12.39%
EBIT Next 3Y9.18%
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%