ZURN Stock Overview
Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific.
No risks detected for ZURN from our risk checks.
Zurich Insurance Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||CHF427.20|
|52 Week High||CHF461.70|
|52 Week Low||CHF374.60|
|1 Month Change||3.92%|
|3 Month Change||-1.16%|
|1 Year Change||5.33%|
|3 Year Change||22.97%|
|5 Year Change||46.25%|
|Change since IPO||-49.68%|
Recent News & Updates
|ZURN||CH Insurance||CH Market|
Return vs Industry: ZURN exceeded the Swiss Insurance industry which returned 1.9% over the past year.
Return vs Market: ZURN exceeded the Swiss Market which returned -12.3% over the past year.
|ZURN Average Weekly Movement||3.0%|
|Insurance Industry Average Movement||3.2%|
|Market Average Movement||4.6%|
|10% most volatile stocks in CH Market||7.9%|
|10% least volatile stocks in CH Market||2.4%|
Stable Share Price: ZURN is less volatile than 75% of Swiss stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: ZURN's weekly volatility (3%) has been stable over the past year.
About the Company
Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company operates through Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses segments. It offers car, home, travel, general liability, life and critical illness, worker injury, and other insurance products; and saving and investment, and pension and retirement planning products.
Zurich Insurance Group Fundamentals Summary
|ZURN fundamental statistics|
Is ZURN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ZURN income statement (TTM)|
|Cost of Revenue||US$31.24b|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
Nov 10, 2022
|Earnings per share (EPS)||35.15|
|Net Profit Margin||10.92%|
How did ZURN perform over the long term?See historical performance and comparison
5.2%Current Dividend Yield
Is ZURN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for ZURN?
Other financial metrics that can be useful for relative valuation.
|What is ZURN's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does ZURN's PE Ratio compare to its peers?
|ZURN PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
BALN Bâloise Holding
HELN Helvetia Holding
VAHN Vaudoise Assurances Holding
SREN Swiss Re
ZURN Zurich Insurance Group
Price-To-Earnings vs Peers: ZURN is good value based on its Price-To-Earnings Ratio (12.7x) compared to the peer average (18.5x).
Price to Earnings Ratio vs Industry
How does ZURN's PE Ratio compare vs other companies in the European Insurance Industry?
Price-To-Earnings vs Industry: ZURN is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the Swiss Insurance industry average (12.3x)
Price to Earnings Ratio vs Fair Ratio
What is ZURN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||12.7x|
|Fair PE Ratio||19x|
Price-To-Earnings vs Fair Ratio: ZURN is good value based on its Price-To-Earnings Ratio (12.7x) compared to the estimated Fair Price-To-Earnings Ratio (19x).
Share Price vs Fair Value
What is the Fair Price of ZURN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: ZURN (CHF428.4) is trading below our estimate of fair value (CHF1150.19)
Significantly Below Fair Value: ZURN is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
Discover undervalued companies
How is Zurich Insurance Group forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ZURN's forecast earnings growth (7.9% per year) is above the savings rate (-0.2%).
Earnings vs Market: ZURN's earnings (7.9% per year) are forecast to grow slower than the Swiss market (8.8% per year).
High Growth Earnings: ZURN's earnings are forecast to grow, but not significantly.
Revenue vs Market: ZURN's revenue (3.2% per year) is forecast to grow slower than the Swiss market (4.4% per year).
High Growth Revenue: ZURN's revenue (3.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ZURN's Return on Equity is forecast to be low in 3 years time (17.8%).
Discover growth companies
How has Zurich Insurance Group performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ZURN has high quality earnings.
Growing Profit Margin: ZURN's current net profit margins (10.9%) are higher than last year (6.8%).
Past Earnings Growth Analysis
Earnings Trend: ZURN's earnings have grown by 11.2% per year over the past 5 years.
Accelerating Growth: ZURN's earnings growth over the past year (7.6%) is below its 5-year average (11.2% per year).
Earnings vs Industry: ZURN earnings growth over the past year (7.6%) underperformed the Insurance industry 14.2%.
Return on Equity
High ROE: ZURN's Return on Equity (18.9%) is considered low.
Discover strong past performing companies
How is Zurich Insurance Group's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: ZURN's short term assets ($96.8B) exceed its short term liabilities ($61.6B).
Long Term Liabilities: ZURN's short term assets ($96.8B) do not cover its long term liabilities ($295.8B).
Debt to Equity History and Analysis
Debt Level: ZURN's net debt to equity ratio (2%) is considered satisfactory.
Reducing Debt: ZURN's debt to equity ratio has increased from 39.2% to 57.2% over the past 5 years.
Debt Coverage: ZURN's debt is well covered by operating cash flow (28.7%).
Interest Coverage: ZURN's interest payments on its debt are well covered by EBIT (16.8x coverage).
Discover healthy companies
What is Zurich Insurance Group current dividend yield, its reliability and sustainability?
Dividend Score 6/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ZURN's dividend (5.14%) is higher than the bottom 25% of dividend payers in the Swiss market (1.83%).
High Dividend: ZURN's dividend (5.14%) is in the top 25% of dividend payers in the Swiss market (3.97%)
Stability and Growth of Payments
Stable Dividend: ZURN's dividends per share have been stable in the past 10 years.
Growing Dividend: ZURN's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (68.8%), ZURN's dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: At its current cash payout ratio (81.2%), ZURN's dividend payments are covered by cash flows.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mario Greco (63 yo)
Mr. Mario Greco has been the Group Chief Executive Officer and Member of the Executive Committee at Zurich Insurance Group AG since March 07, 2016. Mr. Greco served as the Group Chief Executive Officer of...
CEO Compensation Analysis
Compensation vs Market: Mario's total compensation ($USD10.09M) is above average for companies of similar size in the Swiss market ($USD6.96M).
Compensation vs Earnings: Mario's compensation has been consistent with company performance over the past year.
Experienced Management: ZURN's management team is considered experienced (4.3 years average tenure).
Experienced Board: ZURN's board of directors are considered experienced (6.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Zurich Insurance Group AG's employee growth, exchange listings and data sources
- Name: Zurich Insurance Group AG
- Ticker: ZURN
- Exchange: SWX
- Founded: 1872
- Industry: Multi-line Insurance
- Sector: Insurance
- Implied Market Cap: CHF63.350b
- Shares outstanding: 148.29m
- Website: https://www.zurich.com
Number of Employees
- Zurich Insurance Group AG
- Mythenquai 2
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/19 00:00|
|End of Day Share Price||2022/08/19 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.