ZFIN Stock Overview

Provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. More details

ZFIN fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	6/6
Financial Health	4/6
Dividends	6/6

Rewards

Trading at 48.8% below our estimate of its fair value

Earnings are forecast to grow 5.42% per year

Earnings grew by 33.6% over the past year

Pays a high and reliable dividend of 4.47%

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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Zurich Insurance Group AG Competitors

Allianz

XTRA:ALV

€135.0b

Talanx

XTRA:TLX

€28.4b

Münchener Rückversicherungs-Gesellschaft in München

XTRA:MUV2

€74.1b

Hannover Rück

XTRA:HNR1

€33.5b

Price History & Performance

Summary of share price highs, lows and changes for Zurich Insurance Group
Historical stock prices
Current Share Price	CHF 620.60
52 Week High	CHF 636.40
52 Week Low	CHF 606.60
Beta	0.59
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	2.36%

Recent updates

Shareholder Returns

	ZFIN	DE Insurance	DE Market
7D	0.2%	-2.5%	0.8%
1Y	n/a	29.8%	14.6%

Return vs Industry: Insufficient data to determine how ZFIN performed against the German Insurance industry.

Return vs Market: Insufficient data to determine how ZFIN performed against the German Market.

Price Volatility

Is ZFIN's price volatile compared to industry and market?
ZFIN volatility
ZFIN Average Weekly Movement	n/a
Insurance Industry Average Movement	4.7%
Market Average Movement	6.6%
10% most volatile stocks in DE Market	12.7%
10% least volatile stocks in DE Market	3.1%

Stable Share Price: ZFIN's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine ZFIN's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1872	60,000	Mario Greco	www.zurich.com

Zurich Insurance Group AG 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 and motor, home, travel, general liability, life and critical illness, and other insurance products; and saving and investment, and pension and retirement planning products.

Zurich Insurance Group AG Fundamentals Summary

How do Zurich Insurance Group's earnings and revenue compare to its market cap?
ZFIN fundamental statistics
Market cap	€88.60b
Earnings (TTM)	€5.21b
Revenue (TTM)	€61.63b

17.0x

P/E Ratio

1.4x

P/S Ratio

Is ZFIN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ZFIN income statement (TTM)
Revenue	US$68.72b
Cost of Revenue	US$53.49b
Gross Profit	US$15.23b
Other Expenses	US$9.42b
Earnings	US$5.81b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Aug 07, 2025

Earnings per share (EPS)	40.86
Gross Margin	22.16%
Net Profit Margin	8.46%
Debt/Equity Ratio	52.0%

How did ZFIN perform over the long term?

See historical performance and comparison

Dividends

4.5%

Current Dividend Yield

76%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/18 09:10
End of Day Share Price	2025/05/16 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Zurich Insurance Group AG is covered by 52 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Dieter Hein	AlphaValue
Daniel Bischof	Baader Helvea Equity Research
Marco Cavalleri	Banca Akros S.p.A. (ESN)

Zurich Insurance Group XTRA:ZFIN Stock Report