Zurich Insurance Group AG

OTCPK:ZFSV.F Stock Report

Market Cap: US$86.3b

Zurich Insurance Group Valuation

Is ZFSV.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of ZFSV.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ZFSV.F ($595) is trading above our estimate of fair value ($86.13)

Significantly Below Fair Value: ZFSV.F is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ZFSV.F?

Key metric: As ZFSV.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ZFSV.F. This is calculated by dividing ZFSV.F's market cap by their current earnings.
What is ZFSV.F's PE Ratio?
PE Ratio17.7x
EarningsUS$4.89b
Market CapUS$86.33b

Price to Earnings Ratio vs Peers

How does ZFSV.F's PE Ratio compare to its peers?

The above table shows the PE ratio for ZFSV.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average22.4x
AIG American International Group
12.5x37.4%US$47.3b
AON Aon
33.8x14.3%US$82.0b
HMN Horace Mann Educators
15.9x23.1%US$1.7b
MMC Marsh & McLennan Companies
27.3x7.2%US$109.1b
ZFSV.F Zurich Insurance Group
17.7x1.6%US$76.7b

Price-To-Earnings vs Peers: ZFSV.F is good value based on its Price-To-Earnings Ratio (17.7x) compared to the peer average (22.4x).

Price to Earnings Ratio vs Industry

How does ZFSV.F's PE Ratio compare vs other companies in the US Insurance Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
UTGN UTG
2xn/aUS$85.49m
AORE.F American Overseas Group
2.1xn/aUS$16.68m
CUII China United Insurance Service
0.0003xn/aUS$3.13k
No more companies available in this PE range
ZFSV.F 17.7xIndustry Avg. 13.5xNo. of Companies14PE01020304050+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ZFSV.F is expensive based on its Price-To-Earnings Ratio (17.7x) compared to the US Insurance industry average (13.1x).

Price to Earnings Ratio vs Fair Ratio

What is ZFSV.F'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.

ZFSV.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio17.7x
Fair PE Ratio12.8x

Price-To-Earnings vs Fair Ratio: ZFSV.F is expensive based on its Price-To-Earnings Ratio (17.7x) compared to the estimated Fair Price-To-Earnings Ratio (12.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ZFSV.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$593.42
US$563.76
-5.0%
9.2%US$666.21US$470.94n/a17
Oct ’25US$598.80
US$574.63
-4.0%
8.8%US$685.40US$484.51n/a17
Sep ’25US$568.32
US$560.75
-1.3%
7.3%US$623.38US$482.23n/a15
Aug ’25US$552.01
US$546.29
-1.0%
8.0%US$612.39US$469.31n/a15
Jul ’25US$531.25
US$525.48
-1.1%
8.2%US$595.55US$456.40n/a15
Jun ’25US$519.83
US$516.90
-0.6%
9.4%US$587.43US$410.09n/a15
May ’25US$484.06
US$503.06
+3.9%
9.3%US$575.54US$402.55n/a15
Apr ’25US$537.11
US$502.15
-6.5%
9.0%US$586.55US$410.25n/a15
Mar ’25US$526.20
US$507.60
-3.5%
9.3%US$598.93US$418.91n/a16
Feb ’25US$505.58
US$516.51
+2.2%
9.1%US$606.27US$431.38n/a16
Jan ’25US$512.00
US$532.42
+4.0%
8.5%US$618.25US$439.91n/a16
Dec ’24US$492.78
US$515.84
+4.7%
8.6%US$598.15US$425.61n/a16
Nov ’24US$482.35
US$490.80
+1.8%
9.7%US$572.80US$380.03US$593.4215
Oct ’24US$460.00
US$489.58
+6.4%
10.2%US$568.06US$376.89US$598.8016
Sep ’24US$465.05
US$508.06
+9.2%
9.9%US$586.94US$378.13US$568.3216
Aug ’24US$473.70
US$518.94
+9.6%
9.7%US$594.11US$382.74US$552.0116
Jul ’24US$465.08
US$519.51
+11.7%
9.3%US$581.00US$374.30US$531.2517
Jun ’24US$467.58
US$518.26
+10.8%
9.6%US$587.88US$369.70US$519.8317
May ’24US$481.00
US$525.09
+9.2%
9.3%US$584.02US$374.81US$484.0618
Apr ’24US$480.66
US$512.23
+6.6%
9.7%US$587.16US$366.21US$537.1117
Mar ’24US$472.00
US$504.20
+6.8%
9.8%US$587.85US$356.42US$526.2017
Feb ’24US$495.58
US$530.16
+7.0%
10.7%US$621.89US$368.64US$505.5817
Jan ’24US$475.00
US$529.04
+11.4%
10.0%US$605.67US$362.32US$512.0017
Dec ’23US$477.43
US$522.28
+9.4%
10.0%US$597.64US$368.19US$492.7816
Nov ’23US$425.96
US$489.88
+15.0%
11.2%US$594.78US$344.96US$482.3518

Analyst Forecast: Target price is lower than the current share price.

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