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Zurich Insurance Group Ltd (DE:ZFIN)
XETRA:ZFIN
ZFIN Stock Chart & Stats
€587.20
€0.00(0.00%)
At close: 4:00 PM EST
€587.20
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€304.20 - €650.20
Previous CloseN/A
Volume1.18K
Average Volume (3M)102.00
Market Cap
$88.21B
Enterprise Value€108.41B
Total Cash (Recent Filing)$7.08B
Total Debt (Recent Filing)$18.65B
Price to Earnings (P/E)15.2
Beta1.00
Next Earnings
Aug 06, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)20.12
Shares Outstanding153,446,670
10 Day Avg. Volume113
30 Day Avg. Volume102
Financial Highlights & Ratios
PEG Ratio0.65
Price to Book (P/B)3.80
Price to Sales (P/S)1.18
P/FCF Ratio4.66
Enterprise Value/Market Cap1.23
Enterprise Value/Revenue1.27
Enterprise Value/Gross Profit1.27
Enterprise Value/Ebitda17.44
Forecast
1Y Price Target
$617.20Price Target Upside5.11% Upside
Rating ConsensusModerate Sell
Number of Analyst Covering8
EPS Forecast (FY)52.76
Revenue Forecast (FY)$73.32B
Bulls Say, Bears Say
Bulls Say
Very Strong Free Cash Flow GenerationZurich's 2025 free cash flow (~23.2B) and FCF running at ~98% of net income demonstrate durable cash conversion from underwriting and investments. This strengthens capacity for dividends, buybacks and reinvestment, supporting capital returns and strategic flexibility over the medium term.
High Capital Efficiency (core ROE) And Record Operating ProfitA 26.3% core ROE and record operating profit (USD 4.2B) indicate strong underwriting and capital allocation. Persistently high ROE supports long-term shareholder returns, validates management targets, and provides headroom to absorb cyclical shocks while funding growth and remittances.
Diversified, Growing Life FranchiseLife segment growth—GWP +14% and new business +20% with stable BOP—strengthens Zurich's diversification away from cyclical P&C. Durable premium expansion and new-business momentum improve long-term earnings visibility and cross-sell opportunities across wealth, pensions and protection lines.
Bears Say
Rising Leverage / Higher Debt-to-equityDebt-to-equity increasing to ~0.65 reduces balance-sheet flexibility versus prior years. While still moderate, higher gearing heightens sensitivity to adverse underwriting cycles or market losses, and may constrain room for opportunistic investments or larger capital returns if conditions deteriorate.
Material Year-to-year Cash Flow VolatilityDespite exceptional 2025 cash generation, Zurich's operating and free cash flow have shown large swings across years. This volatility complicates forecasting for remittances and capital planning, and can lead to uneven capacity for buybacks, dividends or M&A across the cycle.
Liability Market Remains UnprofitableStructural weakness in the liability insurance market constrains long-term margin expansion. Continued disciplined underwriting implies slower volume growth or higher pricing needs; persistent unprofitability could pressure P&C returns and force conservative capital allocation over multiple years.
Zurich Insurance Group News
ZFIN FAQ
What was Zurich Insurance Group Ltd’s price range in the past 12 months?
Zurich Insurance Group Ltd lowest stock price was €304.20 and its highest was €650.20 in the past 12 months.
What is Zurich Insurance Group Ltd’s market cap?
Zurich Insurance Group Ltd’s market cap is $88.21B.
When is Zurich Insurance Group Ltd’s upcoming earnings report date?
Zurich Insurance Group Ltd’s upcoming earnings report date is Aug 06, 2026 which is in 146 days.
How were Zurich Insurance Group Ltd’s earnings last quarter?
Zurich Insurance Group Ltd released its earnings results on Feb 19, 2026. The company reported €20.123 earnings per share for the quarter, beating the consensus estimate of €18.541 by €1.582.
Is Zurich Insurance Group Ltd overvalued?
According to Wall Street analysts Zurich Insurance Group Ltd’s price is currently Undervalued.
Does Zurich Insurance Group Ltd pay dividends?
Zurich Insurance Group Ltd does not currently pay dividends.
What is Zurich Insurance Group Ltd’s EPS estimate?
Zurich Insurance Group Ltd’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Zurich Insurance Group Ltd have?
Zurich Insurance Group Ltd has 153,446,670 shares outstanding.
What happened to Zurich Insurance Group Ltd’s price movement after its last earnings report?
Zurich Insurance Group Ltd reported an EPS of €20.123 in its last earnings report, beating expectations of €18.541. Following the earnings report the stock price went down -1.32%.
Which hedge fund is a major shareholder of Zurich Insurance Group Ltd?
Currently, no hedge funds are holding shares in DE:ZFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Zurich Insurance Group Ltd
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. The company also provides property, casualty, management or professional liability, trade credit, political risk, marine, cyber risk, and financial institution insurance products. In addition, it offers employee benefit insurance products; reinsurance services; and non-claims and ancillary services to the farmers' exchanges. It serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. The company sells its products through agents, brokers, and bank distribution channels. Zurich Insurance Group AG was founded in 1872 and is based in Zurich, Switzerland.
ZFIN Company Deck
ZFIN Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The earnings call presented a strong positive performance for Zurich, with record operating profits and ROE, alongside robust financial resilience. While there are some challenges, particularly in the liability market and expenses, the overall sentiment remains optimistic with significant growth in key areas.View all DE:ZFIN earnings summariesZFIN Stock 12 Month Forecast
Average Price Target
€617.20
▲(5.11% Upside)
Technical Analysis
Options Prices
Currently, No data available
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