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STOCKS

Zurich Insurance (DE:ZFI1)

OTHER OTC:ZFI1

ZFI1

Zurich Insurance Group AG

RESEARCH TOOLSreports

Zurich Insurance Group AG (ZFI1) Ratios

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8 Followers

Zurich Insurance Group AG Ratios

DE:ZFI1's free cash flow for Q4 2025 was $1.00. For the 2025 fiscal year, DE:ZFI1's free cash flow was decreased by $ and operating cash flow was $0.11. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	0.00	0.00	200.49	595.98
Quick Ratio	0.00	0.00	0.00	200.49	595.98
Cash Ratio	0.00	0.00	0.00	14.56	39.38
Solvency Ratio	0.02	0.02	0.02	0.02	0.01
Operating Cash Flow Ratio	0.00	0.00	0.00	14.69	26.45
Short-Term Operating Cash Flow Coverage	5.29	5.98	44.72	24.73	26.45
Net Current Asset Value	$ -392.46B	$ -392.72B	$ -327.30B	$ -234.86B	$ -235.44B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.04	0.04	0.04	0.04
Debt-to-Equity Ratio	0.65	0.65	0.57	0.62	0.61
Debt-to-Capital Ratio	0.40	0.40	0.36	0.38	0.38
Long-Term Debt-to-Capital Ratio	0.32	0.32	0.33	0.35	0.38
Financial Leverage Ratio	15.96	15.96	14.05	14.54	14.71
Debt Service Coverage Ratio	0.65	2.00	12.39	8.00	8.64
Interest Coverage Ratio	96.34	21.83	19.24	14.16	12.10
Debt to Market Cap	0.17	0.16	0.15	0.36	0.44
Interest Debt Per Share	135.08	6.71	5.13	10.87	10.86
Net Debt to EBITDA	1.86	1.02	0.78	1.05	1.23
Profitability Margins
Gross Profit Margin	100.00%	100.00%	97.23%	96.94%	75.45%
EBIT Margin	10.02%	11.97%	10.35%	8.85%	13.00%
EBITDA Margin	6.03%	12.92%	11.41%	9.94%	14.69%
Operating Profit Margin	53.19%	11.45%	9.84%	8.27%	12.00%
Pretax Profit Margin	11.71%	11.45%	9.84%	8.27%	12.01%
Net Profit Margin	7.97%	7.75%	6.76%	5.57%	8.86%
Continuous Operations Profit Margin	8.46%	8.21%	7.21%	6.04%	9.60%
Net Income Per EBT	68.09%	67.71%	68.68%	67.37%	73.76%
EBT Per EBIT	22.01%	100.00%	99.99%	100.03%	100.02%
Return on Assets (ROA)	1.81%	1.50%	1.62%	1.20%	1.05%
Return on Equity (ROE)	31.81%	23.96%	22.83%	17.50%	15.43%
Return on Capital Employed (ROCE)	12.07%	2.22%	2.36%	1.79%	1.42%
Return on Invested Capital (ROIC)	8.65%	1.58%	1.73%	0.82%	1.73%
Return on Tangible Assets	1.86%	1.54%	1.68%	1.24%	1.08%
Earnings Yield	8.42%	6.30%	6.76%	11.37%	11.16%
Efficiency Ratios
Receivables Turnover	4.11	3.51	22.82	5.48	3.16
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	-0.02	0.00	0.00
Fixed Asset Turnover	48.79	41.67	46.09	37.33	20.12
Asset Turnover	0.23	0.19	0.24	0.22	0.12
Working Capital Turnover Ratio	6.41	4.90	1.66	0.73	0.33
Cash Conversion Cycle	88.91	104.11	-23.24K	66.65	115.58
Days of Sales Outstanding	88.91	104.11	16.00	66.65	115.58
Days of Inventory Outstanding	0.00	0.00	-23.25K	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	88.91	104.11	-23.24K	66.65	115.58
Cash Flow Ratios
Operating Cash Flow Per Share	141.46	7.99	2.63	5.02	3.42
Free Cash Flow Per Share	137.43	7.82	2.50	4.73	3.04
CapEx Per Share	4.03	0.17	0.13	0.29	0.39
Free Cash Flow to Operating Cash Flow	0.97	0.98	0.95	0.94	0.89
Dividend Paid and CapEx Coverage Ratio	4.24	4.40	1.57	1.62	1.24
Capital Expenditure Coverage Ratio	35.07	47.20	20.55	17.57	8.88
Operating Cash Flow Coverage Ratio	1.08	1.22	0.53	0.48	0.32
Operating Cash Flow to Sales Ratio	0.20	0.26	0.09	0.09	0.11
Free Cash Flow Yield	19.07%	20.55%	8.41%	18.11%	12.69%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.87	15.87	14.79	8.79	8.96
Price-to-Sales (P/S) Ratio	0.99	1.23	1.00	0.49	0.79
Price-to-Book (P/B) Ratio	3.43	3.80	3.38	1.54	1.38
Price-to-Free Cash Flow (P/FCF) Ratio	5.24	4.87	11.89	5.52	7.88
Price-to-Operating Cash Flow Ratio	4.85	4.76	11.31	5.21	6.99
Price-to-Earnings Growth (PEG) Ratio	0.12	0.85	0.09	0.74	-0.38
Price-to-Fair Value	3.43	3.80	3.38	1.54	1.38
Enterprise Value Multiple	18.35	10.54	9.54	5.98	6.64
Enterprise Value	114.10B	120.02B	93.65B	46.43B	43.62B
EV to EBITDA	18.35	10.54	9.54	5.98	6.64
EV to Sales	1.11	1.36	1.09	0.59	0.97
EV to Free Cash Flow	5.84	5.39	12.95	6.70	9.68
EV to Operating Cash Flow	5.67	5.27	12.32	6.32	8.59
Tangible Book Value Per Share	124.47	6.21	5.35	10.08	11.46
Shareholders’ Equity Per Share	200.29	10.00	8.80	16.99	17.30
Tax and Other Ratios
Effective Tax Rate	0.28	0.28	0.27	0.27	0.20
Revenue Per Share	725.15	30.92	29.71	53.36	30.16
Net Income Per Share	57.81	2.40	2.01	2.97	2.67
Tax Burden	0.68	0.68	0.69	0.67	0.74
Interest Burden	1.17	0.96	0.95	0.93	0.92
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.19
Stock-Based Compensation to Revenue	<0.01	0.00	0.00	0.00	<0.01
Income Quality	2.45	3.33	1.31	1.69	1.10

Currency in USD