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Zurich Insurance Group Ltd (DE:ZFIN)
XETRA:ZFIN
Germany Market
ZFIN
Zurich Insurance Group
RESEARCH TOOLSreports

Zurich Insurance Group (ZFIN) Ratios

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3 Followers

Zurich Insurance Group Ratios

DE:ZFIN's free cash flow for Q4 2025 was $1.00. For the 2025 fiscal year, DE:ZFIN'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 25Dec 24Dec 23Dec 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 0.02
Operating Cash Flow Ratio
 0.00 0.00 0.00 14.69 26.45
Short-Term Operating Cash Flow Coverage
 5.29 6.23 44.72 24.73 26.45
Net Current Asset Value
$ -392.46B$ -392.46B$ -327.30B$ -234.86B$ -194.05B
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.04 0.04 0.04 0.05
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 0.35
Financial Leverage Ratio
 15.96 15.96 14.05 14.54 13.06
Debt Service Coverage Ratio
 0.65 2.07 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 0.18 0.19
Interest Debt Per Share
 135.08 134.17 103.52 108.72 108.56
Net Debt to EBITDA
 1.86 0.97 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%1.57%1.62%1.20%1.18%
Return on Equity (ROE)
31.81%24.99%22.83%17.50%15.43%
Return on Capital Employed (ROCE)
12.07%2.31%2.36%1.79%1.60%
Return on Invested Capital (ROIC)
8.65%1.64%1.73%0.82%1.73%
Return on Tangible Assets
1.86%1.61%1.68%1.24%1.22%
Earnings Yield
8.42%6.58%6.82%5.69%5.58%
Efficiency Ratios
Receivables Turnover
 4.11 3.66 22.82 5.48 3.16
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 48.79 43.46 46.09 37.33 20.12
Asset Turnover
 0.23 0.20 0.24 0.22 0.13
Working Capital Turnover Ratio
 6.41 5.11 1.66 0.73 0.33
Cash Conversion Cycle
 88.91 99.82 16.00 66.65 115.58
Days of Sales Outstanding
 88.91 99.82 16.00 66.65 115.58
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 88.91 99.82 16.00 66.65 115.58
Cash Flow Ratios
Operating Cash Flow Per Share
 141.46 166.45 52.94 50.19 34.22
Free Cash Flow Per Share
 137.43 162.92 50.36 47.33 30.36
CapEx Per Share
 4.03 3.53 2.58 2.86 3.85
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 1.68 1.71 1.24
Capital Expenditure Coverage Ratio
 35.07 47.20 20.55 17.57 8.88
Operating Cash Flow Coverage Ratio
 1.08 1.27 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%21.46%8.49%9.05%6.35%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.87 15.20 14.66 17.59 17.91
Price-to-Sales (P/S) Ratio
 0.99 1.18 0.99 0.98 1.59
Price-to-Book (P/B) Ratio
 3.43 3.80 3.35 3.08 2.76
Price-to-Free Cash Flow (P/FCF) Ratio
 5.24 4.66 11.78 11.05 15.75
Price-to-Operating Cash Flow Ratio
 4.85 4.56 11.21 10.42 13.98
Price-to-Earnings Growth (PEG) Ratio
 0.12 0.65 0.42 1.45 -0.76
Price-to-Fair Value
 3.43 3.80 3.35 3.08 2.76
Enterprise Value Multiple
 18.35 10.09 9.46 10.91 12.03
Enterprise Value
 114.10B 119.80B 92.87B 84.69B 79.11B
EV to EBITDA
 18.35 10.09 9.46 10.91 12.03
EV to Sales
 1.11 1.30 1.08 1.08 1.77
EV to Free Cash Flow
 5.84 5.16 12.84 12.23 17.55
EV to Operating Cash Flow
 5.67 5.05 12.21 11.53 15.58
Tangible Book Value Per Share
 124.47 124.20 107.96 100.79 107.95
Shareholders’ Equity Per Share
 200.29 199.86 177.35 169.87 173.02
Tax and Other Ratios
Effective Tax Rate
 0.28 0.28 0.27 0.27 0.20
Revenue Per Share
 725.15 644.49 599.11 533.64 301.55
Net Income Per Share
 57.81 49.95 40.48 29.73 26.70
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 <0.01 <0.01 <0.01
Income Quality
 2.45 3.33 1.31 1.69 1.10
Currency in USD