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Zurich Insurance Group AG provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. It operates through Property & Casualty Regions, Life Regions, and Farmers segments. The company 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. It also provides property, casualty, energy and engineering lines, and marine; management liability, financial institutions, and professional indemnity; and cyber, accident and health, and credit lines and surety insurance products, as well as non-claims and ancillary services to the farmers exchanges. In addition, it offers employee benefit insurance products; and climate resilience, risk engineering, captive, cyber resilience, and reinsurance services. It serves individuals, small businesses, mid-sized and large companies, and 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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Zurich Insurance Group is a global insurance company offering life, general and commercial property & casualty coverage plus risk management services across developed and emerging markets. Long-term growth may be supported by diversified underwriting, expansion in commercial and emerging markets and digital distribution initiatives, and investors may view its scale and diversified earnings as attractive.
Key risks include large-scale underwriting losses from natural catastrophes, sensitivity of investment returns to interest rates and market volatility, and regulatory or reserve adequacy pressures.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 10040.00M | 8465.00M | 6458.00M | 6199.00M | 7321.00M |
| Minority interest | -403.00M | -390.00M | -366.00M | -319.00M | -223.00M |
| Net income | 6798.00M | 5814.00M | 4351.00M | 4603.00M | 5202.00M |
| Selling general administrative | - | - | - | 8665.00M | 8794.00M |
| Reconciled depreciation | 858.00M | 911.00M | 852.00M | 804.00M | 849.00M |
| Ebit | - | - | - | 6684.00M | 7975.00M |
| Interest expense | 460.00M | 440.00M | 456.00M | 434.00M | 1060.00M |
| Tax provision | 2840.00M | 2261.00M | 1741.00M | 1279.00M | 1895.00M |
| Net interest income | -460.00M | -440.00M | -456.00M | -434.00M | -1060.00M |
| Income tax expense | - | - | - | 1040.00M | 1895.00M |
| Total revenue | 88670.00M | 86046.00M | 78098.00M | 41425.00M | 70065.00M |
| Total operating expenses | 78630.00M | 77580.00M | 71642.00M | 35226.00M | 62744.00M |
| Total other income expense net | 253.00M | 205.00M | 111.00M | 2296.00M | 1283.00M |
| Net income from continuing ops | 7200.00M | 6204.00M | 4717.00M | 4920.00M | 5426.00M |
| Net income applicable to common shares | - | - | - | 4603.00M | 5202.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 407211.00M | 358005.00M | 361382.00M | 377782.00M | 435826.00M |
| Intangible assets | 6867.00M | 6628.00M | 6987.00M | 7094.00M | 7133.00M |
| Other current assets | - | - | - | 58039.00M | 46797.00M |
| Total liab | 377045.00M | 331067.00M | 335103.00M | 349869.00M | 396656.00M |
| Total stockholder equity | 28515.00M | 25472.00M | 24860.00M | 26634.00M | 37881.00M |
| Deferred long term liab | - | - | - | 431.00M | 441.00M |
| Other current liab | - | - | - | 48758.00M | 36577.00M |
| Common stock | - | - | - | 11.00M | 11.00M |
| Capital stock | 10.00M | 10.00M | 10.00M | 11.00M | 11.00M |
| Retained earnings | 35786.00M | 33823.00M | 32842.00M | 42863.00M | 41707.00M |
| Other liab | - | - | - | 276598.00M | 323061.00M |
| Good will | 5576.00M | 4805.00M | 4542.00M | 4421.00M | 4343.00M |
| Other assets | - | - | - | 150332.00M | 172974.00M |
| Cash | 7086.00M | 6768.00M | 7280.00M | 7560.00M | 8698.00M |
| Total current liabilities | - | - | - | 58215.00M | 57405.00M |
| Net debt | 6935.00M | 6123.00M | 6507.00M | 6410.00M | 6411.00M |
| Short long term debt | 0.00M | 170.00M | 1268.00M | - | - |
| Other stockholder equity | - | - | - | -17398.00M | -5286.00M |
| Property plant equipment | - | - | - | 2225.00M | 2436.00M |
| Total current assets | - | - | - | 86039.00M | 76514.00M |
| Long term investments | 153322.00M | 138099.00M | 124276.00M | 117966.00M | 164870.00M |
| Net tangible assets | - | - | - | 15457.00M | 26778.00M |
| Short term investments | 10911.00M | 10533.00M | 9909.00M | 106868.00M | 151910.00M |
| Net receivables | - | - | 10391.00M | 8972.00M | 8351.00M |
| Long term debt | 14021.00M | 12721.00M | 12519.00M | 13970.00M | 15109.00M |
| Accounts payable | - | - | - | 4156.00M | 15334.00M |
| Capital lease obligations | 1660.00M | 1537.00M | 1668.00M | 1701.00M | 2002.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -1404.00M | -1132.00M | -691.00M | -36.00M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | - | - | - | -691.00M | -2886.00M |
| Net borrowings | 281.00M | -389.00M | -652.00M | -736.00M | 1697.00M |
| Total cash from financing activities | - | - | - | -5273.00M | -2292.00M |
| Change to operating activities | - | - | - | -10436.00M | 17118.00M |
| Net income | 6798.00M | 5232.83M | 3836.19M | 4603.00M | 5202.00M |
| Change in cash | 394.00M | -555.00M | -510.00M | -1175.00M | -2396.00M |
| Begin period cash flow | 7090.00M | 7645.00M | 8155.00M | 9330.00M | 11726.00M |
| End period cash flow | 7484.00M | 7090.00M | 7645.00M | 8155.00M | 9330.00M |
| Total cash from operating activities | 5903.00M | 7603.00M | 7345.00M | 5079.00M | 3167.00M |
| Depreciation | 858.00M | 911.00M | 852.00M | 451.00M | 495.00M |
| Other cashflows from investing activities | - | - | - | - | 1.00M |
| Dividends paid | 5082.00M | 4467.00M | 4116.00M | 3521.00M | 3199.00M |
| Change to account receivables | - | - | - | -2055.00M | -2059.00M |
| Sale purchase of stock | - | -1309.00M | -2023.00M | -770.00M | -455.00M |
| Other cashflows from financing activities | - | - | - | -246.00M | -335.00M |
| Change to netincome | - | - | - | 12171.00M | -17918.00M |
| Capital expenditures | 480.00M | 370.00M | 418.00M | 572.00M | 576.00M |
| Change in working capital | 14326.00M | 16030.00M | 8657.00M | -12757.00M | 15674.00M |
| Other non cash items | 105.00M | -2.00M | -13.00M | -125.00M | -374.00M |
| Free cash flow | 5423.00M | 7233.00M | 6927.00M | 4507.00M | 2591.00M |
Sector: Financial Services Industry: Insurance - Diversified
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| ZURVY Zurich Insurance Group Ltd |
-0.95 2.42% |
38.28 | 14.85 | 15.29 | 1.42 | 3.47 | 1.10 |
| BRK-A Berkshire Hathaway Inc |
4927.06 0.58% |
861627.07 | 12.94 | 22.83 | 2.87 | 1.47 | 2.72 |
| BRK-B Berkshire Hathaway Inc |
-0.17 0.03% |
570.89 | 10.15 | 16.16 | 2.21 | 1.47 | 2.16 |
| ALIZY Allianz SE ADR |
-2.03 3.91% |
49.95 | 14.10 | 12.79 | 1.54 | 2.37 | 1.12 |
| ALIZF Allianz SE |
-39.34 7.49% |
485.66 | 13.97 | 12.66 | 1.53 | 2.34 | 1.12 |
Zurich Insurance Group AG provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. It operates through Property & Casualty Regions, Life Regions, and Farmers segments. The company 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. It also provides property, casualty, energy and engineering lines, and marine; management liability, financial institutions, and professional indemnity; and cyber, accident and health, and credit lines and surety insurance products, as well as non-claims and ancillary services to the farmers exchanges. In addition, it offers employee benefit insurance products; and climate resilience, risk engineering, captive, cyber resilience, and reinsurance services. It serves individuals, small businesses, mid-sized and large companies, and 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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Mario Greco | Group CEO & Member of the Exec. Committee | 1959 |
| Mr. George Quinn | Group CFO & Member of the Exec. Committee | 1966 |
| Mr. Kristof Frans Rosa Terryn | CEO of North America & Member of the Exec. Committee | 1967 |
| Mr. Jeffrey John Dailey | CEO of Farmers Group, Inc. & Member of the Exec. Committee | 1957 |
| Mr. John Inniss Howell B.S (QE), MBA | CEO of Zurich Global Ventures & Member of the Exec. Committee | 1970 |
| Ms. Tulsi Ratakonda Naidu | CEO of APAC & Member of the Exec. Committee | 1973 |
| Ms. Alison Martin | CEO of EMEA & Bank Distribution and Member of the Exec. Committee | 1974 |
| Ms. Sierra Signorelli | CEO of Commercial Insurance & Member of the Exec. Committee | 1975 |
| Mr. Peter Giger | Group Chief Risk Officer & Member of the Exec. Committee | 1964 |
| Mr. Ericson Chan | Group Chief Information & Digital Officer and Member of the Exec. Committee | 1966 |
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