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Zurich Insurance Group Ltd

Company price
38.28 USD -0.95 ( 2.42%)
Last update at 2026-11-06T20:57:00Z
VOLUME
12101
Market Cap
109607.17M
P/E
14.85

Momentum Score

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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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Day Price Range
38.23
Low
38.53
High
52 Week Price Range
31.87
Low
38.71
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

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.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
39.23
Dividend Yield
5.22%
Revenue TTM
76973.00M
Revenue Per Share
26.57
Gross Profit TTM
18699.00M
Debt / Equity
-
ROE
25.70%
Net Debt
6935.00M
ROCE
2.09%
Diluted EPS TTM
2.47

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

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

Peer Comparison*

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

Profile*

Zurich Insurance Group Ltd

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.

Mythenquai 2, Zurich, Switzerland, 8002

41 44 625 25 25

65000

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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