Zurich Insurance Group AG Logo

Zurich Insurance Group AG

ZURN.SW

(2.0)
Stock Price

509,40 CHF

1.26% ROA

19.73% ROE

16.53x PER

Market Cap.

73.508.535.021,36 CHF

58.84% DER

4.68% Yield

8.28% NPM

Zurich Insurance Group AG Stock Analysis

Zurich Insurance Group AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Zurich Insurance Group AG Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

2 ROE

ROE in an average range (14.27%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (1.26%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (2.75x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 DER

The stock has a reasonable amount of debt compared to its ownership (59%), suggesting a balanced financial position and a moderate level of risk.

6 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (4.753) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

Zurich Insurance Group AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Zurich Insurance Group AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Zurich Insurance Group AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Zurich Insurance Group AG Revenue
Year Revenue Growth
1999 40.048.000.000
2000 37.431.000.000 -6.99%
2001 38.477.000.000 2.72%
2002 40.448.000.000 4.87%
2003 51.621.000.000 21.64%
2004 59.678.000.000 13.5%
2005 67.186.000.000 11.17%
2006 65.000.000.000 -3.36%
2007 55.163.000.000 -17.83%
2008 32.349.000.000 -70.52%
2009 70.272.000.000 53.97%
2010 67.850.000.000 -3.57%
2011 52.983.000.000 -28.06%
2012 70.449.000.000 24.79%
2013 72.048.000.000 2.22%
2014 72.828.000.000 1.07%
2015 60.558.000.000 -20.26%
2016 67.334.000.000 10.06%
2017 64.046.000.000 -5.13%
2018 0 0%
2019 72.087.000.000 100%
2020 58.615.000.000 -22.98%
2021 70.065.000.000 16.34%
2022 41.425.000.000 -69.14%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Zurich Insurance Group AG Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Zurich Insurance Group AG General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 3.766.000.000 100%
2003 4.188.000.000 10.08%
2004 4.035.000.000 -3.79%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 724.000.000 100%
2012 8.661.000.000 91.64%
2013 8.804.000.000 1.62%
2014 8.910.000.000 1.19%
2015 8.659.000.000 -2.9%
2016 7.478.000.000 -15.79%
2017 7.212.000.000 -3.69%
2018 0 0%
2019 8.020.000.000 100%
2020 8.006.000.000 -0.17%
2021 8.794.000.000 8.96%
2022 8.665.000.000 -1.49%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Zurich Insurance Group AG EBITDA
Year EBITDA Growth
1999 -131.000.000
2000 -209.000.000 37.32%
2001 -3.819.000.000 94.53%
2002 -5.893.000.000 35.19%
2003 -414.000.000 -1323.43%
2004 549.000.000 175.41%
2005 4.389.000.000 87.49%
2006 5.857.000.000 25.06%
2007 6.124.000.000 4.36%
2008 1.635.000.000 -274.56%
2009 3.625.000.000 54.9%
2010 4.474.000.000 18.98%
2011 4.259.000.000 -5.05%
2012 4.790.000.000 11.09%
2013 5.170.000.000 7.35%
2014 4.854.000.000 -6.51%
2015 2.888.000.000 -68.07%
2016 4.648.000.000 37.87%
2017 4.573.000.000 -1.64%
2018 0 0%
2019 5.701.000.000 100%
2020 4.216.000.000 -35.22%
2021 5.598.000.000 24.69%
2022 7.284.000.000 23.15%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Zurich Insurance Group AG Gross Profit
Year Gross Profit Growth
1999 40.048.000.000
2000 37.431.000.000 -6.99%
2001 38.477.000.000 2.72%
2002 40.448.000.000 4.87%
2003 51.621.000.000 21.64%
2004 59.678.000.000 13.5%
2005 67.186.000.000 11.17%
2006 65.000.000.000 -3.36%
2007 55.163.000.000 -17.83%
2008 32.349.000.000 -70.52%
2009 70.272.000.000 53.97%
2010 67.850.000.000 -3.57%
2011 52.983.000.000 -28.06%
2012 70.449.000.000 24.79%
2013 72.048.000.000 2.22%
2014 72.828.000.000 1.07%
2015 60.558.000.000 -20.26%
2016 67.334.000.000 10.06%
2017 64.046.000.000 -5.13%
2018 0 0%
2019 72.087.000.000 100%
2020 58.615.000.000 -22.98%
2021 70.065.000.000 16.34%
2022 41.425.000.000 -69.14%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Zurich Insurance Group AG Net Profit
Year Net Profit Growth
1999 3.264.000.000
2000 2.328.000.000 -40.21%
2001 -387.000.000 701.55%
2002 -3.430.000.000 88.72%
2003 2.120.000.000 261.79%
2004 2.587.000.000 18.05%
2005 3.330.000.000 22.31%
2006 4.625.000.000 28%
2007 5.708.000.000 18.97%
2008 3.116.000.000 -83.18%
2009 3.236.000.000 3.71%
2010 3.513.000.000 7.88%
2011 3.792.000.000 7.36%
2012 3.878.000.000 2.22%
2013 4.028.000.000 3.72%
2014 3.895.000.000 -3.41%
2015 1.842.000.000 -111.45%
2016 3.211.000.000 42.63%
2017 3.004.000.000 -6.89%
2018 0 0%
2019 4.147.000.000 100%
2020 3.834.000.000 -8.16%
2021 5.202.000.000 26.3%
2022 4.603.000.000 -13.01%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Zurich Insurance Group AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 39
2000 27 -40.74%
2001 -5 775%
2002 -37 88.89%
2003 14 357.14%
2004 17 12.5%
2005 22 27.27%
2006 32 29.03%
2007 40 20.51%
2008 22 -85.71%
2009 28 22.22%
2010 24 -17.39%
2011 26 8%
2012 27 3.85%
2013 27 3.7%
2014 27 -3.85%
2015 12 -116.67%
2016 22 42.86%
2017 20 -5%
2018 0 0%
2019 28 100%
2020 26 -12%
2021 35 26.47%
2022 31 -9.68%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Zurich Insurance Group AG Free Cashflow
Year Free Cashflow Growth
1999 2.961.000.000
2000 3.205.000.000 7.61%
2001 -2.995.000.000 207.01%
2002 5.638.000.000 153.12%
2003 8.558.000.000 34.12%
2004 8.349.000.000 -2.5%
2005 6.055.000.000 -37.89%
2006 463.000.000 -1207.78%
2007 -1.918.000.000 124.14%
2008 6.606.000.000 129.03%
2009 -2.829.000.000 333.51%
2010 2.128.000.000 232.94%
2011 3.689.000.000 42.31%
2012 2.337.000.000 -57.85%
2013 1.161.000.000 -101.29%
2014 4.479.000.000 74.08%
2015 4.544.000.000 1.43%
2016 -488.000.000 1031.15%
2017 4.677.000.000 110.43%
2018 3.236.000.000 -44.53%
2019 4.132.000.000 21.68%
2020 5.149.000.000 19.75%
2021 2.591.000.000 -98.73%
2022 4.507.000.000 42.51%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Zurich Insurance Group AG Operating Cashflow
Year Operating Cashflow Growth
1999 3.587.000.000
2000 3.775.000.000 4.98%
2001 -1.612.000.000 334.18%
2002 5.629.000.000 128.64%
2003 8.546.000.000 34.13%
2004 8.330.000.000 -2.59%
2005 6.055.000.000 -37.57%
2006 743.000.000 -714.94%
2007 -1.580.000.000 147.03%
2008 7.050.000.000 122.41%
2009 -2.470.000.000 385.43%
2010 2.310.000.000 206.93%
2011 3.888.000.000 40.59%
2012 2.563.000.000 -51.7%
2013 1.443.000.000 -77.62%
2014 5.860.000.000 75.38%
2015 5.222.000.000 -12.22%
2016 -214.000.000 2540.19%
2017 5.207.000.000 104.11%
2018 4.388.000.000 -18.66%
2019 4.884.000.000 10.16%
2020 5.701.000.000 14.33%
2021 3.167.000.000 -80.01%
2022 5.079.000.000 37.65%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Zurich Insurance Group AG Capital Expenditure
Year Capital Expenditure Growth
1999 626.000.000
2000 570.000.000 -9.82%
2001 1.383.000.000 58.79%
2002 -9.000.000 15466.67%
2003 -12.000.000 25%
2004 -19.000.000 36.84%
2005 0 0%
2006 280.000.000 100%
2007 338.000.000 17.16%
2008 444.000.000 23.87%
2009 359.000.000 -23.68%
2010 182.000.000 -97.25%
2011 199.000.000 8.54%
2012 226.000.000 11.95%
2013 282.000.000 19.86%
2014 1.381.000.000 79.58%
2015 678.000.000 -103.69%
2016 274.000.000 -147.45%
2017 530.000.000 48.3%
2018 1.152.000.000 53.99%
2019 752.000.000 -53.19%
2020 552.000.000 -36.23%
2021 576.000.000 4.17%
2022 572.000.000 -0.7%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Zurich Insurance Group AG Equity
Year Equity Growth
1999 20.230.000.000
2000 18.060.000.000 -12.02%
2001 17.742.000.000 -1.79%
2002 15.598.000.000 -13.75%
2003 18.415.000.000 15.3%
2004 21.335.000.000 13.69%
2005 21.612.000.000 1.28%
2006 27.056.000.000 20.12%
2007 29.177.000.000 7.27%
2008 22.103.000.000 -32%
2009 29.678.000.000 25.52%
2010 31.984.000.000 7.21%
2011 31.637.000.000 -1.1%
2012 34.494.000.000 8.28%
2013 32.503.000.000 -6.13%
2014 34.735.000.000 6.43%
2015 31.178.000.000 -11.41%
2016 30.660.000.000 -1.69%
2017 33.062.000.000 7.27%
2018 31.802.000.000 -3.96%
2019 36.549.000.000 12.99%
2020 39.846.000.000 8.27%
2021 39.170.000.000 -1.73%
2022 27.913.000.000 -40.33%
2023 25.335.000.000 -10.18%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Zurich Insurance Group AG Assets
Year Assets Growth
1999 224.486.000.000
2000 228.749.000.000 1.86%
2001 231.605.000.000 1.23%
2002 284.649.000.000 18.63%
2003 316.907.000.000 10.18%
2004 345.237.000.000 8.21%
2005 338.798.000.000 -1.9%
2006 373.855.000.000 9.38%
2007 389.344.000.000 3.98%
2008 327.944.000.000 -18.72%
2009 368.914.000.000 11.11%
2010 375.661.000.000 1.8%
2011 385.869.000.000 2.65%
2012 409.267.000.000 5.72%
2013 415.053.000.000 1.39%
2014 406.529.000.000 -2.1%
2015 381.972.000.000 -6.43%
2016 382.679.000.000 0.18%
2017 422.065.000.000 9.33%
2018 395.342.000.000 -6.76%
2019 404.688.000.000 2.31%
2020 439.299.000.000 7.88%
2021 435.826.000.000 -0.8%
2022 377.782.000.000 -15.36%
2023 350.126.000.000 -7.9%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Zurich Insurance Group AG Liabilities
Year Liabilities Growth
1999 202.710.000.000
2000 208.075.000.000 2.58%
2001 213.863.000.000 2.71%
2002 267.844.000.000 20.15%
2003 297.523.000.000 9.98%
2004 323.056.000.000 7.9%
2005 316.372.000.000 -2.11%
2006 346.799.000.000 8.77%
2007 360.167.000.000 3.71%
2008 304.163.000.000 -18.41%
2009 337.436.000.000 9.86%
2010 342.340.000.000 1.43%
2011 351.852.000.000 2.7%
2012 372.405.000.000 5.52%
2013 380.319.000.000 2.08%
2014 369.699.000.000 -2.87%
2015 349.069.000.000 -5.91%
2016 350.206.000.000 0.32%
2017 387.172.000.000 9.55%
2018 363.540.000.000 -6.5%
2019 368.139.000.000 1.25%
2020 399.453.000.000 7.84%
2021 396.656.000.000 -0.71%
2022 349.869.000.000 -13.37%
2023 324.791.000.000 -7.72%

Zurich Insurance Group AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
279.06
Net Income per Share
31.01
Price to Earning Ratio
16.53x
Price To Sales Ratio
1.77x
POCF Ratio
14.98
PFCF Ratio
16.31
Price to Book Ratio
2.86
EV to Sales
1.97
EV Over EBITDA
11.21
EV to Operating CashFlow
16.07
EV to FreeCashFlow
18.11
Earnings Yield
0.06
FreeCashFlow Yield
0.06
Market Cap
73,51 Bil.
Enterprise Value
81,62 Bil.
Graham Number
353.81
Graham NetNet
-1586.07

Income Statement Metrics

Net Income per Share
31.01
Income Quality
1.1
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.73
EBT Per Ebit
0.9
Ebit per Revenue
0.13
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.21
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.13
Pretax Profit Margin
0.11
Net Profit Margin
0.08

Dividends

Dividend Yield
0.05
Dividend Yield %
4.68
Payout Ratio
0.82
Dividend Per Share
24

Operating Metrics

Operating Cashflow per Share
34.22
Free CashFlow per Share
30.36
Capex to Operating CashFlow
-0.11
Capex to Revenue
-0.01
Capex to Depreciation
-0.71
Return on Invested Capital
0.12
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-3.85

Balance Sheet

Cash per Share
770,86
Book Value per Share
179,42
Tangible Book Value per Share
110.47
Shareholders Equity per Share
179.42
Interest Debt per Share
108.49
Debt to Equity
0.59
Debt to Assets
0.04
Net Debt to EBITDA
1.11
Current Ratio
595.98
Tangible Asset Value
16,40 Bil.
Net Current Asset Value
-235,44 Bil.
Invested Capital
0.59
Working Capital
114,24 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.21

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Zurich Insurance Group AG Dividends
Year Dividends Growth
1999 14
2000 17 23.53%
2001 17 0%
2002 8 -112.5%
2006 5 -100%
2007 11 63.64%
2008 15 26.67%
2009 11 -36.36%
2010 16 31.25%
2011 17 5.88%
2012 17 0%
2013 17 0%
2014 17 0%
2015 17 0%
2016 17 0%
2017 11 -54.55%
2018 17 31.25%
2019 19 15.79%
2020 20 5%
2021 20 0%
2022 22 9.09%
2023 24 8.33%

Zurich Insurance Group AG Profile

About Zurich Insurance Group AG

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.

CEO
Mr. Kristof Frans Rosa Terryn
Employee
60.000
Address
Mythenquai 2
Zurich, 8002

Zurich Insurance Group AG Executives & BODs

Zurich Insurance Group AG Executives & BODs
# Name Age
1 Mr. Scott Toland
Chief Underwriting Officer of EMEA
70
2 Mr. Alex Rudolf Dieter Koslowski
Head of Life UK
70
3 Ms. Nicole Yates
Head of A&H - Australia
70
4 Mr. Stephane Baj
Head of A&H - UK & Multinational A&H
70
5 Mr. Ian Thompson
Group Chief Claims Officer
70
6 Mr. Giovanni Giuliani
Group Head of Strategy, Innovation & Business Development
70
7 Mr. Chris Howard
Head of Accident & Health Business Unit - US
70
8 Ms. Laurence Maurice
Chief Executive Officer of Latin America & Member of the Executive Committee
70
9 Mr. Ericson Chan
Group Chief Information & Digital Officer and Member of the Executive Committee
70
10 Mr. Kristof Frans Rosa Terryn
Chief Executive Officer of North America & Member of the Executive Committee
70

Zurich Insurance Group AG Competitors

Swiss Re AG Logo
Swiss Re AG

SREN.SW

(1.5)
Novartis AG Logo
Novartis AG

NOVN.SW

(2.5)
Swiss Life Holding AG Logo
Swiss Life Holding AG

SLHN.SW

(2.8)
UBS Group AG Logo
UBS Group AG

UBSG.SW

(2.8)
Roche Holding AG Logo
Roche Holding AG

ROG.SW

(2.5)