ZURN Stock Analysis: Zurich Insurance | SW
Insurance - Diversified | SW, Switzerland | Market Cap: 93.057m CHF | 12M Return: 19.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 135M
Rev. Trend: 76.7%
Qual. Beats: 12
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Zurich Insurance Group AG is a global multi-line insurer headquartered in Zurich, Switzerland, operating across Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company is structured around three reportable segments: Property & Casualty Regions, Life Regions, and Farmers, the last of which provides non-claims and ancillary services to the Farmers Exchanges through a management agreement. Zurich offers a broad portfolio spanning motor, home, travel, life, critical illness, and general liability cover for individuals, alongside commercial and specialty lines such as energy, marine, cyber, professional indemnity, and credit and surety for small businesses, mid-sized firms, and multinational corporations. Distribution is carried out through agents, brokers, and bank channels, and the company complements its underwriting business with savings, investment, pension planning, and risk services including climate resilience, captive, reinsurance, and risk engineering.
Zurich was founded in 1872 and is listed on the Swiss exchange under ticker ZURN, classified within the Financials sector as a multi-line insurer. The Farmers segment reflects a notable feature of the global insurance landscape, namely the reciprocal exchange model, in which a management company such as Zurich provides operational services to a policyholder-owned exchange that underwrites the insurance.
- Farmers segment fee income drives consistent earnings growth
- P&C underwriting margins expand on sustained commercial rate hardening
- Catastrophe losses and climate risk weigh on combined ratio outlook
- Life savings revenues pressured by Swiss and European rate cuts
| Net Income: 8.70b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 2.17 > 1.0 |
| NWC/Revenue: 10.78% < 20% (prev -21.79%; Δ 32.57% < -1%) |
| CFO/TA 0.04 > 3% & CFO 19.7b > Net Income 8.70b |
| Net Debt (13.2b) to EBITDA (57.3b): 0.23 < 3 |
| Current Ratio: 1.54 > 1.5 & < 3 |
| Outstanding Shares: last quarter (144.3m) vs 12m ago 0.05% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 25.80% > 50% (prev 19.19%; Δ 6.61% > 0%) |
| Interest Coverage Ratio: 117.2 > 6 (EBIT TTM 56.5b / Interest Expense TTM 481.9m) |
| A: 0.02 (Total Current Assets 32.2b - Total Current Liabilities 20.9b) / Total Assets 455b |
| B: 0.08 (Retained Earnings 35.8b / Total Assets 455b) |
| C: 0.14 (EBIT TTM 56.5b / Avg Total Assets 406b) |
| D: 0.07 (Book Value of Equity 28.5b / Total Liabilities 425b) |
| Altman-Z'' = 1.42 = BB |
| DSRI: 3.0 (Receivables 25.1b/3.77b, Revenue 105b/68.7b) |
| GMI: 0.97 (GM 96.53% / 100.0%) |
| AQI: 0.94 (AQ_t 0.92 / AQ_t-1 0.98) |
| SGI: 1.53 (Revenue 105b / 68.7b) |
| TATA: -0.02 (NI 8.70b - CFO 19.7b) / TA 455b) |
| Beneish M = -1.07 (Cap -4..+1) = D |
As of July 28, 2026, the stock is trading at CHF 623.60 with a total of 224,000 shares traded. Over the past week, the price has changed by +0.61%, over one month by +5.23%, over three months by +15.31% and over the past year by +19.07%.
Current recommended Stop Loss: 612.10 (which is 1.8% or 1.5 ATR below the current price).
Zurich Insurance has no consensus analysts rating.
Market Cap USD = 114b (93.1b CHF * 1.2277 CHF.USD)
P/E Trailing = 16.2324
P/E Forward = 18.3824
P/S = 1.2733
P/B = 3.984
P/EG = 12.265
Revenue TTM = 105b USD
EBIT TTM = 56.5b USD
EBITDA TTM = 57.3b USD
Long Term Debt = 14.0b USD (from longTermDebt, last quarter)
Short Term Debt = 3.81b USD (from shortTermDebt, last quarter)
Debt = 20.3b USD (from shortLongTermDebtTotal, last quarter) + Leases 1.66b
Net Debt = 13.2b USD (calculated: Debt 20.3b - CCE 7.09b)
Enterprise Value = 127b USD (114b + Debt 20.3b - CCE 7.09b)
Interest Coverage Ratio = 117.2 (Ebit TTM 56.5b / Interest Expense TTM 481.9m)
EV/FCF = 6.69x (Enterprise Value 127b / FCF TTM 19.1b)
FCF Yield = 14.95% (FCF TTM 19.1b / Enterprise Value 127b)
FCF Margin = 18.17% (FCF TTM 19.1b / Revenue TTM 105b)
Net Margin = 8.29% (Net Income TTM 8.70b / Revenue TTM 105b)
Gross Margin = unknown ((Revenue TTM 105b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.28 (Enterprise Value 127b / Total Assets 455b)
Interest Expense / Debt = 2.37% (Interest Expense 481.9m / Debt 20.3b)
Taxrate = 28.41% (3.65b / 12.8b)
NOPAT = 40.4b (EBIT 56.5b * (1 - 28.41%))
Current Ratio = 1.54 (Total Current Assets 32.2b / Total Current Liabilities 20.9b)
Debt / Equity = 0.71 (Debt 20.3b / totalStockholderEquity, last quarter 28.5b)
Debt / EBITDA = 0.23 (Net Debt 13.2b / EBITDA 57.3b)
Debt / FCF = 0.69 (Net Debt 13.2b / FCF TTM 19.1b)
Total Stockholder Equity = 26.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.14% (Net Income 8.70b / Total Assets 455b)
RoE = 32.68% (Net Income TTM 8.70b / Total Stockholder Equity 26.6b)
RoCE = 139.0% (EBIT 56.5b / Capital Employed (Equity 26.6b + L.T.Debt 14.0b))
RoIC = 9.35% (NOPAT 40.4b / Invested Capital 432b)
WACC = 5.56% (E(114b)/V(135b) * Re(6.25%) + D(20.3b)/V(135b) * Rd(2.37%) * (1-Tc(0.28)))
Discount Rate = 6.25% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -81.15 | Cagr: -0.44%
[DCF] Terminal Value 77.97% ; FCFF base≈14.3b ; Y1≈16.4b ; Y5≈24.2b
[DCF] Fair Price = 2.35k (EV 364b - Net Debt 13.2b = Equity 350b / Shares 149.4m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: 76.73 | Revenue CAGR: 13.07% | SUE: 4.0 | # QB: 12
EPS current Quarter (2026-06-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2026-12-31): EPS=36.84 | Chg30d=-0.97% | Revisions=+12% | GrowthEPS=+0.7% | GrowthRev=+12.3%
EPS next Year (2027-12-31): EPS=43.24 | Chg30d=+0.44% | Revisions=+17% | GrowthEPS=+17.4% | GrowthRev=+9.3%
[Analyst] Revisions Ratio: +18% (up=5, down=3)