Zurich Insurance Group AG

Zurich Insurance Group AG

0QP2.IL
Zurich Insurance Group AGGB flagInternational Order Book
591.30
CHF
+1.60
- -
87.01BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
488.78
491.99
406.54
451.05
426.96
318.83
485.34
397.32
467.69
301.55
537.67
599.11
621.88
451.04
Basic EPS, GAAP
27.33
26.68
12.37
21.51
20.03
25.1
28.01
25.85
34.99
26.7
29.95
40.48
47.68
21.51
Free Cash Flow per Basic Share
7.88
30.26
30.51
5.08
31.18
21.86
27.91
34.72
17.43
30.36
47.69
50.36
38.03
5.08
Dividend per Share
19.6
19.98
19.26
18.54
19.27
20.36
20.51
21.79
23.77
25.38
28.34
31.1
35.64
0.84
Book Value per Share
220.24
234.15
209.02
205.22
220.14
205
236.42
257.77
196.38
174.08
172.65
179.02
200.42
205.22
Tangible Book Value per Share
160.07
177.43
161.56
154.25
165.95
149.29
175.85
194.85
123.2
100.17
92.58
98.67
112.96
154.25
Basic Weighted Avg Shares
147
148
149
149
150
148
148
148
149
148
145
144
143
149
Sales/Revenue/Turnover
72,048
72,830
60,558
67,335
64,044
47,203
71,847
58,924
69,539
44,763
78,098
86,046
88,670
67,336
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,198
1,012
1,200
781
936
898
967
911
849
756
852
911
858
781
Net Income, GAAP
4,028
3,949
1,842
3,211
3,004
3,716
4,147
3,834
5,202
3,964
4,351
5,814
6,798
3,211
Effective Tax Rate (%)
28.54
28.31
38.74
34.64
35.43
22.19
28.13
24.52
23.01
20.02
26.96
26.71
28.29
34.62
Profit Margin (%)
5.59
5.42
3.04
4.77
4.69
7.87
5.77
6.51
7.48
8.86
5.57
6.76
7.67
4.77
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
12,386
10,876
10,221
10,862
10,365
11,097
13,171
15,480
15,109
15,100
13,984
14,064
15,469
10,862
Total Equity
34,734
36,830
32,903
32,473
34,893
31,802
36,549
39,846
30,409
26,930
26,279
26,938
30,166
32,473
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.66
8.43
4.11
7.32
6.56
8.33
8.83
7.31
10.51
9.02
10.23
13.83
15.42
7.32
Return on Common Equity (%)
12.02
11.75
5.59
10.39
9.43
11.75
12.72
10.46
15.44
14.47
17.22
23.1
25.18
10.39

Capital Structure

FRC

in mil. unless spec.
Jun'16
Sep'16
Dec'16
ST Debt
- -
- -
891
LT Borrowings
10,686
11,692
10,862
LT Finance Leases
- -
- -
541
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
149
149
149
Market Capitalization
36,423
38,169
41,148

Working Capital

FRC

in mil. unless spec.
Jun'16
Sep'16
Dec'16
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
749
1,010
29,098
Accounts Receivable, Net
20,661
19,374
9,431
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
891
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.18%
-4.61%
11.98%
Free Cash Flow
51.25%
11.47%
-25.02%
Net Income, GAAP
16.78%
14.44%
16.92%
Sales/Revenue/Turnover
8.43%
14.02%
3.05%
Total Cash Common Dividend
5.99%
9.5%
13.77%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
78,098
2024
- -
- -
- -
- -
86,046
2025
- -
- -
- -
- -
88,670

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
29.95
2024
- -
- -
- -
- -
40.48
2025
- -
- -
- -
- -
47.68

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
28.34
2024
- -
- -
- -
- -
31.1
2025
- -
- -
- -
- -
35.64

Company Description

APIChatGPT
CEO
Mario Greco
Full Time Employees
60,000
Sector
Financial Services
Industry
Insurance - Diversified
Address
Mythenquai 2 Zurich ZH Switzerland 8002
IPO Date
Mar 17, 2014
Website
zurich.com
Business
Zurich Insurance Group AG engages in the provision of general and life insurance products and related services worldwide, operating as a diversified insurer with a strong focus on core markets in Europe, the Americas, and Asia-Pacific. The group underwrites property and casualty insurance, motor and health coverages, and life and savings products; it offers risk management, underwriting, and claims services; provides reinsurance and specialty lines through affiliated and partner channels; and delivers digital platforms and underwriting tools to support distribution and policy administration. Primary business activity centers on designing, pricing, distributing, and servicing insurance and reinsurance products for individual, corporate, and institutional clients through a multi-channel network of brokers, agents, bancassurance partners, and direct channels. Zurich emphasizes enterprise risk management, actuarial analytics, and customer-centric product development across its geographic footprint. Founding year and headquarters: founded in 1872; headquarters located in Zurich, Switzerland. Geographic operations span Europe, North and South America, Asia-Pacific, the Middle East, and Africa, with a diversified mix of regional subsidiaries, branches, and joint ventures. Main products and services are organized into property and casualty insurance; life and health insurance; personal, commercial, and specialty lines; group and voluntary employee benefits; asset management services; and services for risk engineering, claims administration, and advisory risk solutions. Industry segments include Global Property & Casualty Insurance, Global Life Insurance, and Asset Management, with distribution through bancassurance, brokers, agents, direct channels, and digital marketplaces. The company maintains relationships with a broad client base including individuals, small and medium-sized enterprises, mid-to-large corporates, and public sector entities, offering tailored risk solutions, long-term savings products, and comprehensive insurance programs. Subsidiaries and parent relationships exist within its group structure, with Zurich Insurance Group AG serving as the parent company and brand umbrella for regional insurers and linked entities. Latest major changes include strategic partnerships and alliances in various markets, ongoing product innovations, potential organizational realignments to enhance digital capabilities, and expansion initiatives in growth markets; the group continuously updates its portfolio through acquisitions, divestitures, and collaboration with distribution partners to expand market reach and product capabilities.