Zurich Insurance Group AG

Zurich Insurance Group AG

ZFSVF
Zurich Insurance Group AGUS flagOther OTC
756.25
USD
+1.62
- -
112.96BMarket 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
190.54
213.55
229.62
239.96
246.31
253.05
259.78
263.15
235.52
237.96
226.17
235.57
251.05
239.95
Tangible Book Value per Share
175.39
191.96
173.36
166.51
178.36
159.4
186.32
205.67
131.54
107.95
101.55
107.96
124.3
166.51
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 (%)
10.17
9.15
4.11
6.7
5.96
7.41
7.94
7.03
9.87
7.67
8.47
11.56
13.08
6.7
Return on Common Equity (%)
15.34
13.23
5.6
9.17
8.26
9.99
10.92
9.9
14.05
11.27
12.76
17.44
19.53
9.17

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
36,844
38,605
41,346

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
59,573
Sector
Financial Services
Industry
Insurance - Diversified
Address
Mythenquai 2 Zurich ZH Switzerland 8002
IPO Date
Oct 8, 2010
Website
zurich.com
Business
Zurich Insurance Group AG is a global multi-line insurer providing a comprehensive range of insurance products and related services. The company operates primarily through three core segments: General Insurance, Global Life, and Farmers. Its General Insurance segment offers a broad portfolio including motor, home, and commercial insurance products targeting individuals, small businesses, and large corporations worldwide. The Global Life segment focuses on life and health insurance solutions including unit-linked products, protection, corporate benefits, annuities, term insurance, endowments, full private health, supplemental health, and long-term care insurance on both individual and group bases. The Farmers segment delivers non-claims administrative and management services to Farmers Exchanges and its affiliates. Zurich also provides risk prevention, control, and related consultancy services alongside its insurance offerings. The company serves customers in more than 200 countries and territories, supported by over 63,000 employees. Founded in 1872, Zurich is headquartered in Zurich, Switzerland. Recent strategic developments include Zurich's 2023-2025 plan to strengthen its commercial insurance franchise, improve retail profitability, and transform its Life Protection business into a global growth engine. Zurich is expanding its life insurance and protection products aiming to increase protection gross written premiums at a compound annual growth rate of 8%. The company is enhancing its retail customer experience to boost loyalty and financial impact while leveraging scale and technology to drive underwriting excellence and portfolio improvements. In late 2024, Zurich announced the acquisition of AIG’s global personal travel business, pending regulatory approval, which will position Zurich as a leading global travel insurer serving over 20 million customers and 200 distribution partners globally. Additionally, Zurich adjusted its 2024 reinsurance coverages, adding a $300 million top catastrophe layer for Europe and lowering its U.S. peril retention. Zurich primarily serves individual, corporate, and commercial customers across Europe, the Middle East, Africa, the Americas, and Asia Pacific. It maintains diverse product categories including property and casualty, life and health insurance, investment-oriented products, and specialty insurance services. The company also conducts holding and financing activities and operates certain non-core insurance and reinsurance businesses. Zurich remains focused on sustainable growth through innovation and transformation in underwriting, distribution, and operational efficiencies.

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