Zurich Insurance Group AG (ZFI1) Price & Analysis
ZFI1 Stock Chart & Stats
- Day’s Range
- EUR 33.00 - EUR 33.00
- 52-Week Range
- EUR 28.60 - EUR 33.90
- Previous Close
- EUR 33.30
- Volume
- 0
- Average Volume (3M)
- 56
- Market Cap
- EUR 99.72B
- Enterprise Value
- EUR 127.20B
- Total Cash (Recent Filing)
- EUR 6.72B
- Total Debt (Recent Filing)
- EUR 15.36B
- Price to Earnings (P/E)
- 10.2
- Beta
- 0.44
- Next Earnings
- Feb 11, 2027
- EPS Estimate
- 1.05
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.72%
Bulls Say, Bears Say
Bulls Say
Strong Free Cash Flow Generation
Zurich's material FCF increase to ~22.3B in 2025 and consistent conversion (~0.82–0.98x) show durable cash generation from underwriting and investments. Reliable FCF enhances capacity for dividends, buybacks, capital buffers, and reinvestment across insurance cycles over the next 2–6 months.
Improving Margins And Operating Profitability
Sustained expansion in net and EBIT margins through 2025 reflects better pricing, expense control, or portfolio mix, pointing to structurally improved underwriting and operational efficiency. Higher margins increase earnings resilience and support capital generation across business cycles.
Diversified Multi-line Business And Distribution
Zurich's product and channel diversity (commercial and personal P&C, life products, Farmers-related U.S. activities, brokers, bancassurance and direct/digital channels) spreads risk, supports cross-selling, and reduces dependence on any single market or distribution route, strengthening long-term revenue stability.
Bears Say
Revenue Volatility Across Years
Sharp swings in reported revenue, including a big rebound in 2025 and a prior steep decline, indicate exposure to cyclical underwriting results, reserve adjustments, or portfolio changes. This volatility complicates forecasting and can pressure capital and pricing over a medium-term horizon.
Rising Leverage Trend
An upward drift in debt-to-equity into 2025 reduces financial flexibility and increases sensitivity to underwriting losses or investment mark-to-market moves. Higher leverage can constrain capital actions and requires closer monitoring of solvency metrics under adverse scenarios.
Exposure To Underwriting And Investment Swings
Zurich's earnings depend on underwriting discipline and investment performance; catastrophe losses, claims inflation, or adverse long-duration asset returns can dent underwriting profits and reserves. Structural sensitivity to these factors can pressure profitability and capital through cycles.
Zurich Insurance Group AG News
ZFI1 FAQ
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Zurich Insurance Group AG Stock Smart Score
Company Description
Zurich Insurance Group AG
Zurich Insurance Group AG is a holding company, which engages in the provision of insurance products and related services. It operates through the following segments: Property and Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses. The Property and Casualty Regions segment provides motor, home, and commercial products and services for individuals, as well as small and large businesses on both a local and global basis. The Life Regions segment includes comprehensive range of life and health insurance products on both an individual and a group basis including annuities, endowment and term insurance, unit-linked and investment-oriented products, as well as full private health, supplemental health, and long-term care insurance. The Farmers segment focuses on non-claims administrative and management services to the Farmers Exchanges, which are owned by policyholders. The Group Functions and Operations segment is involved in group’s holding and financing and headquarters activities. The Non-Core Businesses segment offers insurance and reinsurance businesses. The company was founded in 1872 and is headquartered in Zurich, Switzerland.
- Sector
- Financial
- Industry
- Insurance - Diversified
- CEO
- Mario Greco
- Employees
- 59,573
- Website
- www.zurich.com
- Address
- Mythenquai 2, Zurich, ZH, 8002, CH
Zurich Insurance Group AG (ZFI1) Earnings & Revenues
ZFI1 Company Deck
ZFI1 Earnings Call
Earnings Call SentimentPositive
Zurich's earnings call highlighted strong overall performance with record profits and growth across segments, demonstrating financial resilience. However, challenges were noted in the liability market and certain areas of expense management, alongside some regional sales pressures.
View all DE:ZFI1 earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 3 | 3 |
| Technical Analysis | 3 | 3 | 3 |
| Moving Averages | 12 | 0 | 0 |