Zurich Insurance Group AG stock analysis
Zurich Insurance Group AG (ZFI1) Stock Price & Analysis
ZFI1 Stock Chart & Stats
- Day’s Range
- EUR 34.10 - EUR 34.30
- 52-Week Range
- EUR 28.60 - EUR 34.90
- Previous Close
- EUR 34.20
- Volume
- N/A
- Average Volume (3M)
- 25
- Market Cap
- EUR 101.52B
- Enterprise Value
- EUR 127.20B
- Total Cash (Recent Filing)
- EUR 6.72B
- Total Debt (Recent Filing)
- EUR 15.36B
- Price to Earnings (P/E)
- 10.5
- Beta
- 0.44
- Next Earnings
- Feb 11, 2027 (Est.)
- EPS Estimate
- 0.79
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.54%
Bulls Say, Bears Say
Bulls Say
Improving Profitability
Rising net and operating margins indicate stronger earnings conversion and improved profitability across the business. If sustained, this creates greater capacity to absorb claims volatility, invest in distribution and technology, and support shareholder returns over the next several quarters.
Strong Cash Generation
The substantial increase in free cash flow, together with close alignment to net income, supports the quality of reported earnings. Strong internal cash generation can fund dividends, capital requirements, investment and growth initiatives without relying as heavily on external financing.
Diversified Insurance Platform
A global multi-line platform diversifies Zurich across customer groups, insurance products and distribution channels. This breadth can reduce reliance on any single market or business line, support cross-selling and provide a durable foundation for premium generation and risk diversification.
Bears Say
Revenue Volatility
The uneven multi-year revenue path shows that reported growth can fluctuate materially between periods. Such volatility makes forward earnings and capital planning less predictable, while also indicating that strong recent growth may not translate into a consistently smooth expansion over coming quarters.
Rising Leverage
Higher leverage reduces financial flexibility and increases sensitivity to changes in underwriting and investment outcomes. Although leverage is described as manageable, the recent upward trend could constrain capital allocation and make adverse insurance or portfolio movements more consequential.
Uneven Cash-Flow Metrics
Uneven operating cash flow complicates assessment of the durability and timing of cash generation, even with strong reported free cash flow. The zero coverage figure also creates a monitoring concern because it may signal weaker consistency in selected cash-flow or coverage measures.
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 | 5 | 2 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 11 | 0 | 1 |











