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Zurich Insurance Group AG (DE:ZFI1)
FRANKFURT:ZFI1
Germany Market
ZFI1
Zurich Insurance Group AG
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Zurich Insurance Group AG (ZFI1) Ratios

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Zurich Insurance Group AG Ratios

DE:ZFI1's free cash flow for Q2 2026 was $0.47. For the 2026 fiscal year, DE:ZFI1's free cash flow was decreased by $ and operating cash flow was $0.10. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.00 0.00 200.49 595.98
Quick Ratio
 0.00 0.00 0.00 200.49 595.98
Cash Ratio
 0.00 0.00 0.00 14.56 39.38
Solvency Ratio
 0.03 0.02 0.02 0.02 0.01
Operating Cash Flow Ratio
 0.00 0.00 0.00 14.69 26.45
Short-Term Operating Cash Flow Coverage
 25.58 5.98 44.72 24.73 26.45
Net Current Asset Value
$ -355.28B$ -392.72B$ -327.30B$ -234.86B$ -235.44B
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.04 0.04 0.04 0.04
Debt-to-Equity Ratio
 0.49 0.65 0.57 0.62 0.61
Debt-to-Capital Ratio
 0.33 0.40 0.36 0.38 0.38
Long-Term Debt-to-Capital Ratio
 0.31 0.32 0.33 0.35 0.38
Financial Leverage Ratio
 13.42 15.96 14.05 14.54 14.71
Debt Service Coverage Ratio
 4.15 2.00 12.39 8.00 8.64
Interest Coverage Ratio
 94.16 21.83 19.24 14.16 12.10
Debt to Market Cap
 0.15 0.16 0.15 0.36 0.44
Interest Debt Per Share
 5.40 6.71 5.13 10.87 10.86
Net Debt to EBITDA
 0.72 1.02 0.78 1.05 1.23
Profitability Margins
Gross Profit Margin
80.70%100.00%97.23%96.94%75.45%
EBIT Margin
7.94%11.97%10.35%8.85%13.00%
EBITDA Margin
8.53%12.92%11.41%9.94%14.69%
Operating Profit Margin
33.42%11.45%9.84%8.27%12.00%
Pretax Profit Margin
11.40%11.45%9.84%8.27%12.01%
Net Profit Margin
7.65%7.75%6.76%5.57%8.86%
Continuous Operations Profit Margin
8.10%8.21%7.21%6.04%9.60%
Net Income Per EBT
67.09%67.71%68.68%67.37%73.76%
EBT Per EBIT
34.11%100.00%99.99%100.03%100.02%
Return on Assets (ROA)
2.56%1.50%1.62%1.20%1.05%
Return on Equity (ROE)
36.04%23.96%22.83%17.50%15.43%
Return on Capital Employed (ROCE)
11.19%2.22%2.36%1.79%1.42%
Return on Invested Capital (ROIC)
7.93%1.58%1.73%0.82%1.73%
Return on Tangible Assets
2.64%1.54%1.68%1.24%1.08%
Earnings Yield
10.82%6.30%6.76%11.37%11.16%
Efficiency Ratios
Receivables Turnover
 5.39 3.51 22.82 5.48 3.16
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 -0.02 0.00 0.00
Fixed Asset Turnover
 69.02 41.67 46.09 37.33 20.12
Asset Turnover
 0.33 0.19 0.24 0.22 0.12
Working Capital Turnover Ratio
 8.58 4.90 1.66 0.73 0.33
Cash Conversion Cycle
 67.69 104.11 -23.24K 66.65 115.58
Days of Sales Outstanding
 67.69 104.11 16.00 66.65 115.58
Days of Inventory Outstanding
 0.00 0.00 -23.25K 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 67.69 104.11 -23.24K 66.65 115.58
Cash Flow Ratios
Operating Cash Flow Per Share
 11.11 7.99 2.63 5.02 3.42
Free Cash Flow Per Share
 10.86 7.82 2.50 4.73 3.04
CapEx Per Share
 0.25 0.17 0.13 0.29 0.39
Free Cash Flow to Operating Cash Flow
 0.98 0.98 0.95 0.94 0.89
Dividend Paid and CapEx Coverage Ratio
 3.78 4.40 1.57 1.62 1.24
Capital Expenditure Coverage Ratio
 43.79 47.20 20.55 17.57 8.88
Operating Cash Flow Coverage Ratio
 2.12 1.22 0.53 0.48 0.32
Operating Cash Flow to Sales Ratio
 0.23 0.26 0.09 0.09 0.11
Free Cash Flow Yield
31.57%20.55%8.41%18.11%12.69%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.12 15.85 14.67 8.79 8.96
Price-to-Sales (P/S) Ratio
 0.72 1.23 1.00 0.49 0.79
Price-to-Book (P/B) Ratio
 3.18 3.80 3.38 1.54 1.38
Price-to-Free Cash Flow (P/FCF) Ratio
 3.17 4.87 11.89 5.52 7.88
Price-to-Operating Cash Flow Ratio
 3.05 4.76 11.31 5.21 6.99
Price-to-Earnings Growth (PEG) Ratio
 0.11 0.81 0.09 0.74 -0.38
Price-to-Fair Value
 3.18 3.80 3.38 1.54 1.38
Enterprise Value Multiple
 9.14 10.54 9.54 5.98 6.64
Enterprise Value
 109.91B 120.02B 93.65B 46.43B 43.62B
EV to EBITDA
 9.13 10.54 9.54 5.98 6.64
EV to Sales
 0.78 1.36 1.09 0.59 0.97
EV to Free Cash Flow
 3.44 5.39 12.95 6.70 9.68
EV to Operating Cash Flow
 3.36 5.27 12.32 6.32 8.59
Tangible Book Value Per Share
 7.05 6.21 5.35 10.08 11.46
Shareholders’ Equity Per Share
 10.67 10.00 8.80 16.99 17.30
Tax and Other Ratios
Effective Tax Rate
 0.29 0.28 0.27 0.27 0.20
Revenue Per Share
 47.92 30.92 29.71 53.36 30.16
Net Income Per Share
 3.67 2.40 2.01 2.97 2.67
Tax Burden
 0.67 0.68 0.69 0.67 0.74
Interest Burden
 1.44 0.96 0.95 0.93 0.92
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.01 0.00 0.04 0.00 0.19
Stock-Based Compensation to Revenue
 <0.01 0.00 0.00 0.00 <0.01
Income Quality
 3.03 3.33 1.31 1.69 1.10
Currency in USD