Zurich Insurance Group AG
Zurich Insurance Group AG Fundamental Analysis
Zurich Insurance Group AG (ZFSVF) shows strong financial fundamentals with a PE ratio of 14.74, profit margin of 7.55%, and ROE of 36.77%. The company generates $99.8B in annual revenue with strong year-over-year growth of 21.99%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 74.1/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze ZFSVF's fundamental strength across five key dimensions:
Efficiency Score
WeakZFSVF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentZFSVF trades at attractive valuation levels.
Growth Score
ExcellentZFSVF delivers strong and consistent growth momentum.
Financial Health Score
ModerateZFSVF shows balanced financial health with some risks.
Profitability Score
ModerateZFSVF maintains healthy but balanced margins.
Key Financial Metrics
Is ZFSVF Expensive or Cheap?
P/E Ratio
ZFSVF trades at 14.74 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ZFSVF's PEG of 0.15 indicates potential undervaluation.
Price to Book
The market values Zurich Insurance Group AG at 4.92 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 6.46 times EBITDA. This is generally considered low.
How Well Does ZFSVF Make Money?
Net Profit Margin
For every $100 in sales, Zurich Insurance Group AG keeps $7.55 as profit after all expenses.
Operating Margin
Core operations generate 33.28 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $36.77 in profit for every $100 of shareholder equity.
ROA
Zurich Insurance Group AG generates $2.09 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Zurich Insurance Group AG produces operating cash flow of $21.67B, showing steady but balanced cash generation.
Free Cash Flow
Zurich Insurance Group AG generates strong free cash flow of $21.14B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $148.55 in free cash annually.
FCF Yield
ZFSVF converts 23.99% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.74
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.15
vs 25 benchmark
P/B Ratio
Price to book value ratio
4.92
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.88
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.65
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.37
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How ZFSVF Stacks Against Its Sector Peers
| Metric | ZFSVF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.74 | 18.73 | Better (Cheaper) |
| ROE | 36.77% | 847.00% | Weak |
| Net Margin | 7.55% | 2562.00% | Weak |
| Debt/Equity | 0.65 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 2.09% | -21692.00% (disorted) | Weak |
ZFSVF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Zurich Insurance Group AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
11.16%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
44.50%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
60.45%
Industry Style: Value, Dividend, Cyclical
High Growth