Zurich Insurance Group AG
Financial ratios & Valuation

Forward Multiples (2025 – 2028)

2025202620272028
Price/Earnings ratio
16.7015.7814.5314.78
Price/Sales ratio
N/AN/AN/AN/A
Earnings per Share (EPS)
$42.98$45.51$49.39$48.58

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
11.7520.7512.8715.1111.8415.0218.3914.0719.2317.2217.6011.84
Price/Sales ratio
0.630.630.610.700.930.861.201.041.841.071.080.93
Price/Book Value ratio
1.331.221.341.371.451.781.841.932.863.013.561.45
Price/Cash Flow ratio
7.927.3228.068.7110.0312.7512.3723.1215.0110.2010.9010.03
Price/Free Cash Flow ratio
10.368.4154.549.7013.6015.0813.6928.2616.9110.8111.1915.08
Price/Earnings Growth ratio
-4.94-0.380.17-2.180.461.03-4.060.50-0.902.200.171.03
Dividend Yield
6.36%7.50%6.69%6.36%6.85%4.64%4.63%4.37%4.76%5.17%4.83%4.83%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%161.35%100%
Operating Profit Margin
9.08%6.66%8.83%9.02%12.04%6.56%5.63%6.77%15.64%-0.10%59.42%12.04%
Pretax Profit Margin
8.02%5.51%7.90%8.00%10.82%8.46%9.20%10.44%14.96%9.24%9.53%8.46%
Net Profit Margin
5.42%3.04%4.76%4.69%7.87%5.75%6.54%7.42%9.56%6.22%6.34%5.75%
Effective Tax Rate
28.57%38.74%34.63%35.43%22.19%28.13%24.52%25.88%20.63%26.95%28.21%22.19%
Return on Assets
0.97%0.48%0.83%0.71%0.93%1.02%0.87%1.19%1.04%1.20%1.36%0.93%
Return On Equity
11.36%5.90%10.47%9.08%12.30%11.84%10.01%13.73%14.88%17.50%19.94%12.30%
Return on Capital Employed
1.63%1.06%1.56%1.37%1.44%1.17%0.75%1.09%1.71%-0.02%12.77%1.44%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
0.750.820.153.739.9425.8125.80713.81581.190.27N/A25.81
Cash ratio
0.750.820.153.739.949.3311.0138.6539.370.25N/A9.33
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.020.030.030.020.020.020.030.030.040.030.030.02
Debt Equity Ratio
0.340.410.380.340.330.330.360.390.580.550.490.33
Long-term Debt to Capitalization
0.250.250.270.250.250.240.260.280.360.350.330.25
Total Debt to Capitalization
0.250.290.270.250.250.240.260.280.360.350.330.25
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A99.11N/A
Cash Flow to Debt Ratio
0.480.400.120.460.430.420.400.200.320.530.650.43
Company Equity Multiplier
11.7012.2512.4812.7613.0911.5611.4711.5014.1814.5314.8313.09
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.080.080.020.080.090.060.090.040.120.100.100.09
Free Cash Flow / Operating Cash Flow Ratio
0.760.870.510.890.730.840.900.810.880.940.940.73
Cash Flow Coverage Ratio
0.480.400.120.460.430.420.400.200.320.530.650.43
Short Term Coverage Ratio
N/A2.63N/AN/AN/AN/AN/AN/AN/A24.73N/AN/A
Dividend Payout Ratio
74.90%155.75%86.20%96.23%81.13%69.73%85.30%61.62%91.71%89.10%85.07%81.13%