Zurich Insurance Group AG
Financial ratios & Valuation

Forward Multiples (2025 – 2028)

2025202620272028
Price/Earnings ratio
8.488.037.367.48
Price/Sales ratio
N/AN/AN/AN/A
Earnings per Share (EPS)
$4.28$4.52$4.93$4.85

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
5.8410.356.417.595.937.318.216.288.950.870.887.31
Price/Sales ratio
0.310.310.300.350.460.420.530.460.850.051.100.46
Price/Book Value ratio
0.660.610.670.690.730.860.820.861.330.150.180.86
Price/Cash Flow ratio
3.943.6513.974.385.026.215.5210.326.990.510.556.21
Price/Free Cash Flow ratio
5.154.1927.154.886.817.346.1112.627.870.5411.316.81
Price/Earnings Growth ratio
-2.66-0.190.08-1.080.230.63-1.000.17-0.370.000.000.63
Dividend Yield
12.80%15.03%13.44%12.66%13.66%9.28%9.77%9.77%9.93%102.08%4.91%9.28%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%30.67%98.00%100%
Operating Profit Margin
9.08%6.66%8.83%9.02%12.04%6.56%5.63%6.77%15.64%14.67%77.41%12.04%
Pretax Profit Margin
8.02%5.51%7.90%8.00%10.82%8.46%9.20%10.44%14.96%8.64%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%5.82%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%3.32%16.64%1.44%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
0.750.820.153.739.9425.8125.80713.81581.190.21N/A25.81
Cash ratio
0.750.820.153.739.949.3311.0138.6539.370.22N/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
0.020.020.030.020.030.030.030.030.040.040.030.03
Debt Equity Ratio
0.340.320.420.320.410.350.360.390.580.590.490.41
Long-term Debt to Capitalization
0.250.200.270.210.290.240.260.280.360.330.330.29
Total Debt to Capitalization
0.250.240.300.240.290.250.260.280.360.370.330.29
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
0.480.510.110.480.350.390.400.200.320.490.650.35
Company Equity Multiplier
11.7012.2512.4812.7613.0911.5611.4711.5014.1814.5314.8313.09
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.080.080.020.080.090.060.090.040.120.090.100.09
Free Cash Flow / Operating Cash Flow Ratio
0.760.870.510.890.730.840.900.810.880.940.940.73
Cash Flow Coverage Ratio
0.480.510.110.480.350.390.400.200.320.490.650.35
Short Term Coverage Ratio
N/A2.631.052.67N/A7.41N/AN/AN/A3.23N/A7.41
Dividend Payout Ratio
74.90%155.75%86.20%96.23%81.13%67.95%80.33%61.49%88.97%89.10%85.07%81.13%