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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 1.19
ZFSVF's Cash to Debt is ranked higher than
79% of the 155 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.74 vs. ZFSVF: 1.19 )
ZFSVF' s 10-Year Cash to Debt Range
Min: 0.67   Max: 2.3
Current: 1.19

0.67
2.3
Equity to Asset 0.08
ZFSVF's Equity to Asset is ranked higher than
74% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. ZFSVF: 0.08 )
ZFSVF' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.08

0.06
0.1
Interest Coverage 5.44
ZFSVF's Interest Coverage is ranked higher than
75% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.76 vs. ZFSVF: 5.44 )
ZFSVF' s 10-Year Interest Coverage Range
Min: 1.94   Max: 10.13
Current: 5.44

1.94
10.13
F-Score: 4
Z-Score: 0.37
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 8.27
ZFSVF's Operating margin (%) is ranked higher than
84% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.75 vs. ZFSVF: 8.27 )
ZFSVF' s 10-Year Operating margin (%) Range
Min: -8.69   Max: 13.72
Current: 8.27

-8.69
13.72
Net-margin (%) 5.59
ZFSVF's Net-margin (%) is ranked higher than
82% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.79 vs. ZFSVF: 5.59 )
ZFSVF' s 10-Year Net-margin (%) Range
Min: -8.34   Max: 10.49
Current: 5.59

-8.34
10.49
ROE (%) 11.60
ZFSVF's ROE (%) is ranked higher than
90% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.04 vs. ZFSVF: 11.60 )
ZFSVF' s 10-Year ROE (%) Range
Min: -20.04   Max: 19.77
Current: 11.6

-20.04
19.77
ROA (%) 0.97
ZFSVF's ROA (%) is ranked higher than
79% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.72 vs. ZFSVF: 0.97 )
ZFSVF' s 10-Year ROA (%) Range
Min: -1.18   Max: 1.49
Current: 0.97

-1.18
1.49
ROC (Joel Greenblatt) (%) 399.00
ZFSVF's ROC (Joel Greenblatt) (%) is ranked higher than
93% of the 132 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 153.52 vs. ZFSVF: 399.00 )
ZFSVF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -148.31   Max: 399
Current: 399

-148.31
399
EPS Growth (%) 5.00
ZFSVF's EPS Growth (%) is ranked higher than
83% of the 127 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.90 vs. ZFSVF: 5.00 )
ZFSVF' s 10-Year EPS Growth (%) Range
Min: -18.6   Max: 29.6
Current: 5

-18.6
29.6
» ZFSVF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 10.50
ZFSVF's P/E(ttm) is ranked higher than
84% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.90 vs. ZFSVF: 10.50 )
ZFSVF' s 10-Year P/E(ttm) Range
Min: 6.6   Max: 32.4
Current: 10.5

6.6
32.4
P/B 1.20
ZFSVF's P/B is ranked higher than
71% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.02 vs. ZFSVF: 1.20 )
ZFSVF' s 10-Year P/B Range
Min: 0.82   Max: 1.34
Current: 1.2

0.82
1.34
P/S 0.59
ZFSVF's P/S is ranked higher than
72% of the 156 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.51 vs. ZFSVF: 0.59 )
ZFSVF' s 10-Year P/S Range
Min: 0.36   Max: 3.04
Current: 0.59

0.36
3.04
PFCF 36.10
ZFSVF's PFCF is ranked higher than
58% of the 101 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.40 vs. ZFSVF: 36.10 )
ZFSVF' s 10-Year PFCF Range
Min: 2.55   Max: 103.96
Current: 36.1

2.55
103.96
EV-to-EBIT 8.10
ZFSVF's EV-to-EBIT is ranked higher than
85% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.02 vs. ZFSVF: 8.10 )
ZFSVF' s 10-Year EV-to-EBIT Range
Min: 5   Max: 26.2
Current: 8.1

5
26.2
PEG 1.80
ZFSVF's PEG is ranked higher than
70% of the 81 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.41 vs. ZFSVF: 1.80 )
ZFSVF' s 10-Year PEG Range
Min: 0.09   Max: 1.8
Current: 1.8

0.09
1.8
Shiller P/E 11.10
ZFSVF's Shiller P/E is ranked higher than
89% of the 85 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.72 vs. ZFSVF: 11.10 )
ZFSVF' s 10-Year Shiller P/E Range
Min: 8.09   Max: 11.94
Current: 11.1

8.09
11.94

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 6.39
ZFSVF's Dividend Yield is ranked higher than
98% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.80 vs. ZFSVF: 6.39 )
ZFSVF' s 10-Year Dividend Yield Range
Min: 4.23   Max: 19.31
Current: 6.39

4.23
19.31
Dividend Payout 0.67
ZFSVF's Dividend Payout is ranked higher than
66% of the 104 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.38 vs. ZFSVF: 0.67 )
ZFSVF' s 10-Year Dividend Payout Range
Min: 0.43   Max: 0.72
Current: 0.67

0.43
0.72
Dividend growth (3y) 13.60
ZFSVF's Dividend growth (3y) is ranked higher than
93% of the 76 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -5.80 vs. ZFSVF: 13.60 )
ZFSVF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 23.9
Current: 13.6

0
23.9
Yield on cost (5-Year) 14.64
ZFSVF's Yield on cost (5-Year) is ranked higher than
99% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.80 vs. ZFSVF: 14.64 )
ZFSVF' s 10-Year Yield on cost (5-Year) Range
Min: 9.68   Max: 44.18
Current: 14.64

9.68
44.18
Share Buyback Rate -0.50
ZFSVF's Share Buyback Rate is ranked higher than
81% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. ZFSVF: -0.50 )
ZFSVF' s 10-Year Share Buyback Rate Range
Min: 1.5   Max: -20.1
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
ZFSVF's Price/Tangible Book is ranked higher than
72% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.60 vs. ZFSVF: 1.60 )
ZFSVF' s 10-Year Price/Tangible Book Range
Min: 1.39   Max: 2.01
Current: 1.6

1.39
2.01
Price/DCF (Projected) 0.90
ZFSVF's Price/DCF (Projected) is ranked higher than
66% of the 87 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.50 vs. ZFSVF: 0.90 )
ZFSVF' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.91
Current: 0.9

0.4
0.91
Price/Median PS Value 1.00
ZFSVF's Price/Median PS Value is ranked higher than
93% of the 137 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.12 vs. ZFSVF: 1.00 )
ZFSVF' s 10-Year Price/Median PS Value Range
Min: 0.75   Max: 2.58
Current: 1

0.75
2.58
Price/Peter Lynch Fair Value 0.70
ZFSVF's Price/Peter Lynch Fair Value is ranked higher than
88% of the 33 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.80 vs. ZFSVF: 0.70 )
ZFSVF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.35   Max: 0.72
Current: 0.7

0.35
0.72
Price/Graham Number 0.80
ZFSVF's Price/Graham Number is ranked higher than
81% of the 122 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.80 vs. ZFSVF: 0.80 )
ZFSVF' s 10-Year Price/Graham Number Range
Min: 0.71   Max: 0.92
Current: 0.8

0.71
0.92
Earnings Yield (Greenblatt) 12.40
ZFSVF's Earnings Yield (Greenblatt) is ranked higher than
87% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.20 vs. ZFSVF: 12.40 )
ZFSVF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.8   Max: 20.1
Current: 12.4

3.8
20.1
Forward Rate of Return (Yacktman) 19.38
ZFSVF's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 86 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 18.92 vs. ZFSVF: 19.38 )
ZFSVF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 19.9   Max: 107.5
Current: 19.38

19.9
107.5

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, AIZ, ING » details
Traded in other countries:ZURN.Switzerland, ZFI1.Germany, ZFIN.Germany
Zurich Insurance Group AG Ltd is an insurance-based financial services provider which was established in 1872, based in Zurich, Switzerland. The Company offers car insurance, home insurance, general liability insurance, life and critical illness insurance, savings and investments, pensions and retirement planning, and other products. The Company also provides property, casualty, workers' compensation, specialty, accident and health, corporate life and pensions, financial lines, construction, global energy, marine, motor fleet, and risk engineering insurance products, as well as captive and claims services. The Company distributes non-insurance products, such as mutual funds, mortgages, and other financial services products; and non-claims related management services to the Farmers Exchanges. The Company offers its products and services to individuals, small and mid-sized businesses, and large and multinational corporations through branch offices and representations. The company was formerly known as Zurich Financial Services Ltd and changed its name to Zurich Insurance Group AG in April 2012.

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