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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 : 6/10

vs
industry
vs
history
Cash to Debt 2.11
ZFSVF's Cash to Debt is ranked lower than
69% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 235.61 vs. ZFSVF: 2.11 )
Ranked among companies with meaningful Cash to Debt only.
ZFSVF' s 10-Year Cash to Debt Range
Min: 0.61  Med: 1.44 Max: N/A
Current: 2.11
Equity to Asset 0.09
ZFSVF's Equity to Asset is ranked lower than
78% of the 132 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. ZFSVF: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
ZFSVF' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.08 Max: 0.09
Current: 0.09
0.07
0.09
Interest Coverage 5.58
ZFSVF's Interest Coverage is ranked lower than
88% of the 105 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 317.00 vs. ZFSVF: 5.58 )
Ranked among companies with meaningful Interest Coverage only.
ZFSVF' s 10-Year Interest Coverage Range
Min: 1.94  Med: 4.84 Max: 10.13
Current: 5.58
1.94
10.13
F-Score: 7
WACC vs ROIC
8.02%
17.64%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating margin (%) 8.07
ZFSVF's Operating margin (%) is ranked lower than
60% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.89 vs. ZFSVF: 8.07 )
Ranked among companies with meaningful Operating margin (%) only.
ZFSVF' s 10-Year Operating margin (%) Range
Min: -8.69  Med: 8.14 Max: 13.72
Current: 8.07
-8.69
13.72
Net-margin (%) 5.34
ZFSVF's Net-margin (%) is ranked lower than
63% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.32 vs. ZFSVF: 5.34 )
Ranked among companies with meaningful Net-margin (%) only.
ZFSVF' s 10-Year Net-margin (%) Range
Min: -8.34  Med: 5.59 Max: 10.49
Current: 5.34
-8.34
10.49
ROE (%) 14.85
ZFSVF's ROE (%) is ranked higher than
74% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.47 vs. ZFSVF: 14.85 )
Ranked among companies with meaningful ROE (%) only.
ZFSVF' s 10-Year ROE (%) Range
Min: -18.08  Med: 12.01 Max: 21.29
Current: 14.85
-18.08
21.29
ROA (%) 1.24
ZFSVF's ROA (%) is ranked lower than
59% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.00 vs. ZFSVF: 1.24 )
Ranked among companies with meaningful ROA (%) only.
ZFSVF' s 10-Year ROA (%) Range
Min: -1.22  Med: 0.97 Max: 1.47
Current: 1.24
-1.22
1.47
ROC (Joel Greenblatt) (%) 677.70
ZFSVF's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 124 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 235.37 vs. ZFSVF: 677.70 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ZFSVF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -116.24  Med: 329.99 Max: 522.07
Current: 677.7
-116.24
522.07
Revenue Growth (3Y)(%) 12.10
ZFSVF's Revenue Growth (3Y)(%) is ranked higher than
71% of the 105 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.30 vs. ZFSVF: 12.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ZFSVF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -4.50 Max: 12.1
Current: 12.1
0
12.1
EBITDA Growth (3Y)(%) 11.90
ZFSVF's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 85 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. ZFSVF: 11.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ZFSVF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -5.70 Max: 27.3
Current: 11.9
0
27.3
EPS Growth (3Y)(%) 2.20
ZFSVF's EPS Growth (3Y)(%) is ranked lower than
74% of the 81 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.00 vs. ZFSVF: 2.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ZFSVF' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -5.00 Max: 32.2
Current: 2.2
0
32.2
» ZFSVF's 10-Y Financials

Financials


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 9.00
ZFSVF's P/E(ttm) is ranked higher than
79% of the 113 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.10 vs. ZFSVF: 9.00 )
Ranked among companies with meaningful P/E(ttm) only.
ZFSVF' s 10-Year P/E(ttm) Range
Min: 7.08  Med: 9.62 Max: 33.5
Current: 9
7.08
33.5
Forward P/E 11.92
ZFSVF's Forward P/E is ranked lower than
63% of the 46 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.78 vs. ZFSVF: 11.92 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.00
ZFSVF's PE(NRI) is ranked higher than
75% of the 113 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.10 vs. ZFSVF: 9.00 )
Ranked among companies with meaningful PE(NRI) only.
ZFSVF' s 10-Year PE(NRI) Range
Min: 7.03  Med: 9.62 Max: 33.5
Current: 9
7.03
33.5
P/B 1.24
ZFSVF's P/B is ranked lower than
55% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.17 vs. ZFSVF: 1.24 )
Ranked among companies with meaningful P/B only.
ZFSVF' s 10-Year P/B Range
Min: 0.87  Med: 1.20 Max: 1.43
Current: 1.24
0.87
1.43
P/S 0.48
ZFSVF's P/S is ranked higher than
75% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.06 vs. ZFSVF: 0.48 )
Ranked among companies with meaningful P/S only.
ZFSVF' s 10-Year P/S Range
Min: 0.38  Med: 0.56 Max: 3.15
Current: 0.48
0.38
3.15
PFCF 10.56
ZFSVF's PFCF is ranked lower than
54% of the 71 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.12 vs. ZFSVF: 10.56 )
Ranked among companies with meaningful PFCF only.
ZFSVF' s 10-Year PFCF Range
Min: 3.21  Med: 11.94 Max: 69.66
Current: 10.56
3.21
69.66
POCF 8.01
ZFSVF's POCF is ranked higher than
53% of the 95 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.39 vs. ZFSVF: 8.01 )
Ranked among companies with meaningful POCF only.
ZFSVF' s 10-Year POCF Range
Min: 1.27  Med: 9.90 Max: 42.75
Current: 8.01
1.27
42.75
EV-to-EBIT 4.73
ZFSVF's EV-to-EBIT is ranked higher than
75% of the 107 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.86 vs. ZFSVF: 4.73 )
Ranked among companies with meaningful EV-to-EBIT only.
ZFSVF' s 10-Year EV-to-EBIT Range
Min: 2.9  Med: 7.30 Max: 27.1
Current: 4.73
2.9
27.1
Shiller P/E 9.94
ZFSVF's Shiller P/E is ranked higher than
77% of the 56 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.69 vs. ZFSVF: 9.94 )
Ranked among companies with meaningful Shiller P/E only.
ZFSVF' s 10-Year Shiller P/E Range
Min: 7.15  Med: 9.23 Max: 11.42
Current: 9.94
7.15
11.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 6.00
ZFSVF's Dividend Yield is ranked higher than
80% of the 220 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.84 vs. ZFSVF: 6.00 )
Ranked among companies with meaningful Dividend Yield only.
ZFSVF' s 10-Year Dividend Yield Range
Min: 4.31  Med: 6.75 Max: 19.95
Current: 6
4.31
19.95
Dividend growth (3y) 2.70
ZFSVF's Dividend growth (3y) is ranked lower than
56% of the 43 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.30 vs. ZFSVF: 2.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
ZFSVF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 29.8
Current: 2.7
0
29.8
Yield on cost (5-Year) 6.00
ZFSVF's Yield on cost (5-Year) is ranked higher than
73% of the 217 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.47 vs. ZFSVF: 6.00 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ZFSVF' s 10-Year Yield on cost (5-Year) Range
Min: 4.31  Med: 6.75 Max: 19.95
Current: 6
4.31
19.95
Share Buyback Rate -0.60
ZFSVF's Share Buyback Rate is ranked lower than
58% of the 55 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.20 vs. ZFSVF: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
ZFSVF' s 10-Year Share Buyback Rate Range
Min: 0  Med: -0.60 Max: -20.1
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.59
ZFSVF's Price/Tangible Book is ranked lower than
61% of the 129 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.31 vs. ZFSVF: 1.59 )
Ranked among companies with meaningful Price/Tangible Book only.
ZFSVF' s 10-Year Price/Tangible Book Range
Min: 1.33  Med: 1.63 Max: 2.2
Current: 1.59
1.33
2.2
Price/Projected FCF 0.82
ZFSVF's Price/Projected FCF is ranked lower than
51% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.73 vs. ZFSVF: 0.82 )
Ranked among companies with meaningful Price/Projected FCF only.
ZFSVF' s 10-Year Price/Projected FCF Range
Min: 0.6  Med: 0.80 Max: 1.05
Current: 0.82
0.6
1.05
Price/Median PS Value 0.85
ZFSVF's Price/Median PS Value is ranked higher than
70% of the 110 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.96 vs. ZFSVF: 0.85 )
Ranked among companies with meaningful Price/Median PS Value only.
ZFSVF' s 10-Year Price/Median PS Value Range
Min: 0.72  Med: 0.98 Max: 4.74
Current: 0.85
0.72
4.74
Price/Peter Lynch Fair Value 0.64
ZFSVF's Price/Peter Lynch Fair Value is ranked higher than
81% of the 31 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. ZFSVF: 0.64 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ZFSVF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34  Med: 0.47 Max: 1.14
Current: 0.64
0.34
1.14
Price/Graham Number 0.77
ZFSVF's Price/Graham Number is ranked higher than
58% of the 96 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.84 vs. ZFSVF: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
ZFSVF' s 10-Year Price/Graham Number Range
Min: 0.71  Med: 0.80 Max: 1.21
Current: 0.77
0.71
1.21
Earnings Yield (Greenblatt) (%) 21.10
ZFSVF's Earnings Yield (Greenblatt) (%) is ranked higher than
78% of the 122 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.70 vs. ZFSVF: 21.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ZFSVF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.7  Med: 13.70 Max: 34.6
Current: 21.1
3.7
34.6
Forward Rate of Return (Yacktman) (%) 21.02
ZFSVF's Forward Rate of Return (Yacktman) (%) is ranked higher than
62% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.70 vs. ZFSVF: 21.02 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ZFSVF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 7.7  Med: 13.55 Max: 26.7
Current: 21.02
7.7
26.7

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, AIZ, ING » details
Traded in other countries:ZURN.Switzerland, 0QP2.UK, ZFIN.Germany, ZFI1.Germany,
Zurich Insurance Group AG Ltd was founded in Switzerland in 1872. The Company provides a range of general insurance and life insurance products and services to individuals, small businesses, and mid-sized and large companies, including multinational corporations, in more than 170 countries. 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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