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Also traded in: Germany, Switzerland, UK

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 : 5/10

vs
industry
vs
history
Cash to Debt 2.44
ZURVY's Cash to Debt is ranked lower than
70% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. ZURVY: 2.44 )
Ranked among companies with meaningful Cash to Debt only.
ZURVY' s Cash to Debt Range Over the Past 10 Years
Min: 0.61  Med: 1.67 Max: N/A
Current: 2.44
Equity to Asset 0.08
ZURVY's Equity to Asset is ranked lower than
85% of the 177 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. ZURVY: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
ZURVY' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.09
Current: 0.08
0.07
0.09
Interest Coverage 3.14
ZURVY's Interest Coverage is ranked lower than
88% of the 115 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 46.84 vs. ZURVY: 3.14 )
Ranked among companies with meaningful Interest Coverage only.
ZURVY' s Interest Coverage Range Over the Past 10 Years
Min: 1.94  Med: 4.53 Max: 9.12
Current: 3.14
1.94
9.12
F-Score: 4
M-Score: -2.88
WACC vs ROIC
10.07%
6.07%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 5.32
ZURVY's Operating margin (%) is ranked lower than
63% of the 174 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.20 vs. ZURVY: 5.32 )
Ranked among companies with meaningful Operating margin (%) only.
ZURVY' s Operating margin (%) Range Over the Past 10 Years
Min: 5.52  Med: 8.15 Max: 13.59
Current: 5.32
5.52
13.59
Net-margin (%) 2.82
ZURVY's Net-margin (%) is ranked lower than
71% of the 177 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.65 vs. ZURVY: 2.82 )
Ranked among companies with meaningful Net-margin (%) only.
ZURVY' s Net-margin (%) Range Over the Past 10 Years
Min: 3.04  Med: 5.55 Max: 10.35
Current: 2.82
3.04
10.35
ROE (%) 4.54
ZURVY's ROE (%) is ranked lower than
74% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.88 vs. ZURVY: 4.54 )
Ranked among companies with meaningful ROE (%) only.
ZURVY' s ROE (%) Range Over the Past 10 Years
Min: 5.65  Med: 11.90 Max: 20.67
Current: 4.54
5.65
20.67
ROA (%) 0.37
ZURVY's ROA (%) is ranked lower than
79% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.82 vs. ZURVY: 0.37 )
Ranked among companies with meaningful ROA (%) only.
ZURVY' s ROA (%) Range Over the Past 10 Years
Min: 0.47  Med: 0.97 Max: 1.45
Current: 0.37
0.47
1.45
Revenue Growth (3Y)(%) -2.80
ZURVY's Revenue Growth (3Y)(%) is ranked lower than
70% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.80 vs. ZURVY: -2.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ZURVY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.9  Med: -2.50 Max: 12.1
Current: -2.8
-23.9
12.1
EBITDA Growth (3Y)(%) -8.60
ZURVY's EBITDA Growth (3Y)(%) is ranked lower than
69% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.20 vs. ZURVY: -8.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ZURVY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.9  Med: 7.35 Max: 38.2
Current: -8.6
-20.9
38.2
EPS Growth (3Y)(%) -20.30
ZURVY's EPS Growth (3Y)(%) is ranked lower than
83% of the 112 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.20 vs. ZURVY: -20.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ZURVY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -26  Med: -1.40 Max: 29.4
Current: -20.3
-26
29.4
» ZURVY's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-06)


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

» Details

Guru Trades

Q2 2014

ZURVY Guru Trades in Q2 2014

David Dreman 2,084 sh (New)
» More
Q3 2014

ZURVY Guru Trades in Q3 2014

David Dreman 1,627 sh (-21.93%)
» More
Q4 2014

ZURVY Guru Trades in Q4 2014

David Dreman 1,126 sh (-30.79%)
» More
Q1 2015

ZURVY Guru Trades in Q1 2015

David Dreman Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with ZURVY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance » Insurance - Diversified
Compare:LSE:AV., MIL:G, TSX:SLF, NYSE:HIG » details
Traded in other countries:ZFIN.Germany, ZURN.Switzerland, 0QP2.UK,
Zurich Insurance Group AG offers general & life insurance products & services to individuals, small businesses & mid & large sized companies. It provides property, casualty, life, car, work compensation, motor fleet & construction insurance..

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.

Ratios

vs
industry
vs
history
P/E(ttm) 25.78
ZURVY's P/E(ttm) is ranked lower than
81% of the 159 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.69 vs. ZURVY: 25.78 )
Ranked among companies with meaningful P/E(ttm) only.
ZURVY' s P/E(ttm) Range Over the Past 10 Years
Min: 3.42  Med: 9.08 Max: 25.8
Current: 25.78
3.42
25.8
Forward P/E 10.54
ZURVY's Forward P/E is ranked higher than
50% of the 24 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.91 vs. ZURVY: 10.54 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 25.76
ZURVY's PE(NRI) is ranked lower than
82% of the 157 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.63 vs. ZURVY: 25.76 )
Ranked among companies with meaningful PE(NRI) only.
ZURVY' s PE(NRI) Range Over the Past 10 Years
Min: 3.39  Med: 9.07 Max: 25.77
Current: 25.76
3.39
25.77
Price/Owner Earnings (ttm) 23.24
ZURVY's Price/Owner Earnings (ttm) is ranked lower than
80% of the 83 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.71 vs. ZURVY: 23.24 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ZURVY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.55  Med: 9.30 Max: 23.24
Current: 23.24
5.55
23.24
P/B 1.20
ZURVY's P/B is ranked lower than
52% of the 177 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.13 vs. ZURVY: 1.20 )
Ranked among companies with meaningful P/B only.
ZURVY' s P/B Range Over the Past 10 Years
Min: 0.87  Med: 1.21 Max: 1.53
Current: 1.2
0.87
1.53
P/S 0.75
ZURVY's P/S is ranked higher than
62% of the 175 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.06 vs. ZURVY: 0.75 )
Ranked among companies with meaningful P/S only.
ZURVY' s P/S Range Over the Past 10 Years
Min: 0.38  Med: 0.59 Max: 3.15
Current: 0.75
0.38
3.15
PFCF 14.67
ZURVY's PFCF is ranked lower than
73% of the 96 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.15 vs. ZURVY: 14.67 )
Ranked among companies with meaningful PFCF only.
ZURVY' s PFCF Range Over the Past 10 Years
Min: 5.34  Med: 13.88 Max: 69.63
Current: 14.67
5.34
69.63
POCF 11.66
ZURVY's POCF is ranked lower than
68% of the 121 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.68 vs. ZURVY: 11.66 )
Ranked among companies with meaningful POCF only.
ZURVY' s POCF Range Over the Past 10 Years
Min: 5.12  Med: 12.25 Max: 42.74
Current: 11.66
5.12
42.74
EV-to-EBIT 8.97
ZURVY's EV-to-EBIT is ranked lower than
53% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.10 vs. ZURVY: 8.97 )
Ranked among companies with meaningful EV-to-EBIT only.
ZURVY' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.7  Med: 6.60 Max: 21.9
Current: 8.97
2.7
21.9
EV-to-EBITDA 6.76
ZURVY's EV-to-EBITDA is ranked higher than
58% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.35 vs. ZURVY: 6.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
ZURVY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.4  Med: 5.70 Max: 21.9
Current: 6.76
2.4
21.9
PEG 25.80
ZURVY's PEG is ranked lower than
95% of the 58 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.99 vs. ZURVY: 25.80 )
Ranked among companies with meaningful PEG only.
ZURVY' s PEG Range Over the Past 10 Years
Min: 0.31  Med: 1.64 Max: 58.57
Current: 25.8
0.31
58.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.22
ZURVY's Dividend Yield is ranked higher than
88% of the 259 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.31 vs. ZURVY: 7.22 )
Ranked among companies with meaningful Dividend Yield only.
ZURVY' s Dividend Yield Range Over the Past 10 Years
Min: 4.31  Med: 7.24 Max: 32.5
Current: 7.22
4.31
32.5
Dividend Payout 1.77
ZURVY's Dividend Payout is ranked lower than
93% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.49 vs. ZURVY: 1.77 )
Ranked among companies with meaningful Dividend Payout only.
ZURVY' s Dividend Payout Range Over the Past 10 Years
Min: 0.12  Med: 1.92 Max: 4.23
Current: 1.77
0.12
4.23
Dividend Growth (3y) -100.00
ZURVY's Dividend Growth (3y) is ranked lower than
97% of the 58 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.10 vs. ZURVY: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ZURVY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -50.00 Max: 29.8
Current: -100
0
29.8
Forward Dividend Yield 7.22
ZURVY's Forward Dividend Yield is ranked higher than
88% of the 249 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.88 vs. ZURVY: 7.22 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 7.21
ZURVY's Yield on cost (5-Year) is ranked higher than
76% of the 260 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.54 vs. ZURVY: 7.21 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ZURVY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.17  Med: 6.87 Max: 32.5
Current: 7.21
1.17
32.5
3-Year Average Share Buyback Ratio -4.70
ZURVY's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 83 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 vs. ZURVY: -4.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ZURVY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -19.9  Med: -0.70 Max: 1.7
Current: -4.7
-19.9
1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
ZURVY's Price/Tangible Book is ranked lower than
59% of the 174 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. ZURVY: 1.53 )
Ranked among companies with meaningful Price/Tangible Book only.
ZURVY' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.33  Med: 1.63 Max: 2.2
Current: 1.53
1.33
2.2
Price/Projected FCF 0.79
ZURVY's Price/Projected FCF is ranked lower than
63% of the 63 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.65 vs. ZURVY: 0.79 )
Ranked among companies with meaningful Price/Projected FCF only.
ZURVY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.69  Med: 0.96 Max: 1.1
Current: 0.79
0.69
1.1
Price/Median PS Value 1.27
ZURVY's Price/Median PS Value is ranked lower than
79% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.98 vs. ZURVY: 1.27 )
Ranked among companies with meaningful Price/Median PS Value only.
ZURVY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.68  Med: 1.02 Max: 4.5
Current: 1.27
0.68
4.5
Price/Graham Number 1.32
ZURVY's Price/Graham Number is ranked lower than
74% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. ZURVY: 1.32 )
Ranked among companies with meaningful Price/Graham Number only.
ZURVY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 0.83 Max: 1.31
Current: 1.32
0.52
1.31
Earnings Yield (Greenblatt) (%) 11.10
ZURVY's Earnings Yield (Greenblatt) (%) is ranked higher than
58% of the 168 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.70 vs. ZURVY: 11.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ZURVY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.6  Med: 15.10 Max: 37.7
Current: 11.1
4.6
37.7
Forward Rate of Return (Yacktman) (%) 9.40
ZURVY's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 52 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.03 vs. ZURVY: 9.40 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ZURVY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -4.4  Med: 11.50 Max: 27.5
Current: 9.4
-4.4
27.5

More Statistics

Revenue (TTM) (Mil) $51,489
EPS (TTM) $ 1.00
Beta1.10
Short Percentage of Float0.00%
52-Week Range $20.29 - 32.37
Shares Outstanding (Mil)1,492.46

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 56,553 48,466 47,487
EPS ($) 2.11 2.34 2.26
EPS without NRI ($) 2.11 2.34 2.26
EPS Growth Rate
(3Y to 5Y Estimate)
3.40%
» More Articles for ZURVY

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