Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. As of today (2026-06-24), Zurich Insurance Group AG's Beta is 0.2699.
Zurich Insurance Group AG (HAM:ZFIN) Beta Explanation
Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole. We usually compare beta to 1. A beta of 1 indicates that the security's price will move with the market. A beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 indicates that the security's price will be more volatile than the market.
Beta is primarily used in the Capital Asset Pricing Model (CAPM) to calculate the Cost of Equity, which can be used in the calculation of WACC %. The formula of Cost of Equity is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Beta, along with its competitors' market caps and Beta data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zurich Insurance Group AG Beta vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Beta distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Beta falls into.
Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. A stock's beta can be calculated by dividing the product of the covariance of the individual stock's returns and the market's returns by the variance of the market's returns over a specified period. Basically, GuruFocus uses the returns calculated over three-year period.
Zurich Insurance Group AG (HAM:ZFIN) has a Beta of 0.2699 as of Jun. 24, 2026. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Zurich Insurance Group AG and its competitors.
Is Zurich Insurance Group AG's Beta too high?
Zurich Insurance Group AG's current Beta is 0.2699. Overall, Zurich Insurance Group AG has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Beta compare to BRK.A and AIG?
Zurich Insurance Group AG's Beta of 0.2699 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beta for an Insurance company?
A good Beta depends on the Insurance industry context. However, Beta should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beta mean?
A high Beta can signal that a stock is expensive relative to its fundamentals. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Zurich Insurance Group AG and its competitors. Zurich Insurance Group AG's current Beta is 0.2699. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zurich Insurance Group AG stock overvalued right now?
Based on GuruFocus' analysis, Zurich Insurance Group AG (HAM:ZFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is €505.94, compared to a current price of €634.20 — trading 25.4% above its estimated fair value. The current Beta is 0.2699. Zurich Insurance Group AG's overall GF Score™ is 76/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beta calculated?
Beta is calculated from a company's financial statements. For Zurich Insurance Group AG (HAM:ZFIN), the current Beta is 0.2699 as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Zurich Insurance Group AG (HAM:ZFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Zurich Insurance Group AG stock appears to be overvalued.
The current stock price of €634.20 is trading 25.4% above its estimated GF Value™ of €505.94.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for HAM:ZFIN:
Beta: 0.2699
GF Value™: €505.94 vs. price of €634.20 (25.4% above fair value)
No single metric tells the full story. See the HAM:ZFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zurich is a multiline insurer that writes business across both life and nonlife insurance and also owns Farmers Management Services. Zurich was founded in 1872 as a marine reinsurer to provide reinsurance to its parent company. The company subsequently expanded into transport and accident insurance and rode the wave of transport technology innovation that drove rising demand for insurance. One of Zurich's early principles was that setting prices too low would result in unfair claims handling, which would be damaging to both customers and Zurich. Over the years, Zurich has sought to combine customer goodwill through claims and a sufficient premium. Zurich is one of the most successful European multilines.
76GF Score
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