Zurich Insurance Group AG's book value per share for the quarter that ended in Dec. 2025 was $200.42.
During the past 12 months, Zurich Insurance Group AG's average Book Value Per Share Growth Rate was 0.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -6.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -3.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Zurich Insurance Group AG was 16.00% per year. The lowest was -27.30% per year. And the median was -1.10% per year.
During the past 13 years, the highest P/B Ratio of Zurich Insurance Group AG was 3.89. The lowest was 1.10. And the median was 1.77.
Warning Sign:
Zurich Insurance Group AG stock PB Ratio (=3.8) is close to 10-year high of 3.89.
Zurich Insurance Group AG (OTCPK:ZFSVF) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Zurich Insurance Group AG Book Value per Share Related Terms
Zurich Insurance Group AG Book Value per Share Historical Data
* 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.
Zurich Insurance Group AG Book Value per Share Chart
ZFSVF vs BRK.A, AIG, HIG: Book Value per Share Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's PB Ratio falls into.
* 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.
Zurich Insurance Group AG (ZFSVF) has a Book Value per Share of $200.42 as of Dec. 2025. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Zurich Insurance Group AG and its competitors.
Is Zurich Insurance Group AG's Book Value per Share too high?
Zurich Insurance Group AG's current Book Value per Share is $200.42. Overall, Zurich Insurance Group AG has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Book Value per Share compare to BRK.A and AIG?
Zurich Insurance Group AG's Book Value per Share of $200.42 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 Book Value per Share for an Insurance company?
A good Book Value per Share depends on the Insurance industry context. However, Book Value per Share 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 Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Zurich Insurance Group AG and its competitors. Zurich Insurance Group AG's current Book Value per Share is $200.42. 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 (ZFSVF) is currently considered Modestly Overvalued. The stock's GF Value™ is $588.62, compared to a current price of $729.00 — trading 23.8% above its estimated fair value. The current Book Value per Share is $200.42. Zurich Insurance Group AG's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Book Value per Share is $200.42 as of Dec. 2025. 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 (ZFSVF) Overvalued in 2026?
Based on GuruFocus' analysis, Zurich Insurance Group AG stock appears to be overvalued.
The current stock price of $729.00 is trading 23.8% above its estimated GF Value™ of $588.62.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for ZFSVF:
Book Value per Share: $200.42
GF Value™: $588.62 vs. price of $729.00 (23.8% above fair value)
No single metric tells the full story. See the ZFSVF 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.
65GF Score
Get the complete analysis for ZFSVF
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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