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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Zurich Insurance Group AG's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.48.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Zurich Insurance Group AGcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Zurich Insurance Group AG's Cash-to-Debt or its related term are showing as below:
ZFSVF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.45 Med: 0.51 Max: 0.73
Current: 0.48
During the past 13 years, Zurich Insurance Group AG's highest Cash to Debt Ratio was 0.73. The lowest was 0.45. And the median was 0.51.
ZFSVF's Cash-to-Debt is ranked worse than 79.63% of 486
companies
in the Insurance industry
Industry Median: 2.17
vs ZFSVF: 0.48
Zurich Insurance Group AG (OTCPK:ZFSVF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Zurich Insurance Group AG Cash-to-Debt Related Terms
Zurich Insurance Group AG Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Cash-to-Debt 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 Cash-to-Debt of 0.48 as of Jun. 2026. This is near median its historical median of 0.51. Over the past decade, Zurich Insurance Group AG's Cash-to-Debt has ranged from 0.45 to 0.73. According to the industry distribution chart, Zurich Insurance Group AG ranks #387 out of 486 companies in the Insurance industry, placing it in the top 79.6%.
Is Zurich Insurance Group AG's Cash-to-Debt too high?
Zurich Insurance Group AG's current Cash-to-Debt of 0.48 is near median its 10-year median of 0.51. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 0.73. The Insurance industry median Cash-to-Debt is 2.17. Zurich Insurance Group AG's value of 0.48 is 77.9% below this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #387 out of 486 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Zurich Insurance Group AG has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Cash-to-Debt compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #387 out of 486 companies for Cash-to-Debt. This places Zurich Insurance Group AG in the lower half of its industry. The industry median Cash-to-Debt is 2.17. Zurich Insurance Group AG's value of 0.48 is 77.9% below this benchmark. Historically, Zurich Insurance Group AG's own Cash-to-Debt has ranged from 0.45 to 0.73 over the past decade. While the company's 10-year median is 0.51 vs. the industry median of 2.17, Zurich Insurance Group AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.17, based on 486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current Cash-to-Debt of 0.48 is 77.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current Cash-to-Debt is 0.48, which is near median its own 10-year median of 0.51. 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 Fairly Valued. The stock's GF Value™ is $666.98, compared to a current price of $725.25 — trading 8.7% above its estimated fair value. The current Cash-to-Debt is 0.48, which is near median its 10-year median of 0.51 and 77.9% below the Insurance industry median of 2.17. Zurich Insurance Group AG's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Cash-to-Debt is 0.48 as of Jun. 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 (ZFSVF) Overvalued in 2026?
Based on GuruFocus' analysis, Zurich Insurance Group AG stock appears to be overvalued.
The current stock price of $725.25 is trading 8.7% above its estimated GF Value™ of $666.98.
GuruFocus considers Zurich Insurance Group AG to be Fairly Valued.
Key valuation signals for ZFSVF:
Cash-to-Debt: 0.48 (near median its 10-year median of 0.51)
GF Value™: $666.98 vs. price of $725.25 (8.7% above fair value)
Industry Position: 77.9% below the Insurance median (#387 of 486)
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.
76GF Score
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