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Combined Ratio % is a profitability metric of an insurance company to measure its performance in daily operations. It measures the money flowing out of an insurance company in the form of dividends, expenses, and losses.
The historical rank and industry rank for Zurich Insurance Group AG's Combined Ratio % or its related term are showing as below:
ZFSVF's Combined Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Combined Ratio % only.
Zurich Insurance Group AG (OTCPK:ZFSVF) Combined Ratio % Explanation
Combined Ratio % measures the money flowing out of an insurance company in the form of dividends, expenses and losses. A ratio below 100 percent suggests that the company is making an underwriting profit, while a ratio above 100 percent means that it paid more in the claim than it received. However, a ratio above 100 percent does not necessarily mean the company is losing money because the investment income is not included in the calculation.
Compared to Claims Ratio % and Expense Ratio %, the combined ratio is most important because it provides a comprehensive measure of an insurer's profitability.
Zurich Insurance Group AG Combined Ratio % Related Terms
Zurich Insurance Group AG Combined Ratio % 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 (OTCPK:ZFSVF) Combined Ratio % Calculation
Combined Ratio % is calculated as:
Combined Ratio %
=
( Incurred Losses
+
Expenses )
/
Earned Premium
*
100%
* 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.
Frequently Asked Questions
What does a Combined Ratio % of 0.00% mean?
Zurich Insurance Group AG (ZFSVF) has a Combined Ratio % of 0.00% as of . 20. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Zurich Insurance Group AG and its competitors.
Is Zurich Insurance Group AG's Combined Ratio % too high?
Zurich Insurance Group AG's current Combined Ratio % is 0.00%. Overall, Zurich Insurance Group AG has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Combined Ratio % compare to BRK.A and AIG?
Zurich Insurance Group AG's Combined Ratio % of 0.00% 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 Combined Ratio % for an Insurance company?
A good Combined Ratio % depends on the Insurance industry context. However, Combined Ratio % 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 Combined Ratio % mean?
A high Combined Ratio % can signal that a stock is expensive relative to its fundamentals. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Zurich Insurance Group AG and its competitors. Zurich Insurance Group AG's current Combined Ratio % is 0.00%. 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 $721.62, compared to a current price of $717.81 — trading 0.5% below its estimated fair value. The current Combined Ratio % is 0.00%. Zurich Insurance Group AG's overall GF Score™ is 85/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Combined Ratio % calculated?
Combined Ratio % is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Combined Ratio % is 0.00% as of . 20. 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 undervalued.
The current stock price of $717.81 is trading 0.5% below its estimated GF Value™ of $721.62.
GuruFocus considers Zurich Insurance Group AG to be Fairly Valued.
Key valuation signals for ZFSVF:
Combined Ratio %: 0.00%
GF Value™: $721.62 vs. price of $717.81 (0.5% below 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.
85GF Score
Get the complete analysis for ZFSVF
Combined Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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