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ZURVY (Zurich Insurance Group AG) Cyclically Adjusted PB Ratio : 3.11 (As of Jun. 02, 2025)


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What is Zurich Insurance Group AG Cyclically Adjusted PB Ratio?

As of today (2025-06-02), Zurich Insurance Group AG's current share price is $35.17. Zurich Insurance Group AG's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec24 was $11.32. Zurich Insurance Group AG's Cyclically Adjusted PB Ratio for today is 3.11.

The historical rank and industry rank for Zurich Insurance Group AG's Cyclically Adjusted PB Ratio or its related term are showing as below:

ZURVY' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.96   Med: 1.71   Max: 3.02
Current: 2.81

During the past 13 years, Zurich Insurance Group AG's highest Cyclically Adjusted PB Ratio was 3.02. The lowest was 0.96. And the median was 1.71.

ZURVY's Cyclically Adjusted PB Ratio is ranked worse than
85.01% of 407 companies
in the Insurance industry
Industry Median: 1.24 vs ZURVY: 2.81

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Zurich Insurance Group AG's adjusted book value per share data of for the fiscal year that ended in Dec24 was $8.951. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $11.32 for the trailing ten years ended in Dec24.

Shiller PE for Stocks: The True Measure of Stock Valuation


Zurich Insurance Group AG Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Zurich Insurance Group AG's Cyclically Adjusted PB Ratio can be seen below:

* 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.

* Premium members only.

Zurich Insurance Group AG Cyclically Adjusted PB Ratio Chart

Zurich Insurance Group AG Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.75 1.87 2.06 2.07 2.62

Zurich Insurance Group AG Semi-Annual Data
Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.06 - 2.07 - 2.62

Competitive Comparison of Zurich Insurance Group AG's Cyclically Adjusted PB Ratio

For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted 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's Cyclically Adjusted PB Ratio Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Zurich Insurance Group AG's Cyclically Adjusted PB Ratio falls into.


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Zurich Insurance Group AG Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Zurich Insurance Group AG's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=35.17/11.32
=3.11

* 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's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec24 is calculated as:

For example, Zurich Insurance Group AG's adjusted Book Value per Share data for the fiscal year that ended in Dec24 was:

Adj_Book=Book Value per Share/CPI of Dec24 (Change)*Current CPI (Dec24)
=8.951/107.1281*107.1281
=8.951

Current CPI (Dec24) = 107.1281.

Zurich Insurance Group AG Annual Data

Book Value per Share CPI Adj_Book
201512 10.451 99.386 11.265
201612 10.261 99.380 11.061
201712 11.007 100.213 11.767
201812 10.250 100.906 10.882
201912 11.821 101.063 12.530
202012 12.889 100.241 13.775
202112 9.819 101.776 10.335
202212 8.704 104.666 8.909
202312 8.633 106.461 8.687
202412 8.951 107.128 8.951

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Zurich Insurance Group AG  (OTCPK:ZURVY) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Zurich Insurance Group AG Cyclically Adjusted PB Ratio Related Terms

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Zurich Insurance Group AG Business Description

Address
Mythenquai 2, Corporate Center, Zurich, CHE, 8002
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.