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Zurich Insurance Group AGZFSVF +1.29%64 Debt-to-EBITDA is 1.26 as of Dec. 2025, which is 32% below its 10-year median of 1.85. GuruFocus rates ZFSVF with a GF Score™ of 64/100 and a GF Value™ of $586.06 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 322 Insurance companies, Zurich Insurance Group AG ranks worse than 53.42% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Zurich Insurance Group AG's Debt-to-EBITDA or its related term are showing as below:
ZFSVF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.37 Med: 1.85 Max: 2.39
Current: 1.37
During the past 13 years, the highest Debt-to-EBITDA Ratio of Zurich Insurance Group AG was 2.39. The lowest was 1.37. And the median was 1.85.
ZFSVF's Debt-to-EBITDA is ranked worse than 53.42% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs ZFSVF: 1.37
Zurich Insurance Group AG (OTCPK:ZFSVF) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Zurich Insurance Group AG Debt-to-EBITDA Related Terms
Zurich Insurance Group AG Debt-to-EBITDA 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.
ZFSVF vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Zurich Insurance Group AG (ZFSVF) has a Debt-to-EBITDA of 1.26 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Zurich Insurance Group AG. This is 32% below median its historical median of 1.85. Over the past decade, Zurich Insurance Group AG's Debt-to-EBITDA has ranged from 1.37 to 2.39. According to the industry distribution chart, Zurich Insurance Group AG ranks #172 out of 322 companies in the Insurance industry, placing it in the top 53.4%.
Is Zurich Insurance Group AG's Debt-to-EBITDA too high?
Zurich Insurance Group AG's current Debt-to-EBITDA of 1.26 is 32% below median its 10-year median of 1.85. Over the past 10 years, this metric has ranged from a low of 1.37 to a high of 2.39. The Insurance industry median Debt-to-EBITDA is 1.19. Zurich Insurance Group AG's value of 1.26 is 6.3% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #172 out of 322 companies in the Insurance industry, which is below the industry midpoint. Overall, Zurich Insurance Group AG has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #172 out of 322 companies for Debt-to-EBITDA. This places Zurich Insurance Group AG in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Zurich Insurance Group AG's value of 1.26 is 6.3% above this benchmark. Historically, Zurich Insurance Group AG's own Debt-to-EBITDA has ranged from 1.37 to 2.39 over the past decade. While the company's 10-year median is 1.85 vs. the industry median of 1.19, Zurich Insurance Group AG has consistently been above 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current Debt-to-EBITDA of 1.26 is 6.3% above 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Zurich Insurance Group AG. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current Debt-to-EBITDA is 1.26, which is 32% below median its own 10-year median of 1.85. 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 $586.06, compared to a current price of $759.00 — trading 29.5% above its estimated fair value. The current Debt-to-EBITDA is 1.26, which is 32% below median its 10-year median of 1.85 and 6.3% above the Insurance industry median of 1.19. Zurich Insurance Group AG's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Debt-to-EBITDA is 1.26 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 $759.00 is trading 29.5% above its estimated GF Value™ of $586.06.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for ZFSVF:
Debt-to-EBITDA: 1.26 (32% below median its 10-year median of 1.85)
GF Value™: $586.06 vs. price of $759.00 (29.5% above fair value)
Industry Position: 6.3% above the Insurance median (#172 of 322)
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.
64GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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