Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Zurich Insurance Group AGZFSVF +4.71%70 Debt-to-Equity is 0.55 as of Dec. 2025, which is 17% above its 10-year median of 0.47. GuruFocus rates ZFSVF with a GF Score™ of 70/100 and a GF Value™ of $570.72 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 406 Insurance companies, Zurich Insurance Group AG ranks worse than 81.28% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Zurich Insurance Group AG's Debt-to-Equity or its related term are showing as below:
ZFSVF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.34 Med: 0.47 Max: 0.62
Current: 0.55
During the past 13 years, the highest Debt-to-Equity Ratio of Zurich Insurance Group AG was 0.62. The lowest was 0.34. And the median was 0.47.
ZFSVF's Debt-to-Equity is ranked worse than 81.28% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs ZFSVF: 0.55
Zurich Insurance Group AG (OTCPK:ZFSVF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Zurich Insurance Group AG Debt-to-Equity Related Terms
Zurich Insurance Group AG Debt-to-Equity 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-Equity Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Debt-to-Equity 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 Debt-to-Equity of 0.55 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Zurich Insurance Group AG and its competitors. This is 17% above median its historical median of 0.47. Over the past decade, Zurich Insurance Group AG's Debt-to-Equity has ranged from 0.34 to 0.62. According to the industry distribution chart, Zurich Insurance Group AG ranks #330 out of 406 companies in the Insurance industry, placing it in the top 81.3%.
Is Zurich Insurance Group AG's Debt-to-Equity too high?
Zurich Insurance Group AG's current Debt-to-Equity of 0.55 is 17% above median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 0.62. The Insurance industry median Debt-to-Equity is 0.20. Zurich Insurance Group AG's value of 0.55 is 175% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #330 out of 406 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Zurich Insurance Group AG has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Debt-to-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #330 out of 406 companies for Debt-to-Equity. This places Zurich Insurance Group AG in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Zurich Insurance Group AG's value of 0.55 is 175% above this benchmark. Historically, Zurich Insurance Group AG's own Debt-to-Equity has ranged from 0.34 to 0.62 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 0.20, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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-Equity of 0.55 is 175% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — 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-Equity is 0.55, which is 17% above median its own 10-year median of 0.47. 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 Significantly Overvalued. The stock's GF Value™ is $570.72, compared to a current price of $770.00 — trading 34.9% above its estimated fair value. The current Debt-to-Equity is 0.55, which is 17% above median its 10-year median of 0.47 and 175% above the Insurance industry median of 0.20. Zurich Insurance Group AG's overall GF Score™ is 70/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Debt-to-Equity is 0.55 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 $770.00 is trading 34.9% above its estimated GF Value™ of $570.72.
GuruFocus considers Zurich Insurance Group AG to be Significantly Overvalued.
Key valuation signals for ZFSVF:
Debt-to-Equity: 0.55 (17% above median its 10-year median of 0.47)
GF Value™: $570.72 vs. price of $770.00 (34.9% above fair value)
Industry Position: 175% above the Insurance median (#330 of 406)
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.
70GF Score
Get the complete analysis for ZFSVF
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ZFSVF has been successfully added to your 
