Zurich Insurance Group AG (HAM:ZFIN) EBIT: €9,029 Mil (TTM As of Dec. 2025)


HAM:ZFIN Zurich Insurance Group AG HAM:ZFIN
76 GF Score
Price €634.20
GF Value €505.94
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Zurich Insurance Group AG EBIT?

Zurich Insurance Group AG HAM:ZFIN +0.76% 76 EBIT is €9,029 Mil as of Dec. 2025. GuruFocus rates HAM:ZFIN with a GF Score™ of 76/100 and a GF Value™ of €505.94 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Zurich Insurance Group AG's earnings before interest and taxes (EBIT) for the six months ended in Dec. 2025 was €4,921 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was €9,029 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Zurich Insurance Group AG's annualized ROC % for the quarter that ended in Dec. 2025 was 2.06%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Zurich Insurance Group AG's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 8.73%.


Zurich Insurance Group AG  (HAM:ZFIN) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Zurich Insurance Group AG's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=9841.496 * ( 1 - 28.91% )/( (336030.86295 + 341929.3451)/ 2 )
=6996.3195064/338980.104025
=2.06 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=340338.249 - 0 - ( 5903.403 - 5% * 31920.339 )
=336030.86295

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=347758.194 - 1991.528 - ( 6051.444 - 5% * 44282.462 )
=341929.3451

Note: The EBIT data used here is two times the semi-annual (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Zurich Insurance Group AG's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=9028.594/103454.899
=8.73 %

* 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 EBIT Related Terms


Zurich Insurance Group AG EBIT Historical Data

* Premium members only.

The historical data trend for Zurich Insurance Group AG's EBIT 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.

Zurich Insurance Group AG EBIT Chart

Zurich Insurance Group AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6,650.78 5,492.19 6,340.14 8,504.28 8,967.00

Zurich Insurance Group AG Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
EBIT 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 2,824.36 4,374.66 4,007.18 4,107.85 4,920.75

HAM:ZFIN vs BRK.A, AIG, HIG: EBIT Comparison

For the Insurance - Diversified subindustry, Zurich Insurance Group AG's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Zurich Insurance Group AG's EV-to-EBIT falls into.


HAM:ZFIN
76GF Score
Zurich Insurance Group AG HAM:ZFIN
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Zurich Insurance Group AG EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €9,029 Mil.

* 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 Learn more about EBIT →
What does a EBIT of €9,029 Mil mean?
Zurich Insurance Group AG (HAM:ZFIN) has a EBIT of €9,029 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Zurich Insurance Group AG.
Is Zurich Insurance Group AG's EBIT too high?
Zurich Insurance Group AG's current EBIT is €9,029 Mil. Overall, Zurich Insurance Group AG has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's EBIT compare to BRK.A and AIG?
Zurich Insurance Group AG's EBIT of €9,029 Mil 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 EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Zurich Insurance Group AG. Zurich Insurance Group AG's current EBIT is €9,029 Mil. 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 (HAM:ZFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is €505.94, compared to a current price of €634.20 — trading 25.4% above its estimated fair value. The current EBIT is €9,029 Mil. Zurich Insurance Group AG's overall GF Score™ is 76/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Zurich Insurance Group AG (HAM:ZFIN), the current EBIT is €9,029 Mil 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 (HAM:ZFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Zurich Insurance Group AG stock appears to be overvalued. The current stock price of €634.20 is trading 25.4% above its estimated GF Value™ of €505.94. GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.

Key valuation signals for HAM:ZFIN:

  • EBIT: €9,029 Mil
  • GF Value™: €505.94 vs. price of €634.20 (25.4% above fair value)
  • GF Score™: 76/100 with 5 warning signs

No single metric tells the full story. See the HAM:ZFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


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.
76GF Score

Get the complete analysis for HAM:ZFIN

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€634.20
Price
€505.94
GF Value