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.
During the past 12 months, Zurich Insurance Group AG's average EBITDA Per Share Growth Rate was 4.00% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 15.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 8.60% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 4.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Zurich Insurance Group AG was 27.30% per year. The lowest was -26.60% per year. And the median was -0.90% per year.
Zurich Insurance Group AG (OTCPK:ZFSVF) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Zurich Insurance Group AG 3-Year EBITDA Growth Rate Related Terms
ZFSVF vs BRK.A, AIG, HIG: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's 3-Year EBITDA Growth Rate falls into.
Zurich Insurance Group AG 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 15.40% mean?
Zurich Insurance Group AG (ZFSVF) has a 3-Year EBITDA Growth Rate of 15.40% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Zurich Insurance Group AG and its competitors. According to the industry distribution chart, Zurich Insurance Group AG ranks #158 out of 291 companies in the Insurance industry, placing it in the top 54.3%.
Is Zurich Insurance Group AG's 3-Year EBITDA Growth Rate too high?
Zurich Insurance Group AG's current 3-Year EBITDA Growth Rate is 15.40%. The Insurance industry median 3-Year EBITDA Growth Rate is 17.50. Zurich Insurance Group AG's value of 15.40% is 12% below this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #158 out of 291 companies in the Insurance industry, which is below the industry midpoint. Overall, Zurich Insurance Group AG has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's 3-Year EBITDA Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #158 out of 291 companies for 3-Year EBITDA Growth Rate. This places Zurich Insurance Group AG in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 17.50. Zurich Insurance Group AG's value of 15.40% is 12% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.50, based on 291 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current 3-Year EBITDA Growth Rate of 15.40% is 12% below 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Zurich Insurance Group AG and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current 3-Year EBITDA Growth Rate is 15.40%. 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 $558.28, compared to a current price of $751.33 — trading 34.6% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 15.40% and 12% below the Insurance industry median of 17.50. Zurich Insurance Group AG's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current 3-Year EBITDA Growth Rate is 15.40% 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 $751.33 is trading 34.6% above its estimated GF Value™ of $558.28.
GuruFocus considers Zurich Insurance Group AG to be Significantly Overvalued.
Key valuation signals for ZFSVF:
3-Year EBITDA Growth Rate: 15.40%
GF Value™: $558.28 vs. price of $751.33 (34.6% above fair value)
Industry Position: 12% below the Insurance median (#158 of 291)
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.
72GF Score
Get the complete analysis for ZFSVF
3-Year EBITDA Growth Rate 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 
