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Zurich Insurance Group AGZFSVF +4.71%70 EV-to-EBITDA is 11.05 as of Jul. 18, 2026, which is 13% above its 10-year median of 9.75. 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 346 Insurance companies, Zurich Insurance Group AG ranks worse than 66.18% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Zurich Insurance Group AG's enterprise value is $125,473 Mil.
Zurich Insurance Group AG's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was $11,358 Mil. Therefore, Zurich Insurance Group AG's EV-to-EBITDA for today is 11.05.
The historical rank and industry rank for Zurich Insurance Group AG's EV-to-EBITDA or its related term are showing as below:
ZFSVF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.69 Med: 9.75 Max: 13.41
Current: 11.12
During the past 13 years, the highest EV-to-EBITDA of Zurich Insurance Group AG was 13.41. The lowest was 6.69. And the median was 9.75.
ZFSVF's EV-to-EBITDA is ranked worse than 66.18% of 346
companies
in the Insurance industry
Industry Median: 8.23
vs ZFSVF: 11.12
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Zurich Insurance Group AG (OTCPK:ZFSVF) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Zurich Insurance Group AG's PE Ratio (TTM) for today is calculated as:
Zurich Insurance Group AG's share price for today is $770.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Zurich Insurance Group AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $47.200.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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.
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's EV-to-EBITDA falls into.
Zurich Insurance Group AG's current Enterprise Value is $125,473 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Zurich Insurance Group AG's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was $11,358 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.
Zurich Insurance Group AG (ZFSVF) has a EV-to-EBITDA of 11.05 as of Jul. 18, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Zurich Insurance Group AG. This is 13% above median its historical median of 9.75. Over the past decade, Zurich Insurance Group AG's EV-to-EBITDA has ranged from 6.69 to 13.41. According to the industry distribution chart, Zurich Insurance Group AG ranks #229 out of 346 companies in the Insurance industry, placing it in the top 66.2%.
Is Zurich Insurance Group AG's EV-to-EBITDA too high?
Zurich Insurance Group AG's current EV-to-EBITDA of 11.05 is 13% above median its 10-year median of 9.75. Over the past 10 years, this metric has ranged from a low of 6.69 to a high of 13.41. The Insurance industry median EV-to-EBITDA is 8.23. Zurich Insurance Group AG's value of 11.05 is 34.3% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #229 out of 346 companies in the Insurance industry, which is below the industry midpoint. 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 EV-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #229 out of 346 companies for EV-to-EBITDA. This places Zurich Insurance Group AG in the lower half of its industry. The industry median EV-to-EBITDA is 8.23. Zurich Insurance Group AG's value of 11.05 is 34.3% above this benchmark. Historically, Zurich Insurance Group AG's own EV-to-EBITDA has ranged from 6.69 to 13.41 over the past decade. While the company's 10-year median is 9.75 vs. the industry median of 8.23, 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.23, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-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 EV-to-EBITDA of 11.05 is 34.3% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Zurich Insurance Group AG. For the Insurance industry, the median EV-to-EBITDA is 8.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current EV-to-EBITDA is 11.05, which is 13% above median its own 10-year median of 9.75. 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 EV-to-EBITDA is 11.05, which is 13% above median its 10-year median of 9.75 and 34.3% above the Insurance industry median of 8.23. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current EV-to-EBITDA is 11.05 as of Jul. 18, 2026. 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:
EV-to-EBITDA: 11.05 (13% above median its 10-year median of 9.75)
GF Value™: $570.72 vs. price of $770.00 (34.9% above fair value)
Industry Position: 34.3% above the Insurance median (#229 of 346)
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
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