Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Zurich Insurance Group AG's Enterprise Value is $118,188 Mil.
Zurich Insurance Group AG's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was $10,500 Mil. Therefore, Zurich Insurance Group AG's EV-to-EBIT ratio for today is 11.26.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Zurich Insurance Group AG (OTCPK:ZFSVF) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
Zurich Insurance Group AG's EV-to-EBIT for today is
Zurich Insurance Group AG's current Enterprise Value is $118,188 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Zurich Insurance Group AG's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was $10,500 Mil.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
Zurich Insurance Group AG's EV-to-EBITDA for today is:
Zurich Insurance Group AG's current Enterprise Value is $118,188 Mil.
For company reported semi-annually or 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.
Zurich Insurance Group AG's current Enterprise Value is $118,188 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Zurich Insurance Group AG's Revenue for the trailing twelve months (TTM) ended in Dec. 2025 was $88,670 Mil.
Zurich Insurance Group AG's current Enterprise Value is $118,188 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Zurich Insurance Group AG's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $5,903 Mil.
Zurich Insurance Group AG's current Enterprise Value is $118,188 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Zurich Insurance Group AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5,423 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 Enterprise Value Related Terms
Zurich Insurance Group AG Enterprise Value 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: Enterprise Value Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Enterprise Value falls into.
Zurich Insurance Group AG Enterprise Value Calculation
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Zurich Insurance Group AG's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
What does a Enterprise Value of $118,188 Mil mean?
Zurich Insurance Group AG (ZFSVF) has a Enterprise Value of $118,188 Mil as of Jun. 25, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Zurich Insurance Group AG and its competitors.
Is Zurich Insurance Group AG's Enterprise Value too high?
Zurich Insurance Group AG's current Enterprise Value is $118,188 Mil. Overall, Zurich Insurance Group AG has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Enterprise Value compare to BRK.A and AIG?
Zurich Insurance Group AG's Enterprise Value of $118,188 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 Enterprise Value for an Insurance company?
A good Enterprise Value depends on the Insurance industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Zurich Insurance Group AG and its competitors. Zurich Insurance Group AG's current Enterprise Value is $118,188 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 (ZFSVF) is currently considered Modestly Overvalued. The stock's GF Value™ is $594.02, compared to a current price of $700.25 — trading 17.9% above its estimated fair value. The current Enterprise Value is $118,188 Mil. Zurich Insurance Group AG's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Enterprise Value is $118,188 Mil as of Jun. 25, 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 $700.25 is trading 17.9% above its estimated GF Value™ of $594.02.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for ZFSVF:
Enterprise Value: $118,188 Mil
GF Value™: $594.02 vs. price of $700.25 (17.9% above fair value)
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.
74GF Score
Get the complete analysis for ZFSVF
Enterprise Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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