Zurich Insurance Group AG (HAM:ZFIN) EPS (Basic): €41.00 (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 EPS (Basic)?

Zurich Insurance Group AG HAM:ZFIN +0.76% 76 EPS (Basic) is €41.00 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 basic earnings per share (Basic EPS) for the six months ended in Dec. 2025 was €22.37. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was €41.00.

Zurich Insurance Group AG's EPS (Diluted) for the six months ended in Dec. 2025 was €22.08. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €40.59.

Zurich Insurance Group AG's EPS without NRI for the six months ended in Dec. 2025 was €22.11. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 40.62.

During the past 12 months, Zurich Insurance Group AG's average EPS without NRIGrowth Rate was 6.70% per year. During the past 3 years, the average EPS without NRI Growth Rate was 13.90% per year. During the past 5 years, the average EPS without NRI Growth Rate was 9.10% per year. During the past 10 years, the average EPS without NRI Growth Rate was 8.10% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Zurich Insurance Group AG's highest 3-Year average EPS without NRI Growth Rate was 32.50% per year. The lowest was -27.20% per year. And the median was 2.30% per year.

Zurich Insurance Group AG  (HAM:ZFIN) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Zurich Insurance Group AG EPS (Basic) Related Terms

Zurich Insurance Group AG EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Zurich Insurance Group AG's EPS (Basic) 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 EPS (Basic) Chart

Zurich Insurance Group AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.97 25.21 27.47 38.66 40.72

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
EPS (Basic) 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 11.83 19.49 18.62 18.63 22.37
HAM:ZFIN
76GF Score
Zurich Insurance Group AG HAM:ZFIN
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Zurich Insurance Group AG EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Zurich Insurance Group AG's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(5805.492-0)/142.584
=40.72

Zurich Insurance Group AG's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(3187.982-0)/142.543
=22.37

EPS (Basic) 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 €41.00

* 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 EPS (Basic) →
What does a EPS (Basic) of €41.00 mean?
Zurich Insurance Group AG (HAM:ZFIN) has a EPS (Basic) of €41.00 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Zurich Insurance Group AG and its competitors.
Is Zurich Insurance Group AG's EPS (Basic) too high?
Zurich Insurance Group AG's current EPS (Basic) is €41.00. 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 EPS (Basic) compare to BRK.A and AIG?
Zurich Insurance Group AG's EPS (Basic) of €41.00 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 EPS (Basic) for an Insurance company?
A good EPS (Basic) depends on the Insurance industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Zurich Insurance Group AG and its competitors. Zurich Insurance Group AG's current EPS (Basic) is €41.00. 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 EPS (Basic) is €41.00. 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 EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Zurich Insurance Group AG (HAM:ZFIN), the current EPS (Basic) is €41.00 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:

  • EPS (Basic): €41.00
  • 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

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

€634.20
Price
€505.94
GF Value