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Zurich Insurance Group AGZFSVF -1.59%72 Equity-to-Asset is 0.07 as of Dec. 2025, which is 13% below its 10-year median of 0.08. GuruFocus rates ZFSVF with a GF Score™ of 72/100 and a GF Value™ of $579.48 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 505 Insurance companies, Zurich Insurance Group AG ranks worse than 83.96% on this metric.
The historical rank and industry rank for Zurich Insurance Group AG's Equity-to-Asset or its related term are showing as below:
ZFSVF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.08 Max: 0.09
Current: 0.07
During the past 13 years, the highest Equity to Asset Ratio of Zurich Insurance Group AG was 0.09. The lowest was 0.07. And the median was 0.08.
ZFSVF's Equity-to-Asset is ranked worse than 83.96% of 505
companies
in the Insurance industry
Industry Median: 0.26
vs ZFSVF: 0.07
Zurich Insurance Group AG (OTCPK:ZFSVF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Zurich Insurance Group AG Equity-to-Asset Related Terms
Zurich Insurance Group AG Equity-to-Asset 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: Equity-to-Asset Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Equity-to-Asset falls into.
Zurich Insurance Group AG Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Zurich Insurance Group AG's Equity to Asset Ratio 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.
Zurich Insurance Group AG (ZFSVF) has a Equity-to-Asset of 0.07 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Zurich Insurance Group AG and its competitors. This is 13% below median its historical median of 0.08. Over the past decade, Zurich Insurance Group AG's Equity-to-Asset has ranged from 0.07 to 0.09. According to the industry distribution chart, Zurich Insurance Group AG ranks #424 out of 505 companies in the Insurance industry, placing it in the top 84%.
Is Zurich Insurance Group AG's Equity-to-Asset too high?
Zurich Insurance Group AG's current Equity-to-Asset of 0.07 is 13% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.09. The Insurance industry median Equity-to-Asset is 0.26. Zurich Insurance Group AG's value of 0.07 is 73.1% below this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #424 out of 505 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Zurich Insurance Group AG has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Equity-to-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #424 out of 505 companies for Equity-to-Asset. This places Zurich Insurance Group AG in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Zurich Insurance Group AG's value of 0.07 is 73.1% below this benchmark. Historically, Zurich Insurance Group AG's own Equity-to-Asset has ranged from 0.07 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.26, Zurich Insurance Group AG has consistently been below 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current Equity-to-Asset of 0.07 is 73.1% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current Equity-to-Asset is 0.07, which is 13% below median its own 10-year median of 0.08. 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 $579.48, compared to a current price of $738.04 — trading 27.4% above its estimated fair value. The current Equity-to-Asset is 0.07, which is 13% below median its 10-year median of 0.08 and 73.1% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Equity-to-Asset is 0.07 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 $738.04 is trading 27.4% above its estimated GF Value™ of $579.48.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for ZFSVF:
Equity-to-Asset: 0.07 (13% below median its 10-year median of 0.08)
GF Value™: $579.48 vs. price of $738.04 (27.4% above fair value)
Industry Position: 73.1% below the Insurance median (#424 of 505)
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
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