Zurich Insurance Group AGZFSVF -0.23%70 EV-to-FCF is 21.73 as of Jun. 26, 2026, which is 47% above its 10-year median of 14.75. GuruFocus rates ZFSVF with a GF Score™ of 70/100 and a GF Value™ of $593.64 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 391 Insurance companies, Zurich Insurance Group AG ranks worse than 80.82% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Zurich Insurance Group AG's Enterprise Value is $117,851 Mil.
Zurich Insurance Group AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5,423 Mil. Therefore, Zurich Insurance Group AG's EV-to-FCF for today is 21.73.
The historical rank and industry rank for Zurich Insurance Group AG's EV-to-FCF or its related term are showing as below:
ZFSVF'
s EV-to-FCF Range Over the Past 10 Years
Min: 9.89 Med: 14.75 Max: 67.38
Current: 21.73
During the past 13 years, the highest EV-to-FCF of Zurich Insurance Group AG was 67.38. The lowest was 9.89. And the median was 14.75.
ZFSVF's EV-to-FCF is ranked worse than 80.82% of 391
companies
in the Insurance industry
Industry Median: 9.32
vs ZFSVF: 21.73
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (OTCPK:ZFSVF) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $724.33.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Zurich Insurance Group AG EV-to-FCF Related Terms
Zurich Insurance Group AG EV-to-FCF 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.
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's EV-to-FCF falls into.
Zurich Insurance Group AG's current Enterprise Value is $117,851 Mil.
For company reported semi-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 (ZFSVF) has a EV-to-FCF of 21.73 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Zurich Insurance Group AG and its competitors. This is 47% above median its historical median of 14.75. Over the past decade, Zurich Insurance Group AG's EV-to-FCF has ranged from 9.89 to 67.38. According to the industry distribution chart, Zurich Insurance Group AG ranks #316 out of 391 companies in the Insurance industry, placing it in the top 80.8%.
Is Zurich Insurance Group AG's EV-to-FCF too high?
Zurich Insurance Group AG's current EV-to-FCF of 21.73 is 47% above median its 10-year median of 14.75. Over the past 10 years, this metric has ranged from a low of 9.89 to a high of 67.38. The Insurance industry median EV-to-FCF is 9.32. Zurich Insurance Group AG's value of 21.73 is 133.2% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #316 out of 391 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Zurich Insurance Group AG has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #316 out of 391 companies for EV-to-FCF. This places Zurich Insurance Group AG in the lower half of its industry. The industry median EV-to-FCF is 9.32. Zurich Insurance Group AG's value of 21.73 is 133.2% above this benchmark. Historically, Zurich Insurance Group AG's own EV-to-FCF has ranged from 9.89 to 67.38 over the past decade. While the company's 10-year median is 14.75 vs. the industry median of 9.32, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF of 21.73 is 133.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — 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-FCF is 21.73, which is 47% above median its own 10-year median of 14.75. 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 Modestly Overvalued. The stock's GF Value™ is $593.64, compared to a current price of $724.33 — trading 22% above its estimated fair value. The current EV-to-FCF is 21.73, which is 47% above median its 10-year median of 14.75 and 133.2% above the Insurance industry median of 9.32. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current EV-to-FCF is 21.73 as of Jun. 26, 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 $724.33 is trading 22% above its estimated GF Value™ of $593.64.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for ZFSVF:
EV-to-FCF: 21.73 (47% above median its 10-year median of 14.75)
GF Value™: $593.64 vs. price of $724.33 (22% above fair value)
Industry Position: 133.2% above the Insurance median (#316 of 391)
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.
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