Zurich Insurance Group AG (OTCPK:ZFSVF) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Zurich Insurance Group AG Forward PE Ratio Related Terms
Zurich Insurance Group AG Forward PE Ratio 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.
Zurich Insurance Group AG Forward PE Ratio Chart
Zurich Insurance Group AG Annual Data
Trend
2015-12
2016-12
2017-12
2018-12
2019-12
2020-12
2021-12
2022-12
2023-12
2024-12
2025-12
Forward PE Ratio
10.10
11.43
13.33
10.89
13.30
14.29
13.97
12.27
14.53
14.06
16.05
Zurich Insurance Group AG Semi-Annual Data
2015-12
2016-06
2016-12
2017-06
2017-12
2018-06
2018-12
2019-06
2019-12
2020-06
2020-12
2021-06
2021-12
2022-06
2022-12
2023-06
2023-12
2024-06
2024-12
2025-06
2025-12
Forward PE Ratio
10.10
10.82
11.43
13.30
13.33
12.79
10.89
12.80
13.30
14.39
14.29
14.56
13.97
11.72
12.27
14.84
14.53
15.04
14.06
15.77
16.05
ZFSVF vs BRK.A, AIG, HIG: Forward PE Ratio Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Forward PE Ratio falls into.
Zurich Insurance Group AG Forward PE Ratio Calculation
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Zurich Insurance Group AG (ZFSVF) has a Forward PE Ratio of 16.19 as of Jul. 07, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Zurich Insurance Group AG and its competitors. According to the industry distribution chart, Zurich Insurance Group AG ranks #205 out of 274 companies in the Insurance industry, placing it in the top 74.8%.
Is Zurich Insurance Group AG's Forward PE Ratio too high?
Zurich Insurance Group AG's current Forward PE Ratio is 16.19. The Insurance industry median Forward PE Ratio is 11.90. Zurich Insurance Group AG's value of 16.19 is 36.1% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #205 out of 274 companies in the Insurance industry, which is below the industry midpoint. Overall, Zurich Insurance Group AG has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Forward PE Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #205 out of 274 companies for Forward PE Ratio. This places Zurich Insurance Group AG in the lower half of its industry. The industry median Forward PE Ratio is 11.90. Zurich Insurance Group AG's value of 16.19 is 36.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for an Insurance company?
The median Forward PE Ratio among Insurance companies is 11.90, based on 274 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current Forward PE Ratio of 16.19 is 36.1% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median Forward PE Ratio is 11.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current Forward PE Ratio is 16.19. 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 $588.23, compared to a current price of $729.00 — trading 23.9% above its estimated fair value. The current Forward PE Ratio is 16.19 and 36.1% above the Insurance industry median of 11.90. Zurich Insurance Group AG's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Forward PE Ratio is 16.19 as of Jul. 07, 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 $729.00 is trading 23.9% above its estimated GF Value™ of $588.23.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for ZFSVF:
Forward PE Ratio: 16.19
GF Value™: $588.23 vs. price of $729.00 (23.9% above fair value)
Industry Position: 36.1% above the Insurance median (#205 of 274)
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.
65GF Score
Get the complete analysis for ZFSVF
Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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