Zurich Insurance Group AGHAM:ZFIN +0.54%71 Interest Coverage is 23.14 as of Dec. 2025, which is 56% above its 10-year median of 14.84. GuruFocus rates HAM:ZFIN with a GF Score™ of 71/100 and a GF Value™ of €505.48 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 353 Insurance companies, Zurich Insurance Group AG ranks better than 58.92% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Zurich Insurance Group AG's
EBIT
for the
six
months ended in Dec. 2025 was €4,921 Mil. Zurich Insurance Group AG's Interest Expense for the
six
months ended in Dec. 2025 was €-213 Mil.
Zurich Insurance Group AG's interest coverage for the quarter that ended in Dec. 2025 was 23.14.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Zurich Insurance Group AG's Interest Coverage or its related term are showing as below:
HAM:ZFIN'
s Interest Coverage Range Over the Past 10 Years
Min: 13.1 Med: 14.84 Max: 22.83
Current: 22.82
HAM:ZFIN's Interest Coverage is ranked better than 58.92% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs HAM:ZFIN: 22.82
Zurich Insurance Group AG (HAM:ZFIN) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Zurich Insurance Group AG Interest Coverage Related Terms
Zurich Insurance Group AG Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
HAM:ZFIN vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Interest Coverage falls into.
Zurich Insurance Group AG Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (HAM:ZFIN) has a Interest Coverage of 23.14 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Zurich Insurance Group AG and its competitors. This is 56% above median its historical median of 14.84. Over the past decade, Zurich Insurance Group AG's Interest Coverage has ranged from 13.10 to 22.83. According to the industry distribution chart, Zurich Insurance Group AG ranks #145 out of 353 companies in the Insurance industry, placing it in the top 41.1%.
Is Zurich Insurance Group AG's Interest Coverage too high?
Zurich Insurance Group AG's current Interest Coverage of 23.14 is 56% above median its 10-year median of 14.84. Over the past 10 years, this metric has ranged from a low of 13.10 to a high of 22.83. The Insurance industry median Interest Coverage is 16.26. Zurich Insurance Group AG's value of 23.14 is 42.3% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #145 out of 353 companies in the Insurance industry, which is above the industry midpoint. Overall, Zurich Insurance Group AG has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #145 out of 353 companies for Interest Coverage. This puts Zurich Insurance Group AG in the upper half of its industry. The industry median Interest Coverage is 16.26. Zurich Insurance Group AG's value of 23.14 is 42.3% above this benchmark. Historically, Zurich Insurance Group AG's own Interest Coverage has ranged from 13.10 to 22.83 over the past decade. While the company's 10-year median is 14.84 vs. the industry median of 16.26, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.26, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current Interest Coverage of 23.14 is 42.3% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current Interest Coverage is 23.14, which is 56% above median its own 10-year median of 14.84. 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 €505.48, compared to a current price of €638.20 — trading 26.3% above its estimated fair value. The current Interest Coverage is 23.14, which is 56% above median its 10-year median of 14.84 and 42.3% above the Insurance industry median of 16.26. Zurich Insurance Group AG's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Zurich Insurance Group AG (HAM:ZFIN), the current Interest Coverage is 23.14 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 €638.20 is trading 26.3% above its estimated GF Value™ of €505.48.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for HAM:ZFIN:
Interest Coverage: 23.14 (56% above median its 10-year median of 14.84)
GF Value™: €505.48 vs. price of €638.20 (26.3% above fair value)
Industry Position: 42.3% above the Insurance median (#145 of 353)
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 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.
71GF Score
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