ZFSVF (Zurich Insurance Group AG) Long-Term Debt: $14,021 Mil (As of Dec. 2025)


ZFSVF Zurich Insurance Group AG ZFSVF
65 GF Score
Price $729.00
GF Value $590.57
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Zurich Insurance Group AG Long-Term Debt?

Zurich Insurance Group AG ZFSVF -0.38% 65 Long-Term Debt is $14,021 Mil as of Dec. 2025. GuruFocus rates ZFSVF with a GF Score™ of 65/100 and a GF Value™ of $590.57 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Zurich Insurance Group AG's Long-Term Debt for the quarter that ended in Dec. 2025 was $14,021 Mil.

Zurich Insurance Group AG's quarterly Long-Term Debt increased from Dec. 2024 ($12,721 Mil) to Jun. 2025 ($14,327 Mil) but then declined from Jun. 2025 ($14,327 Mil) to Dec. 2025 ($14,021 Mil).

Zurich Insurance Group AG's annual Long-Term Debt increased from Dec. 2023 ($12,519 Mil) to Dec. 2024 ($12,721 Mil) and increased from Dec. 2024 ($12,721 Mil) to Dec. 2025 ($14,021 Mil).

Zurich Insurance Group AG  (OTCPK:ZFSVF) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Zurich Insurance Group AG Long-Term Debt Related Terms

Zurich Insurance Group AG Long-Term Debt Historical Data

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The historical data trend for Zurich Insurance Group AG's Long-Term Debt 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 Long-Term Debt Chart

Zurich Insurance Group AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15,109.00 13,591.00 12,519.00 12,721.00 14,021.00

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
Long-Term Debt 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 12,519.00 12,228.00 12,721.00 14,327.00 14,021.00
ZFSVF
65GF Score
Zurich Insurance Group AG ZFSVF
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $14,021 Mil mean?
Zurich Insurance Group AG (ZFSVF) has a Long-Term Debt of $14,021 Mil as of Dec. 2025.
Is Zurich Insurance Group AG's Long-Term Debt too high?
Zurich Insurance Group AG's current Long-Term Debt is $14,021 Mil. 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 Long-Term Debt compare to BRK.A and AIG?
Zurich Insurance Group AG's Long-Term Debt of $14,021 Mil 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 Long-Term Debt for an Insurance company?
A good Long-Term Debt depends on the Insurance industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Zurich Insurance Group AG's current Long-Term Debt is $14,021 Mil. 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 $590.57, compared to a current price of $729.00 — trading 23.4% above its estimated fair value. The current Long-Term Debt is $14,021 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Long-Term Debt is $14,021 Mil 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 $729.00 is trading 23.4% above its estimated GF Value™ of $590.57. GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.

Key valuation signals for ZFSVF:

  • Long-Term Debt: $14,021 Mil
  • GF Value™: $590.57 vs. price of $729.00 (23.4% above fair value)
  • GF Score™: 65/100 with 5 warning signs

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 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.
65GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$729.00
Price
$590.57
GF Value