The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-06-25), Zurich Insurance Group AG's share price is CHF585.20.
Zurich Insurance Group AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was CHF37.96. Therefore, Zurich Insurance Group AG's PE Ratio for today is 15.42.
Good Sign:
Zurich Insurance Group AG stock PE Ratio (=15.32) is close to 3-year low of 14.09.
During the past 13 years, Zurich Insurance Group AG's highest PE Ratio was 22.94. The lowest was 10.15. And the median was 15.60.
During the past 12 months, Zurich Insurance Group AG's average EPS without NRIGrowth Rate was 6.70% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 13.90% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 9.10% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 8.10% per year.
During the past 13 years, Zurich Insurance Group AG's highest 3-Year average EPS without NRI Growth Rate was 32.50% per year. The lowest was -27.20% per year. And the median was 2.30% per year.
Zurich Insurance Group AG (XSWX:ZURN) PE Ratio Explanation
The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.
If a company loses money, the PE Ratio becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.
Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratios are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.
PE Ratio can also be affected by non-recurring-items 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 PE Ratio Related Terms
Zurich Insurance Group AG 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.
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's PE Ratio, along with its competitors' market caps and 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 PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's PE Ratio distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's PE Ratio falls into.
The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Zurich Insurance Group AG's Share Price of today is CHF585.20.
For company reported semi-annually, Zurich Insurance Group AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was CHF37.96.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio, the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Zurich Insurance Group AG (XSWX:ZURN) has a PE Ratio of 15.42 as of Jun. 25, 2026. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Zurich Insurance Group AG and its competitors. This is near median its historical median of 15.60. Over the past decade, Zurich Insurance Group AG's PE Ratio has ranged from 10.15 to 22.94.
Is Zurich Insurance Group AG's PE Ratio too high?
Zurich Insurance Group AG's current PE Ratio of 15.42 is near median its 10-year median of 15.60. Over the past 10 years, this metric has ranged from a low of 10.15 to a high of 22.94. Overall, Zurich Insurance Group AG has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's PE Ratio compare to BRK.A and AIG?
Zurich Insurance Group AG's PE Ratio of 15.42 can be compared against companies in the Insurance industry. Historically, Zurich Insurance Group AG's own PE Ratio has ranged from 10.15 to 22.94 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PE Ratio for an Insurance company?
A good PE Ratio depends on the Insurance industry context. However, PE Ratio 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 PE Ratio mean?
A high PE Ratio can signal that a stock is expensive relative to its fundamentals. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Zurich Insurance Group AG and its competitors. Zurich Insurance Group AG's current PE Ratio is 15.42, which is near median its own 10-year median of 15.60. 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 (XSWX:ZURN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF466.82, compared to a current price of CHF585.20 — trading 25.4% above its estimated fair value. The current PE Ratio is 15.42, which is near median its 10-year median of 15.60. Zurich Insurance Group AG's overall GF Score™ is 76/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio calculated?
PE Ratio is calculated from a company's financial statements. For Zurich Insurance Group AG (XSWX:ZURN), the current PE Ratio is 15.42 as of Jun. 25, 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 (XSWX:ZURN) Overvalued in 2026?
Based on GuruFocus' analysis, Zurich Insurance Group AG stock appears to be overvalued.
The current stock price of CHF585.20 is trading 25.4% above its estimated GF Value™ of CHF466.82.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for XSWX:ZURN:
PE Ratio: 15.42 (near median its 10-year median of 15.60)
GF Value™: CHF466.82 vs. price of CHF585.20 (25.4% above fair value)
No single metric tells the full story. See the XSWX:ZURN 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.
76GF Score
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