Zurich Insurance Group AGZFSVF 74 Pretax Margin % is 10.63% as of Dec. 2025, which is 12% above its 10-year median of 9.50. GuruFocus rates ZFSVF with a GF Score™ of 74/100 and a GF Value™ of $594.02 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 501 Insurance companies, Zurich Insurance Group AG ranks worse than 53.69% on this metric.
The historical rank and industry rank for Zurich Insurance Group AG's Pretax Margin % or its related term are showing as below:
ZFSVF'
s Pretax Margin % Range Over the Past 10 Years
Min: 7.9 Med: 9.5 Max: 12.01
Current: 11.33
ZFSVF's Pretax Margin % is ranked worse than 53.69% of 501
companies
in the Insurance industry
Industry Median: 12.04
vs ZFSVF: 11.33
Zurich Insurance Group AG (OTCPK:ZFSVF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Zurich Insurance Group AG Pretax Margin % Related Terms
Zurich Insurance Group AG Pretax Margin % 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.
ZFSVF vs BRK.A, AIG, HIG: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Pretax Margin % falls into.
* 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 Pretax Margin % of 10.63% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Zurich Insurance Group AG and its competitors. This is 12% above median its historical median of 9.50. Over the past decade, Zurich Insurance Group AG's Pretax Margin % has ranged from 7.90 to 12.01. According to the industry distribution chart, Zurich Insurance Group AG ranks #269 out of 501 companies in the Insurance industry, placing it in the top 53.7%.
Is Zurich Insurance Group AG's Pretax Margin % too high?
Zurich Insurance Group AG's current Pretax Margin % of 10.63% is 12% above median its 10-year median of 9.50. Over the past 10 years, this metric has ranged from a low of 7.90 to a high of 12.01. The Insurance industry median Pretax Margin % is 12.04. Zurich Insurance Group AG's value of 10.63% is 11.7% below this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #269 out of 501 companies in the Insurance industry, which is below the industry midpoint. Overall, Zurich Insurance Group AG has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #269 out of 501 companies for Pretax Margin %. This places Zurich Insurance Group AG in the lower half of its industry. The industry median Pretax Margin % is 12.04. Zurich Insurance Group AG's value of 10.63% is 11.7% below this benchmark. Historically, Zurich Insurance Group AG's own Pretax Margin % has ranged from 7.90 to 12.01 over the past decade. While the company's 10-year median is 9.50 vs. the industry median of 12.04, Zurich Insurance Group AG has consistently been below 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.04, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current Pretax Margin % of 10.63% is 11.7% below 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median Pretax Margin % is 12.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current Pretax Margin % is 10.63%, which is 12% above median its own 10-year median of 9.50. 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 $594.02, compared to a current price of $700.25 — trading 17.9% above its estimated fair value. The current Pretax Margin % is 10.63%, which is 12% above median its 10-year median of 9.50 and 11.7% below the Insurance industry median of 12.04. Zurich Insurance Group AG's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Pretax Margin % is 10.63% 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 $700.25 is trading 17.9% above its estimated GF Value™ of $594.02.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for ZFSVF:
Pretax Margin %: 10.63% (12% above median its 10-year median of 9.50)
GF Value™: $594.02 vs. price of $700.25 (17.9% above fair value)
Industry Position: 11.7% below the Insurance median (#269 of 501)
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.
74GF Score
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