ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Zurich Insurance Group AG's annualizedNet Income for the quarter that ended in Dec. 2025 was CHF5,950 Mil.
Zurich Insurance Group AG's average Total Assets over the quarter that ended in Dec. 2025 was CHF321,863 Mil. Therefore, Zurich Insurance Group AG's annualized ROA % for the quarter that ended in Dec. 2025 was 1.85%.
The historical rank and industry rank for Zurich Insurance Group AG's ROA % or its related term are showing as below:
XSWX:ZURN'
s ROA % Range Over the Past 10 Years
Min: 0.74 Med: 1.06 Max: 1.7
Current: 1.7
During the past 13 years, Zurich Insurance Group AG's highest ROA % was 1.70%. The lowest was 0.74%. And the median was 1.06%.
XSWX:ZURN's ROA % is ranked worse than 63.24% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs XSWX:ZURN: 1.70
Zurich Insurance Group AG (XSWX:ZURN) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's ROA % distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Zurich Insurance Group AG (XSWX:ZURN) has a ROA % of 1.85% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Zurich Insurance Group AG and its competitors. This is 75% above median its historical median of 1.06. Over the past decade, Zurich Insurance Group AG's ROA % has ranged from 0.74 to 1.70. According to the industry distribution chart, Zurich Insurance Group AG ranks #320 out of 506 companies in the Insurance industry, placing it in the top 63.2%.
Is Zurich Insurance Group AG's ROA % too high?
Zurich Insurance Group AG's current ROA % of 1.85% is 75% above median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 1.70. The Insurance industry median ROA % is 2.70. Zurich Insurance Group AG's value of 1.85% is 31.5% below this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #320 out of 506 companies in the Insurance industry, which is below the industry midpoint. 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 ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #320 out of 506 companies for ROA %. This places Zurich Insurance Group AG in the lower half of its industry. The industry median ROA % is 2.70. Zurich Insurance Group AG's value of 1.85% is 31.5% below this benchmark. Historically, Zurich Insurance Group AG's own ROA % has ranged from 0.74 to 1.70 over the past decade. While the company's 10-year median is 1.06 vs. the industry median of 2.70, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current ROA % of 1.85% is 31.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current ROA % is 1.85%, which is 75% above median its own 10-year median of 1.06. 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 ROA % is 1.85%, which is 75% above median its 10-year median of 1.06 and 31.5% below the Insurance industry median of 2.70. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Zurich Insurance Group AG (XSWX:ZURN), the current ROA % is 1.85% 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 (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:
ROA %: 1.85% (75% above median its 10-year median of 1.06)
GF Value™: CHF466.82 vs. price of CHF585.20 (25.4% above fair value)
Industry Position: 31.5% below the Insurance median (#320 of 506)
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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