The historical rank and industry rank for Zurich Insurance Group AG's ROE % or its related term are showing as below:
XSWX:ZURN'
s ROE % Range Over the Past 10 Years
Min: 9.28 Med: 13.61 Max: 25.03
Current: 25.03
During the past 13 years, Zurich Insurance Group AG's highest ROE % was 25.03%. The lowest was 9.28%. And the median was 13.61%.
XSWX:ZURN's ROE % is ranked better than 87.05% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs XSWX:ZURN: 25.03
Zurich Insurance Group AG (XSWX:ZURN) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's ROE % distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Zurich Insurance Group AG (XSWX:ZURN) has a ROE % of 27.78% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Zurich Insurance Group AG and its competitors. This is 104% above median its historical median of 13.61. Over the past decade, Zurich Insurance Group AG's ROE % has ranged from 9.28 to 25.03. According to the industry distribution chart, Zurich Insurance Group AG ranks #65 out of 502 companies in the Insurance industry, placing it in the top 12.9%.
Is Zurich Insurance Group AG's ROE % too high?
Zurich Insurance Group AG's current ROE % of 27.78% is 104% above median its 10-year median of 13.61. Over the past 10 years, this metric has ranged from a low of 9.28 to a high of 25.03. The Insurance industry median ROE % is 11.73. Zurich Insurance Group AG's value of 27.78% is 136.8% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #65 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #65 out of 502 companies for ROE %. This places Zurich Insurance Group AG in the top 13% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. Zurich Insurance Group AG's value of 27.78% is 136.8% above this benchmark. Historically, Zurich Insurance Group AG's own ROE % has ranged from 9.28 to 25.03 over the past decade. While the company's 10-year median is 13.61 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current ROE % of 27.78% is 136.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current ROE % is 27.78%, which is 104% above median its own 10-year median of 13.61. 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 ROE % is 27.78%, which is 104% above median its 10-year median of 13.61 and 136.8% above the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Zurich Insurance Group AG (XSWX:ZURN), the current ROE % is 27.78% 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:
ROE %: 27.78% (104% above median its 10-year median of 13.61)
GF Value™: CHF466.82 vs. price of CHF585.20 (25.4% above fair value)
Industry Position: 136.8% above the Insurance median (#65 of 502)
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
Get the complete analysis for XSWX:ZURN
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:ZURN has been successfully added to your 
