Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Zurich Insurance Group AG's 3-Year RORE % for the quarter that ended in Dec. 2025 was 62.79%.
The industry rank for Zurich Insurance Group AG's 3-Year RORE % or its related term are showing as below:
ZFSVF's 3-Year RORE % is ranked better than 85.71% of 476
companies
in the Insurance industry
Industry Median: 11.865
vs ZFSVF: 62.79
Zurich Insurance Group AG (OTCPK:ZFSVF) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Zurich Insurance Group AG 3-Year RORE % Related Terms
Zurich Insurance Group AG 3-Year RORE % 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: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Zurich Insurance Group AG (ZFSVF) has a 3-Year RORE % of 62.79 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Zurich Insurance Group AG and its competitors. According to the industry distribution chart, Zurich Insurance Group AG ranks #68 out of 476 companies in the Insurance industry, placing it in the top 14.3%.
Is Zurich Insurance Group AG's 3-Year RORE % too high?
Zurich Insurance Group AG's current 3-Year RORE % is 62.79. The Insurance industry median 3-Year RORE % is 11.87. Zurich Insurance Group AG's value of 62.79 is 429.2% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #68 out of 476 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 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #68 out of 476 companies for 3-Year RORE %. This places Zurich Insurance Group AG in the top 14% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.87. Zurich Insurance Group AG's value of 62.79 is 429.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.87, based on 476 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current 3-Year RORE % of 62.79 is 429.2% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current 3-Year RORE % is 62.79. 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 $590.95, compared to a current price of $731.82 — trading 23.8% above its estimated fair value. The current 3-Year RORE % is 62.79 and 429.2% above the Insurance industry median of 11.87. Zurich Insurance Group AG's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current 3-Year RORE % is 62.79 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 $731.82 is trading 23.8% above its estimated GF Value™ of $590.95.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for ZFSVF:
3-Year RORE %: 62.79
GF Value™: $590.95 vs. price of $731.82 (23.8% above fair value)
Industry Position: 429.2% above the Insurance median (#68 of 476)
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.
64GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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