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Zurich Insurance Group AGZFSVF -2.43%76 Shiller PE Ratio is 20.16 as of Aug. 23, 2026, which is 17% above its 10-year median of 17.18. GuruFocus rates ZFSVF with a GF Score™ of 76/100 and a GF Value™ of $681.27 (Fairly Valued). The stock has 3 warning signs investors should review. Among 373 Insurance companies, Zurich Insurance Group AG ranks worse than 65.15% on this metric.
The historical rank and industry rank for Zurich Insurance Group AG's Shiller PE Ratio or its related term are showing as below:
ZFSVF'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.24 Med: 17.18 Max: 24.13
Current: 20.78
During the past 13 years, Zurich Insurance Group AG's highest Shiller PE Ratio was 24.13. The lowest was 9.24. And the median was 17.18.
ZFSVF's Shiller PE Ratio is ranked worse than 65.15% of 373
companies
in the Insurance industry
Industry Median: 16.63
vs ZFSVF: 20.78
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Zurich Insurance Group AG's adjusted earnings per share data of for the fiscal year that ended in Dec25 was $47.200. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $35.71 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Zurich Insurance Group AG (OTCPK:ZFSVF) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Zurich Insurance Group AG Shiller PE Ratio Related Terms
Zurich Insurance Group AG Shiller 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.
ZFSVF vs BRK.A, AIG, HIG: Shiller PE Ratio Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Shiller PE Ratio, along with its competitors' market caps and Shiller 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 Shiller PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Shiller PE Ratio falls into.
Zurich Insurance Group AG Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Zurich Insurance Group AG (ZFSVF) has a Shiller PE Ratio of 20.16 as of Aug. 23, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Zurich Insurance Group AG and its competitors. This is 17% above median its historical median of 17.18. Over the past decade, Zurich Insurance Group AG's Shiller PE Ratio has ranged from 9.24 to 24.13. According to the industry distribution chart, Zurich Insurance Group AG ranks #243 out of 373 companies in the Insurance industry, placing it in the top 65.1%.
Is Zurich Insurance Group AG's Shiller PE Ratio too high?
Zurich Insurance Group AG's current Shiller PE Ratio of 20.16 is 17% above median its 10-year median of 17.18. Over the past 10 years, this metric has ranged from a low of 9.24 to a high of 24.13. The Insurance industry median Shiller PE Ratio is 16.63. Zurich Insurance Group AG's value of 20.16 is 21.2% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #243 out of 373 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Shiller PE Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #243 out of 373 companies for Shiller PE Ratio. This places Zurich Insurance Group AG in the lower half of its industry. The industry median Shiller PE Ratio is 16.63. Zurich Insurance Group AG's value of 20.16 is 21.2% above this benchmark. Historically, Zurich Insurance Group AG's own Shiller PE Ratio has ranged from 9.24 to 24.13 over the past decade. While the company's 10-year median is 17.18 vs. the industry median of 16.63, 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 Shiller PE Ratio for an Insurance company?
The median Shiller PE Ratio among Insurance companies is 16.63, based on 373 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current Shiller PE Ratio of 20.16 is 21.2% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median Shiller PE Ratio is 16.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current Shiller PE Ratio is 20.16, which is 17% above median its own 10-year median of 17.18. 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 Fairly Valued. The stock's GF Value™ is $681.27, compared to a current price of $720.00 — trading 5.7% above its estimated fair value. The current Shiller PE Ratio is 20.16, which is 17% above median its 10-year median of 17.18 and 21.2% above the Insurance industry median of 16.63. Zurich Insurance Group AG's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Zurich Insurance Group AG (ZFSVF), the current Shiller PE Ratio is 20.16 as of Aug. 23, 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 (ZFSVF) Overvalued in 2026?
Based on GuruFocus' analysis, Zurich Insurance Group AG stock appears to be overvalued.
The current stock price of $720.00 is trading 5.7% above its estimated GF Value™ of $681.27.
GuruFocus considers Zurich Insurance Group AG to be Fairly Valued.
Key valuation signals for ZFSVF:
Shiller PE Ratio: 20.16 (17% above median its 10-year median of 17.18)
GF Value™: $681.27 vs. price of $720.00 (5.7% above fair value)
Industry Position: 21.2% above the Insurance median (#243 of 373)
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.
76GF Score
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