Zurich Insurance Group AGHAM:ZFIN +0.76%76 Dividend Yield % is 5.13% as of Jun. 24, 2026, which is 3% above its 10-year median of 4.98. GuruFocus rates HAM:ZFIN with a GF Score™ of 76/100 and a GF Value™ of €505.94 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 424 Insurance companies, Zurich Insurance Group AG ranks better than 77.36% on this metric.
If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of Zurich Insurance Group AG is 0.73, which seems too high.
During the past 13 years, the highest Dividend Payout Ratio of Zurich Insurance Group AG was 0.88. The lowest was 0.67. And the median was 0.78.
During the past 12 months, Zurich Insurance Group AG's average Dividends Per Share Growth Rate was 6.50% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 8.70% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 8.00% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 4.50% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Zurich Insurance Group AG was 29.80% per year. The lowest was -19.00% per year. And the median was 3.40% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Zurich Insurance Group AG (HAM:ZFIN) Dividend Yield % Explanation
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
* 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.
HAM:ZFIN vs BRK.A, AIG, HIG: Dividend Yield % Comparison
For the Insurance - Diversified subindustry, Zurich Insurance Group AG's Dividend Yield %, along with its competitors' market caps and Dividend Yield % 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 Dividend Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Insurance Group AG's Dividend Yield % distribution charts can be found below:
* The bar in red indicates where Zurich Insurance Group AG's Dividend Yield % falls into.
Zurich Insurance Group AG Dividend Yield % Calculation
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
Zurich Insurance Group AG Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
CHF 30.000000
2026-04-10
2026-04-13
2026-04-14
Cash Dividend
annually
CHF:EUR 1.077613
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
* 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 (HAM:ZFIN) has a Dividend Yield % of 5.13% as of Jun. 24, 2026. Dividend yield is the ratio of company dividends to the share price. View historical data on Zurich Insurance Group AG and its competitors. This is near median its historical median of 4.98. Over the past decade, Zurich Insurance Group AG's Dividend Yield % has ranged from 4.09 to 7.70. According to the industry distribution chart, Zurich Insurance Group AG ranks #96 out of 424 companies in the Insurance industry, placing it in the top 22.6%.
Is Zurich Insurance Group AG's Dividend Yield % too high?
Zurich Insurance Group AG's current Dividend Yield % of 5.13% is near median its 10-year median of 4.98. Over the past 10 years, this metric has ranged from a low of 4.09 to a high of 7.70. The Insurance industry median Dividend Yield % is 3.28. Zurich Insurance Group AG's value of 5.13% is 56.4% above this industry median. Based on the distribution chart, Zurich Insurance Group AG ranks #96 out of 424 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 Dividend Yield % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #96 out of 424 companies for Dividend Yield %. This places Zurich Insurance Group AG in the top 23% of its industry — outperforming the majority of peers. The industry median Dividend Yield % is 3.28. Zurich Insurance Group AG's value of 5.13% is 56.4% above this benchmark. Historically, Zurich Insurance Group AG's own Dividend Yield % has ranged from 4.09 to 7.70 over the past decade. While the company's 10-year median is 4.98 vs. the industry median of 3.28, 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 Dividend Yield % for an Insurance company?
The median Dividend Yield % among Insurance companies is 3.28, based on 424 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Insurance Group AG's current Dividend Yield % of 5.13% is 56.4% 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 Dividend Yield % mean?
A high Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Dividend yield is the ratio of company dividends to the share price. View historical data on Zurich Insurance Group AG and its competitors. For the Insurance industry, the median Dividend Yield % is 3.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Insurance Group AG's current Dividend Yield % is 5.13%, which is near median its own 10-year median of 4.98. 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 (HAM:ZFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is €505.94, compared to a current price of €634.20 — trading 25.4% above its estimated fair value. The current Dividend Yield % is 5.13%, which is near median its 10-year median of 4.98 and 56.4% above the Insurance industry median of 3.28. 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 Dividend Yield % calculated?
Dividend Yield % is calculated from a company's financial statements. For Zurich Insurance Group AG (HAM:ZFIN), the current Dividend Yield % is 5.13% as of Jun. 24, 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 (HAM:ZFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Zurich Insurance Group AG stock appears to be overvalued.
The current stock price of €634.20 is trading 25.4% above its estimated GF Value™ of €505.94.
GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.
Key valuation signals for HAM:ZFIN:
Dividend Yield %: 5.13% (near median its 10-year median of 4.98)
GF Value™: €505.94 vs. price of €634.20 (25.4% above fair value)
Industry Position: 56.4% above the Insurance median (#96 of 424)
No single metric tells the full story. See the HAM:ZFIN 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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