Zurich Insurance Group AG Ltd - ADR
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+ FollowMarket Cap$115.72B
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Earnings Call Q3 2025
November 6, 2025 - AI Summary
Strong Revenue Growth: Zurich Insurance Group reported record gross written premiums of $38.9 billion in Property & Casualty, marking an 8% year-on-year increase. Retail business contributed significantly with a 16% growth rate, showcasing a robust demand environment and enhanced profitability.
Impressive Profitability Metrics: The Group achieved a combined ratio improvement of approximately 2 points year-over-year in P&C, driven by successful management actions and a more sophisticated approach to pricing, customer segmentation, and claims management. Notably, the motor book's combined ratio improved by nearly 5 points.
Farmers Exchanges Transition: Farmers Exchanges reported a 5% increase in gross written premiums to $22.6 billion. The significant policy growth of 103,000 new policies over six months indicates a successful transformation. The exchanges maintain a healthy surplus ratio of 50.9% but need to focus on sustainable growth without sacrificing capital.
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$12.20
68.7% downside
Current Fair Value
68.7% downsideOvervalued by 68.7% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $115.72 Billion |
|---|---|
| Enterprise Value | $124.37 Billion |
| Annual dividend | $1.92 |
| Dividend yield | 4.58% |
| Earnings per Share | $2.4 |
| Beta | 0.32 |
| Outstanding Shares | 2,942,954,120 |
Return
| Return on Equity | 33.52% |
|---|---|
| Return on Assets | 2.50% |
| Return on Invested Capital | 3.82% |
Valuation & Multiples
| P/E Ratio | 10.51 |
|---|---|
| PEG | 8.2 |
| Price to Sales | 0.83 |
| Price to Book Ratio | 3.55 |
| Enterprise Value to Revenue | 0.89 |
| Enterprise Value to EBIT | 7.74 |
| Enterprise Value to Net Income | 11 |
| Total Debt to Enterprise | 0.12 |
| Debt to Equity | 0.49 |
Revenue Sources
No data
Last Earnings Call
Report Date
August 6, 2026
EPS
$1.14
Est. $1.21Revenue
$24.97 B
Est. $24.33 BNext Earnings Call
Expected Date
February 11, 2027
EPS Estimate
$1.16
Consensus analyst estimateRevenue Estimate
$27.76 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.00000% |
|---|---|
| Total Calls | - |
| Total Puts | - |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.00%▼ 0.01% |
|---|---|
| Total Invested | $3.13M▼ 71.79% |
| Investors Holding | 11▼ 5.00% |
About Zurich Insurance Group AG Ltd
60,000 employees
CEO: Mario Greco
Zurich Insurance Group AG provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. It operates through Property & Casualty Regions, Life Regions, and Farmers...