Zurich Insurance Group AG Ltd - ADR

Zurich Insurance Group AG Ltd - ADR

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Market Cap$106.65B
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Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Zurich Insurance Group AG Ltd - ADRZurich Insurance Group AG Ltd - ADR12.45.21%34%0.80.7

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

Current Fair Value

66.2% downside

Overvalued by 66.2% based on the discounted cash flow analysis.

Share Statistics

Market cap$106.65 Billion
Enterprise Value$118.22 Billion
Dividend Yield$1.92 (5.21%)
Earnings per Share$2.4
Beta0.33
Outstanding Shares2,845,567,200

Return

Return on Equity33.50%ROE
Return on Assets2.10%
Return on Invested Capital3.23%

Valuation & Multiples

P/E Ratio12.38P/E Ratio
PEG35.3PEG
Price to Sales0.82Price to Sales
Price to Book Ratio3.61Price to Book Ratio
Enterprise Value to Revenue0.93
Enterprise Value to EBIT8.04
Enterprise Value to Net Income12
Total Debt to Enterprise0.16
Debt to Equity0.65Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 13, 2026
EPS Estimate
$0.81
Average shareholder expectation
Revenue Estimate
$20.04 B
Average shareholder expectation

Next Earnings Call

Expected Date
August 6, 2026
EPS Estimate
$1.17
Average shareholder expectation
Revenue Estimate
$24.33 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.00000%
Total Calls-
Total Puts-

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %0.01% 0.01%
Total Invested$11.55M 5.45%
Investors Holding16 3.00%

ESG Score

No data

About Zurich Insurance Group AG Ltd

CEO: Mario Greco

Relevant Senate Committees

Joint Committee on Taxation

This committee's role in developing and analyzing tax legislation, including providing official revenue estimates, directly shapes the corporate tax environment, significantly impacting an insurer's financial planning and profitability.

Finance

This committee directly controls taxation and trade policy, which are critically important for an insurer's profitability, capital management, investment strategies, and global operational framework.

Banking, Housing, and Urban Affairs

This committee directly regulates the broader financial system, including financial stability oversight, bank capital, and real estate markets. These areas are fundamental to an insurer's investment portfolio, capital requirements, and core property insurance business.

Environment and Public Works

This committee's regulations on the EPA and public works directly affect environmental risks (e.g., climate change impacts on property), infrastructure projects (construction liability), and regulatory costs for sectors that P&C insurers cover, thus impacting underwriting and claims.

Foreign Relations

As a global insurer, Zurich is directly impacted by U.S. foreign policy, sanctions, and global market stability, which influence international risk exposure, investment portfolios, and claims related to geopolitical events.