-0.54%
1.61%
8.42%
14.61%
26.12%
25.66%
38.21%
AI Spotlight on ZURN
Company Description
Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific.The company operates through Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses segments.It offers car, home, travel, general liability, life and critical illness, worker injury, and other insurance products; and saving and investment, and pension and retirement planning products.
The company also provides property, casualty, management or professional liability, trade credit, political risk, marine, cyber risk, and financial institution insurance products.In addition, it offers employee benefit insurance products; reinsurance services; and non-claims and ancillary services to the farmers' exchanges.It serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations.
The company sells its products through agents, brokers, and bank distribution channels.Zurich Insurance Group AG was founded in 1872 and is based in Zurich, Switzerland.
Market Data
| Last Price | 553.8 |
| Change Percentage | -0.54% |
| Open | 557.8 |
| Previous Close | 556.8 |
| Market Cap ( Millions) | 78512 |
| Volume | 333034 |
| Year High | 564 |
| Year Low | 428.2 |
| M A 50 | 544.93 |
| M A 200 | 501.52 |
Financial Ratios
| FCF Yield | 8.66% |
| Dividend Yield | 4.69% |
| ROE | 19.95% |
| Debt / Equity | 49.87% |
| Net Debt / EBIDTA | 15.22% |
| Price To Book | 3.67 |
| Price Earnings Ratio | 18.14 |
| Price To FCF | 11.54 |
| Price To sales | 1.12 |
| EV / EBITDA | 2.57 |
News
- Jan -07 - Zurich, ComfortDelGro team up on travel insurance
- Dec -03 - Zurich Insurance completes acquisition of AIG’s global personal travel insurance
- Nov -28 - Zurich unveils new climate risk management solution
- Nov -22 - Zurich Insurance targets core ROE of over 23% for 2025-2027
- Nov -20 - FTSE 100 and European-listed stocks to own in 2025, according to Barclays
- Nov -07 - Zurich Insurance Expects Modest Hit From Hurricanes
- Nov -07 - Zurich forecasts Hurricanes Helene, Milton impact below $360 million as catastrophe losses rise
- Oct -09 - Zurich Insurance Group AG (ZFSVF) (Q2 2024) Earnings Call Highlights: Record Profits and ...
- Oct -08 - AGESY vs. ZURVY: Which Stock Is the Better Value Option?
- Sep -19 - MET vs. ZURVY: Which Stock Is the Better Value Option?
- Sep -05 - Marsh McLennan and Zurich Urge Public-Private Action to Bridge Cyber Protection Gap and Boost Resilience
- Sep -04 - Zurich names Arooran Sivasubramaniam as Head of Zurich Resilience Solutions North America
- Aug -22 - 25 US States With the Biggest Risk of Flooding
- Aug -19 - Zurich Singapore appoints new head of Accident & Health
- Aug -08 - Zurich insurance posts record profits, but shares dip on catastrophe worries
- Aug -08 - Zurich Insurance Reports Market-Beating Earnings
- Jul -26 - Cowbell Secures $60 million Series C Funding from Zurich Insurance Group to Scale Up Operations and Advance Global SME Cyber Adoption
- Jun -28 - The City With The Longest Coastline in the World
- Jun -26 - Financial Services Roundup: Market Talk
- Jun -26 - Zurich Insurance buys AIG travel business in $600 million deal
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Property & Casualty
Expected Growth : 4.7 %
What the company do ?
Property & Casualty from Zurich Insurance Group AG provides insurance coverage for individuals and businesses, protecting against risks such as accidents, natural disasters, and liability.
Why we expect these perspectives ?
Zurich Insurance Group AG's Property & Casualty segment growth of 4.7% is driven by increasing demand for risk management solutions, expansion in emerging markets, and strategic partnerships. Additionally, investments in digitalization and data analytics have improved underwriting capabilities, leading to better risk selection and pricing. Furthermore, a favorable claims environment and strong brand reputation have contributed to the segment's growth.
Segment n°2 -> Life
Expected Growth : 5.45 %
What the company do ?
Life from Zurich Insurance Group AG is a leading global insurer providing life insurance, pensions, and investments to individuals and businesses.
Why we expect these perspectives ?
Zurich Insurance Group AG's 5.45% growth in Life segment is driven by increasing demand for protection and retirement solutions, expansion in emerging markets, and strategic partnerships. Additionally, the company's digital transformation efforts, improved underwriting, and effective cost management have contributed to the growth.
Segment n°3 -> Farmers
Expected Growth : 4.65 %
What the company do ?
Farmers from Zurich Insurance Group AG is a Swiss insurance company providing a range of insurance products and services to individuals and businesses.
Why we expect these perspectives ?
Farmers from Zurich Insurance Group AG's 4.65% growth is driven by increasing demand for crop insurance, favorable weather conditions, and government subsidies. Additionally, the company's digitalization efforts, expansion into new markets, and strategic partnerships have contributed to its growth. Furthermore, the rising awareness of climate-related risks and the need for risk management solutions have also boosted the segment's growth.
Segment n°4 -> Eliminations
Expected Growth : 4.78 %
What the company do ?
Eliminations from Zurich Insurance Group AG refer to the removal of inter-company transactions and balances to present a consolidated financial statement.
Why we expect these perspectives ?
Zurich Insurance Group AG's 4.78% growth is driven by strategic acquisitions, expansion into emerging markets, and a strong focus on digital transformation. Additionally, the company's diversified business model, cost savings initiatives, and favorable regulatory environment contribute to its growth momentum.
Segment n°5 -> Group Functions and Operations
Expected Growth : 4.58 %
What the company do ?
Group Functions and Operations from Zurich Insurance Group AG refers to the centralized units that provide strategic guidance, risk management, and operational support to the organization.
Why we expect these perspectives ?
Zurich Insurance Group AG's 4.58% growth in Group Functions and Operations is driven by strategic cost management, operational efficiencies, and investments in digitalization. Additionally, the company's focus on customer-centricity, risk management, and expansion into emerging markets have contributed to this growth.
Segment n°6 -> Non-core Businesses
Expected Growth : 4.65 %
What the company do ?
Non-core Businesses from Zurich Insurance Group AG refers to the company's divested or discontinued operations, such as its Farm Insurance business in the US, which are no longer part of its core business.
Why we expect these perspectives ?
Zurich Insurance Group AG's non-core businesses have achieved a growth rate of 4.65% driven by strategic divestments, improved operational efficiency, and a focus on high-margin businesses. Additionally, the company's efforts to simplify its portfolio and reduce complexity have contributed to this growth. Furthermore, the group's ability to effectively manage its capital and optimize its balance sheet has also supported this growth.
Zurich Insurance Group Ag Products
| Product Range | What is it ? |
|---|---|
| Life Insurance | Provides financial protection to beneficiaries in the event of death, and can also provide a savings component to help achieve long-term financial goals. |
| General Insurance | Covers individuals and businesses against various types of risks, including property damage, liability, and business interruption. |
| Investments | Offers a range of investment products, including mutual funds, exchange-traded funds, and variable life insurance, to help individuals and institutions achieve their investment goals. |
| Risk Management | Provides risk assessment, mitigation, and management services to help businesses identify and manage risks, and implement effective risk management strategies. |
| Employee Benefits | Offers a range of employee benefits, including group life, disability, and health insurance, to help employers attract and retain top talent. |
| Reinsurance | Provides reinsurance solutions to help insurers and reinsurers manage their risk exposure, improve capital efficiency, and enhance their financial performance. |
Zurich Insurance Group AG's Porter Forces
Threat Of Substitutes
Zurich Insurance Group AG operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand reputation and diversified product offerings mitigate the threat of substitutes to some extent.
Bargaining Power Of Customers
Zurich Insurance Group AG has a large customer base, which reduces the bargaining power of individual customers. Additionally, the company's diversified product offerings and strong brand reputation reduce the customers' ability to negotiate prices.
Bargaining Power Of Suppliers
Zurich Insurance Group AG has a diversified supply chain, which reduces the bargaining power of individual suppliers. The company's strong financial position and large scale of operations also give it negotiating power over its suppliers.
Threat Of New Entrants
The insurance industry has high barriers to entry, including regulatory hurdles and the need for significant capital investments. This limits the threat of new entrants and gives Zurich Insurance Group AG a competitive advantage.
Intensity Of Rivalry
The insurance industry is highly competitive, with many established players competing for market share. Zurich Insurance Group AG faces intense competition from other insurance companies, which can lead to pricing pressures and reduced market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 38.34% |
| Debt Cost | 4.04% |
| Equity Weight | 61.66% |
| Equity Cost | 6.77% |
| WACC | 5.72% |
| Leverage | 62.17% |
Zurich Insurance Group AG : Quality Control
Zurich Insurance Group AG passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| TLX.DE | Talanx AG provides insurance and reinsurance products and services worldwide. The company offers life, casualty, liability, motor, aviation, legal protection, fire, burglary and theft, water damage, plate glass, windstorm, comprehensive … |
| CS.PA | AXA SA, through its subsidiaries, provides insurance, asset management, and banking services worldwide. The company operates through France, Europe, Asia, AXA XL, International, and Transversal & Central Holdings segments. It … |
| G.MI | Assicurazioni Generali S.p.A. provides various insurance solutions. The company operates through four segments: Non-Life; Life; Asset Management; and Holding and Other Business. It offers saving and protection insurance products for … |
| SLHN.SW | Swiss Life Holding AG provides life insurance, risk, pensions, and financial solutions for private and corporate clients. It operates through Switzerland, France, Germany, International, and Asset Managers segments. The company … |
| ALV.DE | Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide. The company's Property-Casualty segment offers various insurance products, including motor liability and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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