OTC: ZURVY - Zurich Insurance Group AG

Yield per half year: +12.65%
Dividend yield: +4.83%
Sector: Financials

Reporting Zurich Insurance Group AG

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд $												70.01
Выручка, млрд $			67.33	64.05	47.2	72.09	58.92	70.07	41.43	69.96	77.75	77.75
Чистая прибыль, млрд $			3.21	3	3.72	4.15	3.83	5.2	4.6	4.35	5.81	5.81
EV, млрд $					7.8	10.24	8.94	12.92	13.49	10.22	10.37	10.37
EBIT, млрд $	6.85	3.77	5.74	5.62	5.54	6.8	5.74	7.98	6.68
EBITDA, млрд $												6.94
Баланс стоимость, млрд $			30.66	33.06	37.45	38.45	39.02	41.71	26.63	24.86	25.47	25.47
FCF, млрд $				4.68	3.24	4.13	5.15	2.59	4.51	6.93	7.23	7.23
Операционный денежный поток, млрд $			1.47	5.21	4.39	4.88	5.7	3.17	5.08	7.35	7.6	7.6
Операционная прибыль, млрд $	6.85	3.77	5.74	5.62	5.54	6.8
Операционные расходы, млрд $			62.01	58.92	42.09	65.98	53.53	62.74	35.23	63.51	69.28	69.28
CAPEX, млрд $			0.715	0.53	1.15	0.752	0.552	0.576	0.572	0.418	0.37	0.37

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q4	2024Q2	2024Q4	5 quarters average	CAGR 5
Выручка, млрд $							19.69	19.69	16.35	16.35	32.8		31.67		31.94		11.91		28.09		28.23
Чистая прибыль, млрд $													2.1	1.5	2.87	1.1	2.23	1.2	2.48	1.25	2.44	0.9295
EV, млрд $															12.92		13.85		13.49		11.23	10.22	10.8	10.37
EBIT, млрд $												1.76	1.76	2.23	2.23	1.55	1.55	1.79	1.79	1.93	1.93
Баланс стоимость, млрд $													36.45	41.71	41.71	41.44	41.44		26.63		23.84	24.86	24.12	25.47
FCF, млрд $											2.05		1.32		0.3962		2.07		-9.35		9.59
Операционный денежный поток, млрд $												0.622	0.622	0.9615	0.9615	1.42	1.42	1.12	1.12	2.1	2.1
Операционная прибыль, млрд $							1.76	1.76	1.64	1.64	2.29		1.57		0.6755		2.33		-9.05		9.75
Операционные расходы, млрд $	15.05	15.05	12.39	12.39	8.44	8.44	17.93	17.93	14.72	14.72
CAPEX, млрд $												0.138	0.138	0.15	0.15	0.137	0.137	0.149	0.149	0.0875	0.0875

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд $			0.388	8.23	8.65	7.88	11.11	8.7	7.56	7.28	6.77	6.77
Short Term Investments $			0.97	0.153	0.047	152.58	167.11	151.91	106.87	92.97	105.88	105.88
Long term investments $	159.77	147.06	157.1	166.99	157.03	167.3	183.04	164.87	117.97	119.28
Total Receivables $		6.77	7.02	7.57	7.96	8.25	8.35	8.35	8.72	10.39		10.39
Total Current Assets $	52.7	51.82	52.44	85.31	80.32	61.75	70.15	76.51	86.04
Чистые активы, млрд $		1.14	0.953	0.961	30.19	35	38.28	37.88	2.23	26.63		26.63
Активы, млрд $			382.68	422.07	395.34	404.69	439.3	435.83	377.78	361.38	358.01	358.01
Short Term Debt $	0.726	0.2	0.492	0.538	0.82	0.26			0.075	0.297	0.17	0.17
Long Term Debt $			11.21	10.78	12.01	12	13.78	15.11	13.97	13.49	12.72	12.72
Задолженность, млрд $			350.21	387.17	363.54	368.14	399.45	396.66	349.87	335.1	331.07	331.07
Чистый долг, млрд $				2.56	3.36	4.12	2.67	6.41	6.41	6.51	6.12	6.12
Долг, млрд $	10.84	9.69	11.7	11.32	12.83	12.26			14.05	13.79	12.89	12.89
Расходы на обслуживание долга $					0.835	0.991	0.98	1.06	0.434	0.456	0.44	0.44
Чист. проц. доходы, млрд $			-0.898	-0.957	-0.835	-0.991	-0.98	-1.06	-0.434	-0.456
Goodwill $	1.66	1.29	1.8	2.35	2.64	3.61	4.09	4.34	4.42	4.54
Себестоимость, млрд $	57.29	48.14	54.02	51.21	33.91	57.27

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q4	2024Q2	2024Q4	5 quarters average	CAGR 5
Наличность, млрд $											9.25	9.82		6.86		7.93		6.23		7.56		6.44	7.28	6.59	6.77
Short Term Investments $											153.83	167.11		16.23		151.91		111.31		106.87		90.84	92.97	105.93	105.88
Long term investments $									154.97	167.3	167.02	183.04		177		164.87		121.42		117.97		118.69	119.28
Total Receivables $														22.96	8.35	8.35	22.92	22.92	8.97	8.97	9.16	9.16	10.39
Total Current Assets $													70.72	70.72	76.51	76.51	96.8	96.8	86.04	86.04	82.12	82.12
Чистые активы, млрд $													2.54	2.54	76.51	37.88	96.8	27.78	2.23	2.23	2.15	2.15
Активы, млрд $											400.1	439.3		443.43		435.83		386.41		377.78		350.13	361.38	357.88	358.01
Short Term Debt $						0.82	0.411	0.411	0.26	0.26										0.075		0.297	0.297	0.297	0.17
Long Term Debt $											14.01	13.78		14.96		15.11		13.93		13.97		13.9	13.49	13.16	12.72
Задолженность, млрд $											365.34	399.45		405.42		396.66		357.37		349.87		324.79	335.1	332.31	331.07
Чистый долг, млрд $											4.76	2.67		7.54		6.41		7.42		6.41		7.76	6.51	6.87	6.12
Долг, млрд $						11.44	12.58	13.39	11.43	12.26										14.05		14.2	13.79	13.45	12.89
Расходы на обслуживание долга $	0.1005	0.1005	0.0975	0.0975	0.1035	0.1035	0.104	0.104	0.0965	0.0965
Goodwill $									3.61	3.61	3.89	4.09		4.29		4.34		4.23		4.42		4.52	4.54
Себестоимость, млрд $	13.71	13.71	10.04	10.04	6.92	6.92	15.46	15.46	13.18	13.18

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	16.18	2.07	25.23	28.01	25.82	35.08	31.2	30.22	40.86		40.86
Цена акции ао		29.2	31.13	35.07	36.63	42.18	47.85	26.14	29.69	32.76	32.76
Число акций ао, млн			147.27	148.06	148.5	148.29	147.53	143.99	142.29		142.29
FCF/акцию			21.97	27.91	34.67	17.47	30.55	48.11	50.83		50.83

	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	5 quarters average	CAGR 5
EPS	0.41	7.9	8.81	16.29	7.32	13.39		18.67		14.02		15.61		15.56
Цена акции ао							41.86	42.86	46.86	45.42	43.51	44.71	47.38	47.69	47.13	48.88

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			10.47	9.09	11.75	12.72	10.46	13.66	14.27	16.9	23.1		23.1	15.51
ROA, %			0.8391	0.7117	0.9092	1.04	0.9085	1.19	1.13	1.18	1.62		1.62	4.58
ROIC, %	15.16	11.53	14.11	13.28	15.16	14.74			21.43	22.82				7.36
ROS, %				4.69	7.87	5.75	6.51	7.42	11.11	6.22	7.48	7.48	7.48	24.67
ROCE, %		11.45	17.67	16.11	1.67	1.89	1.47	2.11	2.09			0	0	5.89
Ebit margin, %						9.43	9.73	11.38	16.14			0	0
Рентаб EBITDA, %												8.93	8.93	27.76
Чистая рентаб, %			4.77	4.69	7.87	5.75	6.51	7.42	11.11	6.22	7.48		7.48	24.67
Operation Margin, %	9.41	6.22	8.52	8.78	11.73	9.43				0	0	0	0	12.32

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q2	2021Q4	2022Q2	2022Q4	2023Q2	2023Q4	Industry average	5 quarters average	CAGR 5
ROE, %											3.01	3.01	1.78	3.47	3.01	3.97	3.97	4.5	5.23	3.74	15.51
ROA, %											0.2602	0.2602	0.1476	0.302	0.2473	0.3452	0.2852	0.3175	0.3559	0.2572	4.58
ROIC, %	2.11	1.38	2.12	2.12	5.64	5.64	5.7	5.7	5.34	5.25											7.36
ROS, %			4.55	4.55	6.47	6.47	9.85	9.85	5.18	5.18	6.44	6.44									24.67
ROCE, %										5.1	4.47	4.47	2.67	4.87	4.64	0.5714	0.441	0.556	0.5999		5.89
Чистая рентаб, %			4.55	4.55	6.47	6.47	9.85	9.85	5.18	5.18	6.44	6.44									24.67
Operation Margin, %			8.8	8.8	10.43	10.43	13.58	13.58	8.95	8.95	10	10									12.32

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E				1.19	1.48	1.64	1.25	1.54	0.853	0.7308		0.7308	47.53
P/BV				0.1395	0.1674	0.1573	0.1662	0.2536	0.1412	0.1577		0.1577	7.63
P/S				0.094	0.0849	0.1064	0.0929	0.1709	0.053	0.0546		0.0546	16.11
P/FCF									15.52	10.11	9.68	9.68	2.73
E/P									0.0657	0.0621	0.083	0.083	82.95
EV/EBIT					1.06	1.01	1.21	2.02		0	0	0
EV/S					0.0996	0.0985	0.1381	0.3257	0.1461	0.1334	0.1334	0.1334	16.63
EV/FCF					1.74	1.13	3.73	2.99	1.48	1.43	1.43	1.43	7.71
Debt/EBITDA									2.41	1.99	1.86	1.86	-305.66
Netdebt/Ebitda									0.9236	0.9376	0.8823	0.8823	-294.70
Debt/Ratio	0.0254	0.0306	0.0268	0.0325	0.0303			0.0372	0.0382	0.036	0.036	0.036	0.13
Debt/Equity	0.3106	0.3817	0.3424	0.4251	0.3502			0.5273	0.5546	0.5061	0.484	0.484	2.63
Debt/Net Income	5.26	3.64	3.77	3.45	2.96			3.05	3.17	2.22	2.22	2.22	30.88
Бета									1.21	0.5809	0.8415	0.8415	0.46
Индекс Альтмана									2.9	2.96	3.15	3.15	53.18

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2021Q4	2022Q2	2022Q4	2023Q2	2023Q4	2024Q2	2024Q4	2025Q1	Industry average	5 quarters average	CAGR 5
P/BV											0.1662	0.2214	0.2536	0.1371	0.1412	0.1538	0.1577		7.63
EV/EBIT													7.53	5.81
Debt/Ratio						0.0289	0.0296	0.0315	0.0282	0.0303			0.0372	0.0405	0.0382	0.0376	0.036		0.13
Debt/Equity						0.379	0.382	0.4066	0.3266	0.3502			0.5273	0.5954	0.5546	0.5577	0.5061		2.63
Debt/Net Income	13.84	13.84	12.27	12.27	11.89	11.89	12.33	13.12	10.86	11.64									30.88
Бета																		0.8415	0.46
Индекс Альтмана																		3.15	53.18

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	2.96	2.87	2.77	2.81	2.82	3.08	3.2	3.77	4.12	4.47
Дивиденд			1.71	1.7	1.9	1.89	2.04	2.16	1.19	1.3	1.47	1.47
Див доход, ао, %			6.62	5.63	6.03	4.83	4.97	5.12	2.16	2.49	4.83	4.83	8.81
Дивиденды / прибыль, %			86.2	96.24	75.48	67.95	80.33	61.5	76.49	94.6	76.83	76.83	521.42

	2014Q2	2015Q2	2016Q1	2017Q1	2018Q2	2019Q2	2020Q2	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд								1.6	1.6	1.76	1.76	1.76	1.76	1.94	1.94	1.94	1.94
Дивиденд	0.972	0.8925	0.8565	0.8505	0.948	0.946	1.02		1.08				1.19				1.3
Див доход, ао, %	3.31	2.81	3.8	3.02	3.06	2.9	3.16		2.58				2.62				2.73	8.81
Дивиденды / прибыль, %								145.87	145.87	117.02	117.02	159.75	159.75	161.61	161.61	155.58	155.58	521.42

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	60000	60000

	CAGR 5

	CAGR 5

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