ZU
ZUR.NLB
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Multiline Insurance & Brokers
Zurich Insurance Group AG
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About
Zurich Insurance Group AG provides insurance and asset management services, operating in the Financials sector under the Insurance industry.
Business. Zurich Insurance Group AG (ZUR.NLB) is a multinational insurance company operating within the Financials sector, specifically in the Multiline Insurance & Brokers industry. The firm generates revenue primarily through a premium-income model, providing a broad range of insurance products and services. Headquartered in Zurich, Switzerland, the company is listed on the SIX Swiss Exchange under the ticker ZUR.NLB. Specific details regarding its operating segments and geographic revenue mix are not provided in the available data.
Classification92 %
SectorFinancials
Business sectorInsurance
IndustryMultiline Insurance & Brokers
ActivityAsset Management
Generated · model-assisted
Sell-side consensus
HOLD17 analysts
5 buy7 hold5 sell
Avg 12m price target552,24
Analyst recommendations
17 analysts · consensus HoldBuy5
Hold7
Sell5
12-month price target
552,24
Consensus of sell-side coverage.
At a glance
Score
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not yet scored
Valuation
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valuation pending
Analysts→
Hold
17 analysts · indicative
Ownership→
PNC Investments LLC
largest disclosed fund holder
Profitability
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not yet wired
Quality
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not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to ZUR.NLB. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Zurich Insurance Group AG (ZUR.NLB) is a multinational insurance company operating within the Financials sector, specifically in the Multiline Insurance & Brokers industry. The firm generates revenue primarily through a premium-income model, providing a broad range of insurance products and services. Headquartered in Zurich, Switzerland, the company is listed on the SIX Swiss Exchange under the ticker ZUR.NLB. Specific details regarding its operating segments and geographic revenue mix are not provided in the available data.
Classification92 %
SectorFinancials
Business sectorInsurance
IndustryMultiline Insurance & Brokers
ActivityAsset Management
AI synthesis
GENERATED— missing data
Key takeaways
- Zurich Insurance Group AG has no dilution pressure from share issuance, with basic and diluted shares outstanding equal at 11,984,362,364.
- Liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents.
- Profitability and returns data are not available, preventing a direct comparison with industry benchmarks.
- Segment and geographic exposure details are not disclosed, limiting the ability to evaluate revenue concentration or geographic diversification.
- Growth trajectory data is not available, preventing the assessment of revenue growth or performance against prior periods.
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Annual
ANNUALFiled 2026-02-19
FY 2026 · Full-year highlights
Operating income +17,9% YoY; Net income +16,9% YoY.
Revenue—
Operating income$10.50B+17,9 % YoY
Net income$6.80B+16,9 % YoY
Free cash flow$2.89B+16,7 % YoY
EPS—
Operating cash flow$5.90B−22,4 % YoY
Financials
Income statement
Revenue—
Gross profit—
Operating income$10.50B
Net income$6.80B
Balance sheet
Total assets$407.21B
Total liabilities$378.70B
Total equity$28.52B
Cash & equivalents$7.09B
Long-term debt$15.68B
Cash flow
Operating cash flow$5.90B
CapEx-$480.0M
Free cash flow$2.89B
SBC—
Highlights
- ▍Operating income +17,9% YoY
- ▍Net income +16,9% YoY
- ▍Free cash flow +16,7% YoY
ANNUALFiled 2025-02-20
FY 2025 · Full-year highlights
Operating income +28,8% YoY; Net income +33,6% YoY.
Revenue—
Operating income$8.91B+28,8 % YoY
Net income$5.81B+33,6 % YoY
Free cash flow$2.47B+90,1 % YoY
EPS—
Operating cash flow$7.60B+3,5 % YoY
Financials
Income statement
Revenue—
Gross profit—
Operating income$8.91B
Net income$5.81B
Balance sheet
Total assets$358.00B
Total liabilities$332.53B
Total equity$25.47B
Cash & equivalents$6.77B
Long-term debt$14.43B
Cash flow
Operating cash flow$7.60B
CapEx-$370.0M
Free cash flow$2.47B
SBC—
Highlights
- ▍Operating income +28,8% YoY
- ▍Net income +33,6% YoY
- ▍Free cash flow +90,1% YoY
ANNUALFiled 2024-02-22
FY 2024 · Full-year highlights
Operating income +18,9% YoY; Net income +9,8% YoY.
Revenue—
Operating income$6.92B+18,9 % YoY
Net income$4.35B+9,8 % YoY
Free cash flow$1.30B+31,3 % YoY
EPS—
Operating cash flow$7.35B+45,7 % YoY
Financials
Income statement
Revenue—
Gross profit—
Operating income$6.92B
Net income$4.35B
Balance sheet
Total assets$361.38B
Total liabilities$336.52B
Total equity$24.86B
Cash & equivalents$7.28B
Long-term debt$15.42B
Cash flow
Operating cash flow$7.35B
CapEx-$418.0M
Free cash flow$1.30B
SBC—
Highlights
- ▍Operating income +18,9% YoY
- ▍Net income +9,8% YoY
- ▍Free cash flow +31,3% YoY
ANNUALFiled 2023-02-09
FY 2023 · Full-year highlights
Operating income −26,9% YoY; Net income −23,8% YoY.
Revenue—
Operating income$5.82B−26,9 % YoY
Net income$3.96B−23,8 % YoY
Free cash flow$991.0M−60,0 % YoY
EPS—
Operating cash flow$5.04B+59,2 % YoY
Financials
Income statement
Revenue—
Gross profit—
Operating income$5.82B
Net income$3.96B
Balance sheet
Total assets$335.41B
Total liabilities$309.73B
Total equity$25.68B
Cash & equivalents$7.56B
Long-term debt$15.67B
Cash flow
Operating cash flow$5.04B
CapEx-$535.0M
Free cash flow$991.0M
SBC—
Highlights
- ▍Operating income −26,9% YoY
- ▍Net income −23,8% YoY
- ▍Free cash flow −60,0% YoY
ANNUALFiled 2022-02-10
FY 2022 · Full-year highlights
Operating income $7.96B.
Revenue—
Operating income$7.96B
Net income$5.20B
Free cash flow$2.48B
EPS—
Operating cash flow$3.17B
Financials
Income statement
Revenue—
Gross profit—
Operating income$7.96B
Net income$5.20B
Balance sheet
Total assets$435.83B
Total liabilities$397.94B
Total equity$37.88B
Cash & equivalents$8.70B
Long-term debt$16.99B
Cash flow
Operating cash flow$3.17B
CapEx-$576.0M
Free cash flow$2.48B
SBC—
Highlights
- ▍Operating income $7.96B
Valuation FY
Market price
$10,89
Market cap
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Enterprise valueⓘ
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P/Eⓘ
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Non-GAAP P/Eⓘ
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ROAⓘ
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ROEⓘ
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Cash conversionⓘ
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CapEx / revenueⓘ
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SBC / revenueⓘ
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Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 45 %
EPS
Consensus EPS
46,72
Predicted surprise
-0,00
Beat probability
45 %
Analysts
17
Other metrics
Revenue
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no estimate
Segment revenue
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no estimate
Margin
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no estimate
Segment margin
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no estimate
as of 2026-05-01 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 46,72 |
| Revenue | —no estimate | —no estimate | 69,6B USD |
| Operating income | —no estimate | —no estimate | 9,4B USD |
Full-year consensus mean (period as reported by source) · consensus in USD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution17 analysts
Strong buy0
Buy5
Hold7
Sell3
Strong sell2
12-month price target$552,24 · Median $540,00
Low $475,00High $656,00
Operating income · consensus9,4B USD
EPS surprise
+1,0 %
reported vs consensus · beat
Revenue surprise
+8,8 %
reported vs consensus · beat
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$475,00
Mean$552,24
Median$540,00
High$656,00
Spot$10,89
+4971.1 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskUnknown
Benchmarks vs cohort
No cohort benchmark data available for this issuer yet.
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Source documents
- Zurich Insurance Group AG Market data — financials · 2026-05-30
- Zurich Insurance Group AG Market data — analyst estimates · 2026-05-30
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$0M
Insider activity
— missing data
Short positioning
— missing data
Index membership
Swiss Market Index (SMI)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
ZUR.NLBCanonical
— · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskUnknown
Evidence & claims
From filings & derived data— missing data
The Thread
Everything we know, in order2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-02-19 14:08 UTCEARNINGSAnnual results — FY 2026 Net USD 6.80B
2025-02-20 05:56 UTCEARNINGSAnnual results — FY 2025 Net USD 5.81B
2024-02-22 13:09 UTCEARNINGSAnnual results — FY 2024 Net USD 4.35B
2023-02-09 05:50 UTCEARNINGSAnnual results — FY 2023 Net USD 3.96B
2022-02-10 05:50 UTCEARNINGSAnnual results — FY 2022 Net USD 5.20B
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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