Zurich Insurance Group AG (ZURN) — Cash Flow Quality Index
Zurich Insurance Group AG (ZURN) has a Cash Flow Quality Index of 3.91x as of December 2025. Operating cash flow of CHF14.72 Billion exceeds net income of CHF3.77 Billion, indicating high earnings quality where cash backs reported profits. Explore ZURN cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Zurich Insurance Group AG Cash Flow Quality Index (1999–2025)
Historical Cash Flow Quality Index for Zurich Insurance Group AG across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check how aggressively does Zurich Insurance Group AG reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Zurich Insurance Group AG (1999–2025)
Year-by-year earnings quality comparison for Zurich Insurance Group AG. For live market cap and the full company financial profile, see ZURN stock market capitalisation.
| Year | Quality Index | Operating CF (CHF) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 3.33x | CHF23.73 Billion | CHF7.12 Billion | ▲ +154.8% |
| 2024 | 1.31x | CHF7.60 Billion | CHF5.81 Billion | ▼ -22.5% |
| 2023 | 1.69x | CHF7.34 Billion | CHF4.35 Billion | ▲ +53.0% |
| 2022 | 1.10x | CHF5.08 Billion | CHF4.60 Billion | ▲ +81.2% |
| 2021 | 0.61x | CHF3.17 Billion | CHF5.20 Billion | ▼ -59.1% |
| 2020 | 1.49x | CHF5.70 Billion | CHF3.83 Billion | ▲ +26.3% |
| 2019 | 1.18x | CHF4.88 Billion | CHF4.15 Billion | ▼ -0.3% |
| 2018 | 1.18x | CHF4.39 Billion | CHF3.72 Billion | ▼ -31.9% |
| 2017 | 1.73x | CHF5.21 Billion | CHF3.00 Billion | ▲ +277.9% |
| 2016 | 0.46x | CHF1.47 Billion | CHF3.21 Billion | ▼ -83.8% |
| 2015 | 2.83x | CHF5.22 Billion | CHF1.84 Billion | ▲ +88.4% |
| 2014 | 1.50x | CHF5.86 Billion | CHF3.90 Billion | ▲ +320.0% |
| 2013 | 0.36x | CHF1.44 Billion | CHF4.03 Billion | ▼ -45.8% |
| 2012 | 0.66x | CHF2.56 Billion | CHF3.88 Billion | ▼ -35.5% |
| 2011 | 1.03x | CHF3.89 Billion | CHF3.79 Billion | ▲ +55.9% |
| 2010 | 0.66x | CHF2.31 Billion | CHF3.51 Billion | ▲ +186.1% |
| 2009 | -0.76x | CHF-2.47 Billion | CHF3.24 Billion | ▼ -133.7% |
| 2008 | 2.26x | CHF7.05 Billion | CHF3.12 Billion | ▲ +917.4% |
| 2007 | -0.28x | CHF-1.58 Billion | CHF5.71 Billion | ▼ -272.3% |
| 2006 | 0.16x | CHF743.00 Million | CHF4.62 Billion | ▼ -91.2% |
| 2005 | 1.82x | CHF6.05 Billion | CHF3.33 Billion | ▼ -43.5% |
| 2004 | 3.22x | CHF8.33 Billion | CHF2.59 Billion | ▼ -20.1% |
| 2003 | 4.03x | CHF8.55 Billion | CHF2.12 Billion | ▲ +148.6% |
| 2000 | 1.62x | CHF3.77 Billion | CHF2.33 Billion | ▲ +47.6% |
| 1999 | 1.10x | CHF3.59 Billion | CHF3.26 Billion | — |