Zurich Insurance Group AG (ZURN) — Cash Flow Quality Index
Zurich Insurance Group AG (ZURN) has a Cash Flow Quality Index of 4.84x as of June 2026. Operating cash flow of CHF16.51 Billion exceeds net income of CHF3.41 Billion, indicating high earnings quality where cash backs reported profits. Explore Zurich Insurance Group AG debt service capacity to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see how efficiently does Zurich Insurance Group AG generate cash.
Annual Cash Flow Quality Index for Zurich Insurance Group AG (1999–2025)
Year-by-year earnings quality comparison for Zurich Insurance Group AG.
| 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 | — |