Zurich Insurance Group AG (ZURN) — Cash Flow-to-Debt Ratio
Zurich Insurance Group AG (ZURN) has a Cash Flow-to-Debt Ratio of 0.03x as of December 2025, meaning its operating cash flow of CHF14.72 Billion could theoretically repay 0% of its total liabilities (CHF424.67 Billion) in one year. See how much free cash does Zurich Insurance Group AG generate to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Zurich Insurance Group AG Cash Flow-to-Debt Ratio (1999–2025)
Historical debt coverage capacity for Zurich Insurance Group AG across 27 annual periods. Also explore net asset growth rate of Zurich Insurance Group AG to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Zurich Insurance Group AG (1999–2025)
Year-by-year debt coverage analysis for Zurich Insurance Group AG. For market capitalisation and broader financial context, see market value of Zurich Insurance Group AG.
| Year | CF-to-Debt Ratio | Operating CF (CHF) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.06x | CHF23.73 Billion | CHF424.67 Billion | ▲ +143.3% |
| 2024 | 0.02x | CHF7.60 Billion | CHF331.07 Billion | ▲ +4.8% |
| 2023 | 0.02x | CHF7.34 Billion | CHF335.10 Billion | ▲ +33.1% |
| 2022 | 0.02x | CHF5.08 Billion | CHF308.48 Billion | ▲ +106.2% |
| 2021 | 0.01x | CHF3.17 Billion | CHF396.66 Billion | ▼ -44.1% |
| 2020 | 0.01x | CHF5.70 Billion | CHF399.45 Billion | ▲ +7.6% |
| 2019 | 0.01x | CHF4.88 Billion | CHF368.14 Billion | ▲ +9.9% |
| 2018 | 0.01x | CHF4.39 Billion | CHF363.54 Billion | ▼ -10.3% |
| 2017 | 0.01x | CHF5.21 Billion | CHF387.17 Billion | ▲ +219.7% |
| 2016 | 0.00x | CHF1.47 Billion | CHF350.21 Billion | ▼ -71.9% |
| 2015 | 0.01x | CHF5.22 Billion | CHF349.07 Billion | ▼ -5.6% |
| 2014 | 0.02x | CHF5.86 Billion | CHF369.70 Billion | ▲ +317.8% |
| 2013 | 0.00x | CHF1.44 Billion | CHF380.32 Billion | ▼ -44.9% |
| 2012 | 0.01x | CHF2.56 Billion | CHF372.40 Billion | ▼ -37.7% |
| 2011 | 0.01x | CHF3.89 Billion | CHF351.85 Billion | ▲ +63.8% |
| 2010 | 0.01x | CHF2.31 Billion | CHF342.34 Billion | ▲ +192.2% |
| 2009 | -0.01x | CHF-2.47 Billion | CHF337.44 Billion | ▼ -131.6% |
| 2008 | 0.02x | CHF7.05 Billion | CHF304.16 Billion | ▲ +628.4% |
| 2007 | 0.00x | CHF-1.58 Billion | CHF360.17 Billion | ▼ -304.8% |
| 2006 | 0.00x | CHF743.00 Million | CHF346.80 Billion | ▼ -88.8% |
| 2005 | 0.02x | CHF6.05 Billion | CHF316.37 Billion | ▼ -25.8% |
| 2004 | 0.03x | CHF8.33 Billion | CHF323.06 Billion | ▼ -10.2% |
| 2003 | 0.03x | CHF8.55 Billion | CHF297.52 Billion | ▲ +36.7% |
| 2002 | 0.02x | CHF5.63 Billion | CHF267.84 Billion | ▲ +378.8% |
| 2001 | -0.01x | CHF-1.61 Billion | CHF213.86 Billion | ▼ -141.5% |
| 2000 | 0.02x | CHF3.77 Billion | CHF208.07 Billion | ▲ +2.5% |
| 1999 | 0.02x | CHF3.59 Billion | CHF202.71 Billion | — |