Zurich Insurance Group AG (ZURN) — Financial Flexibility Index
Zurich Insurance Group AG (ZURN) has a Financial Flexibility Index of 0.04x as of December 2025. Free cash flow of CHF14.99 Billion (operating CF CHF14.72 Billion minus capex CHF268.89 Million) represents 0% of total liabilities (CHF424.67 Billion). Check Zurich Insurance Group AG (ZURN) strategic asset index to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Zurich Insurance Group AG Financial Flexibility Index (1999–2025)
Historical Financial Flexibility Index trend for Zurich Insurance Group AG across 27 annual periods. See ZURN working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Zurich Insurance Group AG (1999–2025)
Year-by-year free cash flow to debt coverage for Zurich Insurance Group AG. For the full company profile including market capitalisation, see how much is Zurich Insurance Group AG worth.
| Year | Flexibility Index | Free Cash Flow (CHF) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.06x | CHF24.24 Billion | CHF23.73 Billion | CHF377.05 Billion | ▲ +166.9% |
| 2024 | 0.02x | CHF7.97 Billion | CHF7.60 Billion | CHF331.07 Billion | ▲ +4.0% |
| 2023 | 0.02x | CHF7.76 Billion | CHF7.34 Billion | CHF335.10 Billion | ▲ +26.5% |
| 2022 | 0.02x | CHF5.65 Billion | CHF5.08 Billion | CHF308.48 Billion | ▲ +94.1% |
| 2021 | 0.01x | CHF3.74 Billion | CHF3.17 Billion | CHF396.66 Billion | ▼ -39.7% |
| 2020 | 0.02x | CHF6.25 Billion | CHF5.70 Billion | CHF399.45 Billion | ▲ +2.3% |
| 2019 | 0.02x | CHF5.64 Billion | CHF4.88 Billion | CHF368.14 Billion | ▲ +0.5% |
| 2018 | 0.02x | CHF5.54 Billion | CHF4.39 Billion | CHF363.54 Billion | ▲ +2.8% |
| 2017 | 0.01x | CHF5.74 Billion | CHF5.21 Billion | CHF387.17 Billion | ▲ +137.2% |
| 2016 | 0.01x | CHF2.19 Billion | CHF1.47 Billion | CHF350.21 Billion | ▼ -63.0% |
| 2015 | 0.02x | CHF5.90 Billion | CHF5.22 Billion | CHF349.07 Billion | ▼ -13.7% |
| 2014 | 0.02x | CHF7.24 Billion | CHF5.86 Billion | CHF369.70 Billion | ▲ +331.8% |
| 2013 | 0.00x | CHF1.73 Billion | CHF1.44 Billion | CHF380.32 Billion | ▼ -39.4% |
| 2012 | 0.01x | CHF2.79 Billion | CHF2.56 Billion | CHF372.40 Billion | ▼ -35.5% |
| 2011 | 0.01x | CHF4.09 Billion | CHF3.89 Billion | CHF351.85 Billion | ▲ +59.6% |
| 2010 | 0.01x | CHF2.49 Billion | CHF2.31 Billion | CHF342.34 Billion | ▲ +216.4% |
| 2009 | -0.01x | CHF-2.11 Billion | CHF-2.47 Billion | CHF337.44 Billion | ▼ -125.4% |
| 2008 | 0.02x | CHF7.49 Billion | CHF7.05 Billion | CHF304.16 Billion | ▲ +814.5% |
| 2007 | 0.00x | CHF-1.24 Billion | CHF-1.58 Billion | CHF360.17 Billion | ▼ -216.9% |
| 2006 | 0.00x | CHF1.02 Billion | CHF743.00 Million | CHF346.80 Billion | ▼ -84.6% |
| 2005 | 0.02x | CHF6.05 Billion | CHF6.05 Billion | CHF316.37 Billion | ▼ -25.9% |
| 2004 | 0.03x | CHF8.35 Billion | CHF8.33 Billion | CHF323.06 Billion | ▼ -10.2% |
| 2003 | 0.03x | CHF8.56 Billion | CHF8.55 Billion | CHF297.52 Billion | ▲ +36.6% |
| 2002 | 0.02x | CHF5.64 Billion | CHF5.63 Billion | CHF267.84 Billion | ▲ +2065.8% |
| 2001 | 0.00x | CHF-229.00 Million | CHF-1.61 Billion | CHF213.86 Billion | ▼ -105.1% |
| 2000 | 0.02x | CHF4.34 Billion | CHF3.77 Billion | CHF208.07 Billion | ▲ +0.5% |
| 1999 | 0.02x | CHF4.21 Billion | CHF3.59 Billion | CHF202.71 Billion | — |