Zurich Insurance Group AG (ZURN) — Financial Flexibility Index
Zurich Insurance Group AG (ZURN) has a Financial Flexibility Index of 0.04x as of June 2026. Free cash flow of CHF16.74 Billion (operating CF CHF16.51 Billion minus capex CHF223.01 Million) represents 0% of total liabilities (CHF388.17 Billion). Check ZURN total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see ZURN operating cash flow.
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. Explore ZURN operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
| 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 | — |