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). Also explore Zurich Insurance Group AG annual equity growth to track the company's year-over-year net asset growth rate.
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. Check asset allocation strategy of Zurich Insurance Group AG to assess the company's strategic physical and investment asset allocation.
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 Zurich Insurance Group AG (ZURN) market capitalisation.
| Year | Flexibility Index | Free Cash Flow (CHF) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.06x | CHF24.24 Billion | CHF23.73 Billion | CHF424.67 Billion | ▲ +137.0% |
| 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 | — |