Zurich Insurance Group AG (ZURN) — Free Cash Flow Generation Index
Zurich Insurance Group AG (ZURN) has a Free Cash Flow Generation Index of 0.98x as of December 2025. Free cash flow of CHF14.46 Billion represents 1% of operating cash flow (CHF14.72 Billion). See Zurich Insurance Group AG short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Zurich Insurance Group AG Free Cash Flow Generation Index (1999–2025)
Historical FCF Generation Index trend for Zurich Insurance Group AG across 24 annual periods. Explore Zurich Insurance Group AG debt service capacity to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Zurich Insurance Group AG (1999–2025)
Year-by-year Free Cash Flow Generation Index for Zurich Insurance Group AG. For the full company profile including market capitalisation, see market value of Zurich Insurance Group AG.
| Year | FCG Index | Free Cash Flow (CHF) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.98x | CHF23.23 Billion | CHF23.73 Billion | CHF502.84 Million | ▲ +2.9% |
| 2024 | 0.95x | CHF7.23 Billion | CHF7.60 Billion | CHF370.00 Million | ▲ +0.9% |
| 2023 | 0.94x | CHF6.93 Billion | CHF7.34 Billion | CHF418.00 Million | ▲ +6.3% |
| 2022 | 0.89x | CHF4.51 Billion | CHF5.08 Billion | CHF572.00 Million | ▲ +8.5% |
| 2021 | 0.82x | CHF2.59 Billion | CHF3.17 Billion | CHF576.00 Million | ▼ -9.4% |
| 2020 | 0.90x | CHF5.15 Billion | CHF5.70 Billion | CHF552.00 Million | ▲ +6.8% |
| 2019 | 0.85x | CHF4.13 Billion | CHF4.88 Billion | CHF752.00 Million | ▲ +14.7% |
| 2018 | 0.74x | CHF3.24 Billion | CHF4.39 Billion | CHF1.15 Billion | ▼ -17.9% |
| 2017 | 0.90x | CHF4.68 Billion | CHF5.21 Billion | CHF530.00 Million | ▲ +74.5% |
| 2016 | 0.51x | CHF758.00 Million | CHF1.47 Billion | CHF715.00 Million | ▼ -40.9% |
| 2015 | 0.87x | CHF4.54 Billion | CHF5.22 Billion | CHF678.00 Million | ▲ +13.8% |
| 2014 | 0.76x | CHF4.48 Billion | CHF5.86 Billion | CHF1.38 Billion | ▼ -5.0% |
| 2013 | 0.80x | CHF1.16 Billion | CHF1.44 Billion | CHF282.00 Million | ▼ -11.8% |
| 2012 | 0.91x | CHF2.34 Billion | CHF2.56 Billion | CHF226.00 Million | ▼ -3.9% |
| 2011 | 0.95x | CHF3.69 Billion | CHF3.89 Billion | CHF199.00 Million | ▲ +3.0% |
| 2010 | 0.92x | CHF2.13 Billion | CHF2.31 Billion | CHF182.00 Million | ▼ -1.7% |
| 2008 | 0.94x | CHF6.61 Billion | CHF7.05 Billion | CHF444.00 Million | ▲ +50.4% |
| 2006 | 0.62x | CHF463.00 Million | CHF743.00 Million | CHF280.00 Million | ▼ -37.7% |
| 2005 | 1.00x | CHF6.05 Billion | CHF6.05 Billion | CHF0.00 | ▼ -0.2% |
| 2004 | 1.00x | CHF8.35 Billion | CHF8.33 Billion | CHF19.00 Million | ▲ +0.1% |
| 2003 | 1.00x | CHF8.56 Billion | CHF8.55 Billion | CHF12.00 Million | ▼ 0.0% |
| 2002 | 1.00x | CHF5.64 Billion | CHF5.63 Billion | CHF9.00 Million | ▲ +18.0% |
| 2000 | 0.85x | CHF3.21 Billion | CHF3.77 Billion | CHF570.00 Million | ▲ +2.8% |
| 1999 | 0.83x | CHF2.96 Billion | CHF3.59 Billion | CHF626.00 Million | — |