Zurich Insurance Group AG
Zurich Insurance Group AG provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company operates through Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses segments. It offers car and motor, home, travel, general liability, life and critical illness, and … Read more
Zurich Insurance Group AG (ZFSVF) - Net Assets
Latest net assets as of June 2025: $26.46 Billion USD
Based on the latest financial reports, Zurich Insurance Group AG (ZFSVF) has net assets worth $26.46 Billion USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($392.55 Billion) and total liabilities ($366.09 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $26.46 Billion |
| % of Total Assets | 6.74% |
| Annual Growth Rate | -2.28% |
| 5-Year Change | -32.39% |
| 10-Year Change | -18.13% |
| Growth Volatility | 11.41 |
Zurich Insurance Group AG - Net Assets Trend (2013–2024)
This chart illustrates how Zurich Insurance Group AG's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Zurich Insurance Group AG (2013–2024)
The table below shows the annual net assets of Zurich Insurance Group AG from 2013 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $26.94 Billion | +2.51% |
| 2023-12-31 | $26.28 Billion | -5.85% |
| 2022-12-31 | $27.91 Billion | -28.74% |
| 2021-12-31 | $39.17 Billion | -1.70% |
| 2020-12-31 | $39.85 Billion | +9.02% |
| 2019-12-31 | $36.55 Billion | +14.93% |
| 2018-12-31 | $31.80 Billion | -8.86% |
| 2017-12-31 | $34.89 Billion | +7.45% |
| 2016-12-31 | $32.47 Billion | -1.31% |
| 2015-12-31 | $32.90 Billion | -10.66% |
| 2014-12-31 | $36.83 Billion | +6.03% |
| 2013-12-31 | $34.73 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Zurich Insurance Group AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 20.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $33.82 Billion | 132.79% |
| Total Equity | $25.47 Billion | 100.00% |
Zurich Insurance Group AG Competitors by Market Cap
The table below lists competitors of Zurich Insurance Group AG ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Marsh & McLennan Companies Inc
NYSE:MMC
|
$89.35 Billion |
|
General Dynamics Corporation
NYSE:GD
|
$89.44 Billion |
|
Vertiv Holdings Co
NYSE:VRT
|
$89.72 Billion |
|
Airbus Group SE
PINK:EADSF
|
$89.88 Billion |
|
CEZ as
LSE:0NZF
|
$89.02 Billion |
|
Waste Management Inc
NYSE:WM
|
$89.00 Billion |
|
Williams Cos.
LSE:0LXB
|
$88.96 Billion |
|
China Mobile Limited
SHG:600941
|
$88.53 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Zurich Insurance Group AG's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 24,860,000,000 to 25,472,000,000, a change of 612,000,000 (2.5%).
- Net income of 5,814,000,000 contributed positively to equity growth.
- Dividend payments of 4,467,000,000 reduced retained earnings.
- Share repurchases of 1,309,000,000 reduced equity.
- Other factors increased equity by 574,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $5.81 Billion | +22.83% |
| Dividends Paid | $4.47 Billion | -17.54% |
| Share Repurchases | $1.31 Billion | -5.14% |
| Other Changes | $574.00 Million | +2.25% |
| Total Change | $- | 2.46% |
Book Value vs Market Value Analysis
This analysis compares Zurich Insurance Group AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.49x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has increased from 2.84x to 3.49x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | $220.14 | $625.55 | x |
| 2018-12-31 | $205.00 | $625.55 | x |
| 2019-12-31 | $236.42 | $625.55 | x |
| 2020-12-31 | $257.77 | $625.55 | x |
| 2021-12-31 | $255.45 | $625.55 | x |
| 2022-12-31 | $180.53 | $625.55 | x |
| 2023-12-31 | $172.65 | $625.55 | x |
| 2024-12-31 | $179.02 | $625.55 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Zurich Insurance Group AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 22.83%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 6.76%
- • Asset Turnover: 0.24x
- • Equity Multiplier: 14.05x
- Recent ROE (22.83%) is above the historical average (12.90%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 12.39% | 5.59% | 0.17x | 12.77x | $777.70 Million |
| 2014 | 11.37% | 5.42% | 0.18x | 11.70x | $475.50 Million |
| 2015 | 5.91% | 3.04% | 0.16x | 12.25x | $-1.28 Billion |
| 2016 | 10.47% | 4.77% | 0.18x | 12.48x | $145.00 Million |
| 2017 | 9.09% | 4.69% | 0.15x | 12.77x | $-302.20 Million |
| 2018 | 12.31% | 7.87% | 0.12x | 13.10x | $697.10 Million |
| 2019 | 11.85% | 5.75% | 0.18x | 11.56x | $646.60 Million |
| 2020 | 10.02% | 6.51% | 0.13x | 11.48x | $6.20 Million |
| 2021 | 13.73% | 7.42% | 0.16x | 11.51x | $1.41 Billion |
| 2022 | 17.28% | 11.11% | 0.11x | 14.18x | $1.94 Billion |
| 2023 | 17.50% | 5.57% | 0.22x | 14.54x | $1.86 Billion |
| 2024 | 22.83% | 6.76% | 0.24x | 14.05x | $3.27 Billion |
Industry Comparison
This section compares Zurich Insurance Group AG's net assets metrics with peer companies in the Insurance - Diversified industry.
Industry Context
- Industry: Insurance - Diversified
- Average net assets among peers: $29,608,843,500
- Average return on equity (ROE) among peers: 13.17%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Zurich Insurance Group AG (ZFSVF) | $26.46 Billion | 12.39% | 13.84x | $89.21 Billion |
| Alm. Brand A/S (ABDBY) | $13.40 Billion | 5.80% | 1.64x | $2.98 Billion |
| Arch Capital Group Ltd (ACGL) | $2.48 Billion | 10.34% | 3.63x | $31.87 Billion |
| ageas SA/NV (AGESF) | $8.80 Billion | 12.71% | 10.19x | $10.79 Billion |
| American International Group Inc (AIG) | $109.64 Billion | 12.81% | 7.93x | $39.89 Billion |
| Aviva plc (AIVAF) | $11.16 Billion | 0.00% | 0.03x | $18.17 Billion |
| Allianz SE (ALIZF) | $63.58 Billion | 13.43% | 14.46x | $143.52 Billion |
| Assicurazioni Generali S.p.A (ARZGF) | $18.35 Billion | 18.39% | 19.85x | $30.45 Billion |
| AXA SA (AXAHF) | $52.40 Billion | 13.72% | 11.30x | $66.04 Billion |
| BB Seguridade Participacoes SA (BBSEY) | $11.40 Billion | 35.51% | 0.17x | $4.26 Billion |
| Bâloise Holding AG (BLHEF) | $4.87 Billion | 8.96% | 14.09x | $8.54 Billion |