Zurich Insurance Group AG (ZURN) - Net Assets

Latest as of December 2025: CHF30.15 Billion CHF ≈ $38.11 Billion USD

Based on the latest financial reports, Zurich Insurance Group AG (ZURN) has net assets worth CHF30.15 Billion CHF (≈ $38.11 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CHF454.82 Billion ≈ $575.01 Billion USD) and total liabilities (CHF424.67 Billion ≈ $536.90 Billion USD). 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. Also explore Zurich Insurance Group AG (ZURN) total assets for the complete picture of this company's asset base.

Key Net Assets Metrics

Metric Value
Current Net Assets CHF30.15 Billion
% of Total Assets 6.63%
Annual Growth Rate 1.26%
5-Year Change -22.99%
10-Year Change -7.1%
Growth Volatility 12.9

Zurich Insurance Group AG - Net Assets Trend (1999–2025)

This chart illustrates how Zurich Insurance Group AG's net assets have evolved over time, based on quarterly financial data. Check Zurich Insurance Group AG tangible book value ratio to evaluate the tangible quality of the company's equity base.

Annual Net Assets for Zurich Insurance Group AG (1999–2025)

The table below shows the annual net assets of Zurich Insurance Group AG from 1999 to 2025. For live valuation and market cap data, see ZURN company net worth.

Year Net Assets Change
2025-12-31 CHF30.17 Billion
≈ $38.14 Billion		 +11.98%
2024-12-31 CHF26.94 Billion
≈ $34.06 Billion		 +2.50%
2023-12-31 CHF26.28 Billion
≈ $33.23 Billion		 -2.41%
2022-12-31 CHF26.93 Billion
≈ $34.05 Billion		 -31.25%
2021-12-31 CHF39.17 Billion
≈ $49.52 Billion		 -1.70%
2020-12-31 CHF39.85 Billion
≈ $50.38 Billion		 +9.02%
2019-12-31 CHF36.55 Billion
≈ $46.21 Billion		 +14.93%
2018-12-31 CHF31.80 Billion
≈ $40.21 Billion		 -8.86%
2017-12-31 CHF34.89 Billion
≈ $44.11 Billion		 +7.45%
2016-12-31 CHF32.47 Billion
≈ $41.05 Billion		 -1.31%
2015-12-31 CHF32.90 Billion
≈ $41.60 Billion		 -10.66%
2014-12-31 CHF36.83 Billion
≈ $46.56 Billion		 +6.03%
2013-12-31 CHF34.73 Billion
≈ $43.91 Billion		 -5.77%
2012-12-31 CHF36.86 Billion
≈ $46.60 Billion		 +8.36%
2011-12-31 CHF34.02 Billion
≈ $43.01 Billion		 +2.09%
2010-12-31 CHF33.32 Billion
≈ $42.13 Billion		 +5.85%
2009-12-31 CHF31.48 Billion
≈ $39.80 Billion		 +32.37%
2008-12-31 CHF23.78 Billion
≈ $30.07 Billion		 -18.49%
2007-12-31 CHF29.18 Billion
≈ $36.89 Billion		 +7.84%
2006-12-31 CHF27.06 Billion
≈ $34.21 Billion		 +20.65%
2005-12-31 CHF22.43 Billion
≈ $28.35 Billion		 +1.10%
2004-12-31 CHF22.18 Billion
≈ $28.04 Billion		 +14.43%
2003-12-31 CHF19.38 Billion
≈ $24.51 Billion		 +15.35%
2002-12-31 CHF16.80 Billion
≈ $21.25 Billion		 -5.28%
2001-12-31 CHF17.74 Billion
≈ $22.43 Billion		 -14.18%
2000-12-31 CHF20.67 Billion
≈ $26.14 Billion		 -5.06%
1999-12-31 CHF21.78 Billion
≈ $27.53 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 338.8% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component Amount Percentage
Retained Earnings CHF35.76 Billion 118.55%
Common Stock CHF9.99 Million 0.03%
Other Comprehensive Income CHF-8.65 Billion -28.67%
Other Components CHF3.04 Billion 10.08%
Total Equity CHF30.17 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
CHRISTIAN DIOR ADR1/4/EO2
F:DIO0
 $91.96 Billion
Blackstone Group Inc
NYSE:BX
 $92.23 Billion
Sandisk Corp
NASDAQ:SNDK
 $92.46 Billion
Snowflake Inc.
NYSE:SNOW
 $92.71 Billion
Cummins Inc
NYSE:CMI
 $91.13 Billion
Zijin Mining Group Co Ltd Class A
SHG:601899
 $91.07 Billion
Compagnie Financière Richemont SA
SW:CFR
 $90.72 Billion
Automatic Data Processing Inc
NASDAQ:ADP
 $90.25 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 2024 to 2025, total equity changed from 26,938,000,000 to 30,166,000,000, a change of 3,228,000,000 (12.0%).
  • Net income of 7,121,417,184 contributed positively to equity growth.
  • Dividend payments of 4,886,938,977 reduced retained earnings.
  • Share repurchases of 471,408,904 reduced equity.
  • Other comprehensive income increased equity by 1,123,675,000.
  • Other factors increased equity by 341,255,697.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income CHF7.12 Billion +23.61%
Dividends Paid CHF4.89 Billion -16.2%
Share Repurchases CHF471.41 Million -1.56%
Other Comprehensive Income CHF1.12 Billion +3.72%
Other Changes CHF341.26 Million +1.13%
Total Change CHF- 11.98%

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: 2.94x
  • The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
  • The price-to-book ratio has increased from 2.40x to 2.94x over the analyzed period, suggesting growing market confidence.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1999-12-31 CHF256.25 CHF615.60 x
2000-12-31 CHF243.43 CHF615.60 x
2001-12-31 CHF212.26 CHF615.60 x
2002-12-31 CHF179.45 CHF615.60 x
2003-12-31 CHF135.47 CHF615.60 x
2004-12-31 CHF153.35 CHF615.60 x
2005-12-31 CHF154.28 CHF615.60 x
2006-12-31 CHF186.47 CHF615.60 x
2007-12-31 CHF202.26 CHF615.60 x
2008-12-31 CHF171.10 CHF615.60 x
2009-12-31 CHF220.18 CHF615.60 x
2010-12-31 CHF228.25 CHF615.60 x
2011-12-31 CHF231.58 CHF615.60 x
2012-12-31 CHF250.13 CHF615.60 x
2013-12-31 CHF234.73 CHF615.60 x
2014-12-31 CHF246.60 CHF615.60 x
2015-12-31 CHF220.35 CHF615.60 x
2016-12-31 CHF216.06 CHF615.60 x
2017-12-31 CHF231.12 CHF615.60 x
2018-12-31 CHF212.48 CHF615.60 x
2019-12-31 CHF244.03 CHF615.60 x
2020-12-31 CHF265.70 CHF615.60 x
2021-12-31 CHF261.01 CHF615.60 x
2022-12-31 CHF180.04 CHF615.60 x
2023-12-31 CHF179.56 CHF615.60 x
2024-12-31 CHF186.03 CHF615.60 x
2025-12-31 CHF209.46 CHF615.60 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): 23.61%
  • The company demonstrates strong efficiency in generating profits from shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 7.75%
  • • Asset Turnover: 0.23x
  • • Equity Multiplier: 13.50x
  • Recent ROE (23.61%) is above the historical average (11.29%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
1999 14.99% 8.15% 0.18x 10.31x CHF1.09 Billion
2000 11.20% 6.19% 0.16x 11.06x CHF248.60 Million
2001 -2.18% -1.01% 0.17x 13.05x CHF-2.16 Billion
2002 -20.01% -8.34% 0.14x 16.94x CHF-5.04 Billion
2003 10.36% 3.51% 0.18x 16.35x CHF70.60 Million
2004 11.60% 4.20% 0.18x 15.56x CHF353.90 Million
2005 14.85% 4.96% 0.20x 15.11x CHF1.09 Billion
2006 17.44% 7.26% 0.17x 13.82x CHF2.01 Billion
2007 19.87% 10.49% 0.14x 13.34x CHF2.88 Billion
2008 13.10% 9.63% 0.10x 13.79x CHF737.90 Million
2009 12.65% 5.68% 0.19x 11.72x CHF835.20 Million
2010 10.54% 5.18% 0.18x 11.27x CHF180.90 Million
2011 11.02% 7.08% 0.14x 11.34x CHF348.30 Million
2012 10.54% 5.52% 0.17x 11.10x CHF200.80 Million
2013 11.60% 5.59% 0.17x 11.95x CHF554.60 Million
2014 10.72% 5.42% 0.18x 11.04x CHF266.00 Million
2015 5.60% 3.04% 0.16x 11.61x CHF-1.45 Billion
2016 9.89% 4.77% 0.18x 11.78x CHF-36.30 Million
2017 8.61% 4.69% 0.15x 12.10x CHF-485.30 Million
2018 11.68% 7.87% 0.12x 12.43x CHF535.80 Million
2019 11.35% 5.77% 0.18x 11.07x CHF492.10 Million
2020 9.62% 6.51% 0.13x 11.02x CHF-150.60 Million
2021 13.28% 7.48% 0.16x 11.13x CHF1.28 Billion
2022 14.72% 8.86% 0.13x 12.45x CHF1.27 Billion
2023 16.56% 5.57% 0.22x 13.75x CHF1.72 Billion
2024 21.58% 6.76% 0.24x 13.29x CHF3.12 Billion
2025 23.61% 7.75% 0.23x 13.50x CHF4.10 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: $5,169,217,400
  • Average return on equity (ROE) among peers: 9.71%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Zurich Insurance Group AG (ZURN) CHF30.15 Billion 14.99% 14.09x $91.50 Billion
Baloise Holding AG (BALN) $3.89 Billion 1.57% 16.74x $9.01 Billion
Helvetia Holding AG (HBAN) $2.73 Billion 8.43% 11.34x $20.98 Billion
Helvetia Holding AG (HELN) $2.73 Billion 8.43% 11.34x $19.58 Billion
Swiss Life Holding AG (SLHN) $15.85 Billion 7.87% 14.19x $23.60 Billion
Vaudoise Assurances Holding SA (VAHN) $638.69 Million 22.26% 12.70x $927.91 Million

About Zurich Insurance Group AG

SW:ZURN Switzerland Insurance - Diversified
Market Cap
$116.25 Billion
CHF91.95 Billion CHF
Market Cap Rank
#279 Global
#7 in Switzerland
Share Price
CHF615.60
Change (1 day)
-0.68%
52-Week Range
CHF529.60 - CHF624.40
All Time High
CHF624.40
Categories
Companies in Switzerland Insurance - Diversified
About

Zurich Insurance Group AG provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. It operates through Property & Casualty Regions, Life Regions, and Farmers segments. The company offers car and motor, home, travel, general liability, life and critical illness, and other insurance products; and saving and investment, … Read more