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Zurich Insurance Group AG (ZURN.SW)
ZURN.SW
Zurich Insurance Group AG (ZURN.SW)
601.4000 Fr
+4.8000 (%+0.80)
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ZURN.SW: Zurich Insurance Group AG Financials

Income statement, balance sheet, cash flow and financial performance data for Zurich Insurance Group AG.

Zurich Insurance Group AG Income Statement

Chart
Gross margin TTM
100%
Operating margin TTM
11.45%
Net profit margin TTM
7.75%
Return on investment TTM
24.99%
Period end31/12/202531/12/202431/12/202331/12/2022
Total revenue91,893,309,13286,046,000,00078,098,000,00044,763,000,000
Operating income10,517,656,4498,466,000,0006,456,000,0005,373,000,000
Net income7,121,417,1845,814,000,0004,351,000,0003,964,000,000

All line items

Line item31/12/202531/12/202431/12/202331/12/2022
Total revenue91,893,309,13286,046,000,00078,098,000,00044,763,000,000
Cost of revenue02,384,000,0002,392,000,00010,988,000,000
Gross profit91,893,309,13283,662,000,00075,706,000,00033,775,000,000
Research and development expenses0000
General and administrative expenses0008,665,000,000
Selling and marketing expenses0000
Selling, general and administrative expenses03,575,000,0003,583,000,0008,665,000,000
Other expenses81,375,652,68375,196,000,00069,250,000,00019,737,000,000
Operating expenses81,375,652,68375,196,000,00069,250,000,00028,402,000,000
Cost and expenses81,375,652,68377,580,000,00071,642,000,00039,390,000,000
Net interest income-481,884,657-440,000,000-456,000,000-444,000,000
Interest income0000
Interest expense481,884,657440,000,000456,000,000444,000,000
Depreciation and amortization871,582,684911,000,000852,000,000756,000,000
EBITDA11,871,123,7919,816,000,0007,766,000,0006,574,000,000
EBIT10,999,541,1068,905,000,0006,914,000,0005,818,000,000
Non-operating income (excl. interest)-481,884,657-439,000,000-458,000,000-445,000,000
Operating income10,517,656,4498,466,000,0006,456,000,0005,373,000,000
Total other income/expenses (net)0-1,000,0002,000,0001,000,000
Income before tax10,517,656,4498,465,000,0006,458,000,0005,374,000,000
Income tax expense2,974,066,3992,261,000,0001,741,000,0001,076,000,000
Net income from continuing operations7,543,590,0496,204,000,0004,717,000,0004,298,000,000
Net income from discontinued operations0000
Other adjustments to net income0000
Net income7,121,417,1845,814,000,0004,351,000,0003,964,000,000
Net income deductions0000
Bottom line net income7,121,417,1845,814,000,0004,351,000,0003,964,000,000
EPS50403027
Diluted EPS49403027
Weighted average shares outstanding142,583,501143,622,281146,350,000148,443,000
Weighted average diluted shares outstanding144,017,586144,801,127146,354,000149,578,000

Zurich Insurance Group AG Balance Sheet

Period endTotal assetsTotal liabilities & equity
31/12/2025454,818,512,000424,672,296,000
31/12/2024358,005,000,000331,067,000,000
31/12/2023361,382,000,000335,103,000,000
31/12/2022335,412,000,000308,482,000,000
Long-term debt / assets MRQ
13,395,209,000%
Period end31/12/202531/12/202431/12/202331/12/2022
Total assets454,818,512,000358,005,000,000361,382,000,000335,412,000,000
Total liabilities424,672,296,000331,067,000,000335,103,000,000308,482,000,000
Total equity28,496,298,00025,472,000,00024,860,000,00025,683,000,000

All line items

Line item31/12/202531/12/202431/12/202331/12/2022
Cash and cash equivalents7,081,353,0006,768,000,0007,280,000,0007,560,000,000
Short-term investments0105,878,000,00092,965,000,000106,868,000,000
Cash and short-term investments7,081,353,000112,646,000,000100,245,000,000114,428,000,000
Net receivables25,131,507,0003,771,000,00014,260,000,00014,175,000,000
Accounts receivable25,131,507,000010,391,000,0008,402,000,000
Other receivables03,771,000,0003,869,000,0005,773,000,000
Inventory0000
Prepaid expenses0000
Other current assets0-112,646,000,000-14,260,000,000-89,649,000,000
Total current assets32,212,859,0003,771,000,000100,245,000,00038,954,000,000
Property, plant and equipment (net)2,114,612,0001,867,000,0002,092,000,0002,225,000,000
Goodwill5,573,342,0004,805,000,0004,542,000,0004,421,000,000
Intangible assets6,863,496,0006,628,000,0006,987,000,0006,484,000,000
Goodwill and intangible assets12,436,838,00011,433,000,00011,529,000,00010,905,000,000
Long-term investments349,613,555,000138,099,000,000119,275,000,000116,962,000,000
Tax assets49,474,531,0001,703,000,0001,700,000,0002,179,000,000
Other non-current assets8,966,116,000201,132,000,000339,155,000,000164,187,000,000
Total non-current assets422,605,652,000354,234,000,000473,751,000,000296,458,000,000
Other assets00-212,614,000,0000
Total assets454,818,512,000358,005,000,000361,382,000,000335,412,000,000
Total payables02,231,000,0001,977,000,0001,610,000,000
Accounts payable0000
Other payables02,231,000,0001,977,000,0001,610,000,000
Accrued expenses0000
Short-term debt3,806,502,0001,783,165,000297,000,000423,000,000
Capital lease obligations (current)00203,000,000192,000,000
Tax payables01,232,000,0001,027,000,000721,000,000
Deferred revenue0000
Other current liabilities-3,806,502,000-4,014,165,000-2,477,000,000-2,033,000,000
Total current liabilities000192,000,000
Long-term debt13,395,209,00012,421,000,00013,490,000,00013,547,000,000
Capital lease obligations (non-current)1,447,050,0001,343,000,0001,465,000,0001,518,547,000
Deferred revenue (non-current)0004,560,000,000
Deferred tax liabilities (non-current)51,456,230,0002,446,000,00002,047,000,000
Other non-current liabilities358,373,806,000314,181,238,000320,148,000,000287,446,491,000
Total non-current liabilities424,672,296,000331,067,000,000335,103,000,000308,482,000,000
Other liabilities0000
Capital lease obligations1,447,050,0001,343,000,0001,668,000,0001,710,547,000
Total liabilities424,672,296,000331,067,000,000335,103,000,000308,482,000,000
Treasury stock0000
Preferred stock0000
Common stock9,993,00010,000,00010,000,00011,000,000
Retained earnings35,762,530,00033,823,000,00032,842,000,00035,313,000,000
Additional paid-in capital1,371,100,0001,410,000,0001,333,000,0001,158,000,000
Accumulated other comprehensive income/loss-8,647,325,000-9,771,000,000-9,325,000,000-10,799,000,000
Other stockholders' equity0000
Total stockholders' equity28,496,298,00025,472,000,00024,860,000,00025,683,000,000
Total equity30,146,216,00026,938,000,00026,279,000,00026,930,000,000
Minority interest1,649,917,0001,466,000,0001,419,000,0001,247,000,000
Total liabilities and total equity454,818,512,000358,005,000,000361,382,000,000335,412,000,000
Total investments349,613,555,000243,977,000,000212,240,000,000223,830,000,000
Total debt18,648,761,00014,428,000,00015,455,000,00015,671,000,000
Net debt11,567,408,0007,660,000,0008,175,000,0008,111,000,000

Zurich Insurance Group AG Cash Flow Statement

Chart
Period end31/12/202531/12/202431/12/202331/12/2022
Cash from operations23,732,819,4077,603,000,0007,345,000,0005,079,000,000
Cash from investing-18,585,034,169-1,404,000,000-1,132,000,000-691,000,000
Cash from financing-5,478,819,045-6,372,000,000-7,002,000,000-5,273,000,000
Net change in cash-655,444,253-555,000,000-510,000,000-1,175,000,000

All line items

Line item31/12/202531/12/202431/12/202331/12/2022
Net income7,121,417,1845,814,000,0004,351,000,0004,603,000,000
Depreciation and amortization871,582,684795,000,000841,000,000804,000,000
Deferred income tax000-246,000,000
Stock-based compensation0288,000,000317,000,000246,000,000
Change in working capital14,805,382,32915,635,000,0009,012,000,000-12,757,000,000
Accounts receivable06,907,000,0004,238,000,000-2,055,000,000
Inventory0000
Accounts payable0000
Other working capital14,805,382,3298,728,000,0004,774,000,000-10,702,000,000
Other non-cash items934,437,210-14,929,000,000-7,176,000,00012,429,000,000
Net cash from operating activities23,732,819,4077,603,000,0007,345,000,0005,079,000,000
Investments in property, plant and equipment-502,836,164-370,000,000-418,000,000-572,000,000
Acquisitions (net)-9,428,177-1,048,000,000-773,000,000-173,000,000
Purchases of investments-204,654,319,110000
Sales/maturities of investments186,581,549,284000
Other investing activities45,000,00014,000,00059,000,00054,000,000
Net cash from investing activities-18,585,034,169-1,404,000,000-1,132,000,000-691,000,000
Net debt issuance281,000,000-389,000,000-863,000,000-736,000,000
Long-term net debt issuance281,000,000-389,000,000-652,000,000-516,000,000
Short-term net debt issuance00-211,000,000-220,000,000
Net stock issuance-471,408,904-1,309,000,000-2,023,000,000-770,000,000
Net common stock issuance-471,408,904-1,309,000,000-2,023,000,000-770,000,000
Common stock issuance0000
Common stock repurchased-471,408,904-1,309,000,000-2,023,000,000-770,000,000
Net preferred stock issuance0000
Net dividends paid-4,886,938,977-4,156,000,000-3,877,000,000-3,520,000,000
Common dividends paid-4,886,938,977-4,156,000,000-3,877,000,000-3,520,000,000
Preferred dividends paid0000
Other financing activities-401,471,164-518,000,000-239,000,000-247,000,000
Net cash from financing activities-5,478,819,045-6,372,000,000-7,002,000,000-5,273,000,000
Effect of FX changes on cash-324,410,445-382,000,000278,000,000-290,000,000
Net change in cash-655,444,253-555,000,000-510,000,000-1,175,000,000
Cash at end of period7,081,352,6467,090,000,0007,645,000,0008,155,000,000
Cash at beginning of period7,736,796,9007,645,000,0008,155,000,0009,330,000,000
Operating cash flow23,732,819,4077,603,000,0007,345,000,0005,079,000,000
Capital expenditure-502,836,163-370,000,000-418,000,000-572,000,000
Free cash flow23,229,983,2447,233,000,0006,927,000,0004,507,000,000
Income taxes paid0000
Interest paid0507,000,000534,000,000523,000,000