Zurich is a multiline insurer that writes business across both life and non-life insurance and also owns Farmers Management Services. The company was founded in 1872, originally as a marine reinsurer, to provide reinsurance to its parent company. Zurich subsequently expanded into transport and accident insurance and then rode the wave of transport technology innovation that drove rising demand for insurance. One of Zurich's early principles was that setting prices too low would result in unfair claims handling that would be damaging to both customers and Zurich. Over the years Zurich has sought to combine goodwill in claims with a sufficient premium. Zurich is one of the most successful insurers in Europe.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.47
Equity-to-Asset	0.07
Debt-to-Equity	0.62
Debt-to-EBITDA	1.95
Interest Coverage	15.19
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.11	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	5.8
	3-Year EBITDA Growth Rate	4.9
	3-Year EPS without NRI Growth Rate	5.2
	3-Year FCF Growth Rate	10.3
	3-Year Book Growth Rate	-13.3
	Future 3-5Y EPS without NRI Growth Rate	7.29
	Future 3-5Y Total Revenue Growth Rate	-1.61

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	24.2
	9-Day RSI	26.5
	14-Day RSI	29.61
	6-1 Month Momentum %	13.73
	12-1 Month Momentum %	13.84

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.87
	Dividend Payout Ratio	0.9
	3-Year Dividend Growth Rate	7.7
	Forward Dividend Yield %	5.87
	5-Year Yield-on-Cost %	7.28
	3-Year Average Share Buyback Ratio	1
	Shareholder Yield %	10.23

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	6.23
	FCF Margin %	9.91
	ROE %	17.27
	ROA %	1.23
	ROIC %	1.45
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	16.72
	Forward PE Ratio	14.16
	PE Ratio without NRI	16.44
	Shiller PE Ratio	17.88
	Price-to-Owner-Earnings	5.61
	PEG Ratio	54.8
	PS Ratio	1.04
	PB Ratio	2.94
	Price-to-Tangible-Book	5.49
	Price-to-Free-Cash-Flow	10.51
	Price-to-Operating-Cash-Flow	9.91
	EV-to-EBIT	11.57
	EV-to-Forward-EBIT	10.95
	EV-to-EBITDA	10.31
	EV-to-Revenue	1.14
	EV-to-Forward-Revenue	1.1
	EV-to-FCF	11.61
	Price-to-Projected-FCF	1.14
	Price-to-Median-PS-Value	1.47
	Price-to-Graham-Number	2
	Earnings Yield (Greenblatt) %	8.64
	FCF Yield %	9.68
	Forward Rate of Return (Yacktman) %	6.47

GF Value: CHF444.77

XSWX:ZURN

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