Zurich Insurance Group AG (ZURVY)
OTCMKTS · Delayed Price · Currency is USD
36.61
-0.10 (-0.27%)
At close: Aug 28, 2026
Zurich Insurance Group AG Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 7,222 | 6,798 | 5,814 | 4,351 | 3,964 | 5,202 |
Depreciation & Amortization | 266 | 434 | 438 | 494 | 427 | 495 |
Other Amortization | 595 | 398 | 357 | 347 | 321 | 329 |
Gain (Loss) on Sale of Assets | 16 | 7 | -114 | 104 | 159 | 185 |
Gain (Loss) on Sale of Investments | -27,161 | -15,244 | -16,295 | -12,387 | 15,443 | -14,918 |
Change in Accounts Receivable | 10,837 | 9,641 | 6,907 | 4,238 | -1,006 | -2,059 |
Reinsurance Recoverable | -1,145 | -2,073 | 217 | -1,357 | -143 | -336 |
Change in Insurance Reserves / Liabilities | 14,161 | 6,638 | 9,414 | 7,395 | -11,962 | 17,161 |
Change in Other Net Operating Assets | -167 | -120 | -903 | -1,264 | 312 | 1,103 |
Other Operating Activities | -1,726 | -608 | 1,649 | 5,415 | -2,485 | -3,214 |
Operating Cash Flow | 2,933 | 5,903 | 7,603 | 7,345 | 5,042 | 3,167 |
Operating Cash Flow Growth | -57.07% | -22.36% | 3.51% | 45.68% | 59.20% | -44.45% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -510 | -480 | -370 | -418 | -535 | -576 |
Sale of Property, Plant & Equipment | 7 | 41 | 9 | 57 | 54 | 155 |
Cash Acquisitions | -94 | -50 | -1,078 | -734 | -328 | -2,446 |
Investment in Securities | -3 | -104 | -80 | -37 | - | -36 |
Other Investing Activities | - | - | - | - | - | 1 |
Investing Cash Flow | -598 | -593 | -1,404 | -1,132 | -654 | -2,886 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 744 | 728 | 544 | 2,551 | 2,664 |
Total Debt Repaid | -1,550 | -683 | -1,324 | -1,407 | -3,287 | -967 |
Net Debt Issued (Repaid) | -490 | 61 | -596 | -863 | -736 | 1,697 |
Issuance of Common Stock | 4,947 | - | - | - | - | - |
Repurchases of Common Stock | -446 | -450 | -1,309 | -2,023 | -770 | -455 |
Common Dividends Paid | -5,623 | -4,665 | -4,156 | -3,877 | -3,520 | -3,199 |
Other Financing Activities | -380 | -416 | -311 | -239 | -247 | -335 |
Financing Cash Flow | -1,992 | -5,470 | -6,372 | -7,002 | -5,273 | -2,292 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Foreign Exchange Rate Adjustments | -292 | 555 | -382 | 278 | -290 | -386 |
Miscellaneous Cash Flow Adjustments | -2 | -1 | - | 1 | - | 1 |
Net Cash Flow | 49 | 394 | -555 | -510 | -1,175 | -2,396 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 2,423 | 5,423 | 7,233 | 6,927 | 4,507 | 2,591 |
Free Cash Flow Growth | -62.26% | -25.02% | 4.42% | 53.69% | 73.95% | -49.68% |
Free Cash Flow Margin | 3.15% | 7.42% | 10.53% | 10.87% | 7.69% | 3.70% |
Free Cash Flow Per Share | 16.55 | 37.66 | 49.95 | 47.33 | 30.13 | 17.27 |
Levered Free Cash Flow | -445.5 | 1,323 | 4,388 | -9,242 | -14,543 | 3,402 |
Unlevered Free Cash Flow | -130.5 | 1,610 | 4,663 | -8,957 | -14,265 | 3,695 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 567 | 543 | 507 | 534 | 523 | 955 |
Cash Income Tax Paid | 2,410 | 2,192 | 1,702 | 1,665 | 1,465 | 1,486 |
Change in Working Capital | 23,686 | 14,086 | 15,635 | 9,012 | -12,799 | 15,059 |