Zurich Insurance Group AG (SWX:ZURN)

Zurich Insurance Group AG Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	62,945	59,410	56,001	50,680	42,929
Total Interest & Dividend Income	5,742	1,761	2,230	3,600	19,439
Gain (Loss) on Sale of Investments	1,810	1,084	-696	-1,844	2,038
Non-Insurance Activities Revenue	-	97	98	112	102
Other Revenue	2,586	6,366	6,097	6,092	1,279
Total Revenue	73,076	68,718	63,730	58,640	70,052
Revenue Growth (YoY)	6.34%	7.83%	8.68%	-16.29%	18.84%
Policy Benefits	55,678	53,293	50,304	46,329	43,785
Policy Acquisition & Underwriting Costs	-	-	-	-	9,213
Selling, General & Administrative	3,830	3,575	3,583	3,757	8,794
Non-Insurance Activities Expense	-	194	99	236	285
Other Operating Expenses	3,069	2,864	2,727	2,341	-
Total Operating Expenses	62,577	59,926	56,713	52,663	62,077
Operating Income	10,499	8,792	7,017	5,977	7,975
Interest Expense	-460	-440	-456	-444	-469
Other Non Operating Income (Expenses)	2	-1	1	-	-1
EBT Excluding Unusual Items	10,041	8,351	6,562	5,533	7,505
Gain (Loss) on Sale of Assets	-	114	-104	-159	-185
Pretax Income	10,041	8,465	6,458	5,374	7,320
Income Tax Expense	2,840	2,261	1,741	1,076	1,895
Earnings From Continuing Ops.	7,201	6,204	4,717	4,298	5,425
Minority Interest in Earnings	-403	-390	-366	-334	-223
Net Income	6,798	5,814	4,351	3,964	5,202
Net Income to Common	6,798	5,814	4,351	3,964	5,202
Net Income Growth	16.93%	33.62%	9.76%	-23.80%	35.68%
Shares Outstanding (Basic)	143	144	145	148	149
Shares Outstanding (Diluted)	144	145	146	150	150
Shares Change (YoY)	-0.54%	-1.06%	-2.15%	-0.33%	0.07%
EPS (Basic)	47.68	40.48	29.95	26.70	34.99
EPS (Diluted)	47.20	40.15	29.73	26.50	34.66
EPS Growth	17.56%	35.05%	12.19%	-23.54%	35.60%
Free Cash Flow	5,423	7,233	6,927	4,507	2,591
Free Cash Flow Per Share	37.65	49.95	47.33	30.13	17.27
Dividend Per Share	-	30.899	30.877	25.955	24.133
Dividend Growth	-	0.07%	18.96%	7.55%	6.76%
Operating Margin	14.37%	12.79%	11.01%	10.19%	11.38%
Profit Margin	9.30%	8.46%	6.83%	6.76%	7.43%
Free Cash Flow Margin	7.42%	10.53%	10.87%	7.69%	3.70%
EBITDA	11,357	9,034	7,263	6,210	8,250
EBITDA Margin	15.54%	13.15%	11.40%	10.59%	11.78%
D&A For EBITDA	858	242	246	233	275
EBIT	10,499	8,792	7,017	5,977	7,975
EBIT Margin	14.37%	12.79%	11.01%	10.19%	11.38%
Effective Tax Rate	28.28%	26.71%	26.96%	20.02%	25.89%
Revenue as Reported	-	-	-	-	69,867

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.