Zurich Insurance Group AG ZFSVF OTC

Zurich Insurance Group AG (ZFSVF) generated $23.73B in operating cash flow for fiscal year 2025. After capital expenditures of $502.84M, free cash flow was $23.23B.

Free cash flow margin was 25.3% of revenue. Cash conversion ratio was 3.33x, indicating earnings are backed by cash.

The company returned $4.89B in dividends and $471.41M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (75/100, Pass) — demonstrate the company can comfortably service its debt
• MOAT (90/100, Pass) — $23.23B (25.3% FCF margin) supports a durable competitive advantage
• INCOME (45/100) — Cash conversion ratio was 3.33x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 74/100 with 5/7 criteria passed.