)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
Zurich Insurance Group (ZURN) investor relations material
Zurich Insurance Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Record business operating profit of USD 4.2bn, up 6% year-over-year, with all segments contributing to growth.
Net income attributable to shareholders reached USD 3.1bn, with core ROE at 26.3% and core EPS up 40%.
Swiss Solvency Test (SST) ratio at 255%, reflecting robust capital and resilience.
All-time high Contractual Service Margin (CSM) in Life at USD 13.3bn, with margin expansion.
Farmers segment delivered strong policy growth and underwriting, with a surplus ratio above 45%.
Financial highlights
P&C business operating profit up 9% to USD 2.4bn; combined ratio improved to 92.4%.
Life BOP at USD 1bn, up 4% underlying; gross written premiums up 14%; new business premiums up 20%.
Farmers BOP up 4% to USD 1.2bn, with policy growth and a combined ratio at 90.5%.
Net investment result on Group investments fell 10% to USD 3.0bn; net investment return at 1.9%.
Net income attributable to shareholders at USD 3.1bn, with a 26.3% effective tax rate.
Outlook and guidance
Targeting over 9% CAGR in core EPS from a 2024 baseline of USD 40.1/share, core ROE above 23%, and cumulative cash remittances exceeding USD 19bn by 2027.
Insurance revenue in P&C expected to grow mid-single digit year-over-year; Life BOP to remain in line with FY-24 record level.
Confident in achieving mid to high single-digit growth at Farmers and maintaining strong profitability in P&C.
Dividend for the year considered very safe, with cash remittances ahead of 2027 targets.
No material impact anticipated from BEPS Pillar II tax changes; ongoing monitoring of regulatory developments.
How did AIG Travel acquisition impact P&C?
What drove the 14% CSM increase in Life?
What's the expected completion for UK Employers' Liability portfolio transfer?
How will Farmers' growth affect the profit mix target?
Explain the higher P&C expense ratio.
What's the outlook for German Life back book sale?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Zurich Insurance Group earnings date
Q3 20256 Nov, 2025
Next Zurich Insurance Group earnings date
Q3 20256 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
Zurich Insurance Group AG provides a range of insurance and risk management products to individuals, small businesses, and large corporations. The company operates in life and general insurance markets globally and offers coverage through multiple distribution channels. It also provides reinsurance and investment services. The company is headquartered in Zurich, Switzerland, and its shares are listed on the SIX.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage