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Zurich Insurance Group
Zurich Insurance Group (ZURN) investor relations material
Zurich Insurance Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Feb, 2026
Executive summary
Achieved record business operating profit (BOP) of USD 8.9 billion, up 14% year-over-year, and net income attributable to shareholders of USD 6.8 billion, a 17% increase, with Core ROE at 26.9%.
Core earnings per share rose 13% to USD 45.1, and a dividend increase to CHF 30 per share is proposed, up over 7% year-over-year.
All business segments—P&C, Life, and Farmers—delivered strong growth and momentum, with record profitability and operational discipline.
Total assets reached $407.2 billion, up from $358.0 billion at the end of 2024.
Dividend has increased by 50% since 2020 and 76% since 2016.
Financial highlights
Gross written premiums (GWP) surpassed USD 50 billion for the first time, up 8% year-over-year.
P&C BOP rose 22% to USD 5.1 billion, with a combined ratio improvement to 92.6%.
Life BOP reached USD 2.3 billion, up 10% year-over-year, with record-high contractual service margin (CSM) at USD 13.8 billion.
Farmers BOP up 4% to USD 2.4 billion, with Exchanges GWP up 4% and combined ratio at 84.6%.
Cash remittances totaled USD 7.4 billion, supporting a payout ratio of 75-76%, and SST ratio stood at 259%.
Outlook and guidance
Confident in achieving or exceeding 2027 financial targets, with strong momentum and focus on profitable organic growth.
P&C insurance revenue and Life BOP expected to grow by mid-single digits year-over-year in 2026; Farmers Exchanges GWP to grow mid-to-high single digits.
Life business maintains a conservative mid-single digit profit growth outlook, despite strong recent performance.
Group Functions and Operations net expenses expected at USD 800-850m; effective tax rate between 25-27%.
IFRS 18 and IFRS 19 will impact presentation and disclosure from 2027, but are not expected to materially affect financial position or performance.
Impact of Commercial motor portfolio actions
Brazil bancassurance JV sales normalization impact
Why did Specialty GWP growth slow?
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Next Zurich Insurance Group earnings date
Q1 202613 May, 2026
Zurich Insurance Group
Next Zurich Insurance Group earnings date
Q1 202613 May, 2026
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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.
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