Zurich Insurance Group full year 2025 results investor and media presentation
🎯 The Zurich Insurance Group full year 2025 results investor and media presentation is a 65-slide deck published on February 19, 2026, presenting Zurich Insurance Group's consolidated financial results for the fiscal year ended December 31, 2025. The presentation was prepared for investors and media and marks the first reporting period of the Group's 2025–2027 strategic cycle.
📈 Performance: Zurich reported a record business operating profit (BOP) of USD 8.9 billion, up 14% year-on-year in local currencies, and record net income attributable to shareholders (NIAS) of USD 6.8 billion. The Group achieved a Core ROE of 26.9%, well above the 2025–2027 target of greater than 23%. Property & Casualty gross written premiums surpassed USD 50 billion for the first time, with a combined ratio of 92.6%. Life delivered an all-time high contractual service margin (CSM) of USD 13.8 billion. The Farmers segment posted record full-year BOP, supported by accelerating policy count growth at the Farmers Exchanges. The Group's estimated Swiss Solvency Test (SST) ratio stood at 259%, and a proposed dividend of CHF 30 per share represents a 7% increase over the prior year.
📃 Source: Investor and media presentation including commentary – Annual results 2025 (PDF), Zurich Insurance Group.
📚 Contents: Here is a summary of the contents by section