Zurich Insurance Group has announced robust financial results for the fiscal year 2025, reflecting the company’s strategic focus on disciplined underwriting and operational efficiency. Net profit attributable to shareholders rose by 17 per cent, reaching USD 6.8 billion, underpinned by strong performances across its Property & Casualty and Life Insurance divisions.
Earnings per share (EPS) increased to USD 45.13, up 13 per cent from the previous year. The Group attributed this sustained growth to disciplined insurance approval processes, favourable claims experience, and effective cost management, signalling continued resilience amid evolving market conditions.
Property & Casualty Division Performance
The Property & Casualty segment delivered a business profit of USD 5.1 billion, marking a 22 per cent increase year-on-year. The division reported a combined ratio of 92.6 per cent, reflecting enhanced underwriting discipline and improved risk management practices. Total written premiums exceeded USD 50 billion, representing a 5 per cent increase over the prior year. These results highlight the division’s profitability and ability to control risk while supporting sustainable growth.
Life Insurance Division Highlights
The Life Insurance division achieved a business profit of USD 2.3 billion, up 2 per cent compared to 2024. Excluding one-off items, the underlying profit increased by 10 per cent, demonstrating stable demand for life insurance products. Total written premiums for life insurance rose 7 per cent, while the contractual service margin reached a record level, reinforcing Zurich’s strong balance sheet and future profit potential.
Key Financial Metrics – FY 2025
| Metric | 2025 | Year-on-Year Change |
|---|---|---|
| Net profit (shareholders) | USD 6.8 billion | +17% |
| Earnings per share | USD 45.13 | +13% |
| Property & Casualty profit | USD 5.1 billion | +22% |
| Combined ratio | 92.6% | Improved |
| Total written premiums | >USD 50 billion | +5% |
| Life Insurance profit | USD 2.3 billion | +2% (Underlying +10%) |
| Life Insurance premiums | – | +7% |
| Contractual service margin | Record | – |
Zurich Insurance’s leadership described the 2025 results as a reflection of disciplined underwriting, strategic growth initiatives, and long-term shareholder value creation. The Group stated that these results position the company strongly for expansion in both mature and emerging markets, particularly against the backdrop of stabilising global economic conditions.
Overall, Zurich Insurance Group’s fiscal 2025 performance demonstrates operational excellence, resilience, and the ability to leverage a diversified insurance portfolio for profitable growth. The results underscore the company’s strategic focus on sustainable growth, risk management, and long-term value creation for shareholders.
