Is Zurich Insurance (ZURN) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 23.8% | |
| Operating Margin | 14.9% | |
| Net Margin | 9.3% | |
| Return on Equity (ROE) | 25.2% | |
| Return on Assets (ROA) | 1.7% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $5.9B |
| Free Cash Flow | $5.4B |
| Total Debt | $15.7B |
| Debt-to-Equity | 58.8 |
| Current Ratio | 5.1 |
| Total Assets | $407.2B |
Price & Trading
| Last Close | CHF 548.00 |
| 50-Day MA | CHF 553.78 |
| 200-Day MA | CHF 566.93 |
| Avg Volume | 348K |
| Beta | 0.3 |
|
52-Week Range
CHF 519.60
| |
About Zurich Insurance (ZURN)
Zurich Insurance Group AG provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. It operates through Property & Casualty Regions, Life Regions, and Farmers segments. The company offers car and motor, home, travel, general liability, life and critical illness, and other insurance products; and saving and investment, and pension and retirement planning products. It also provides property, casualty, energy and engineering lines, and marine; management liability, financial institutions, and professional indemnity; and cyber, accident and health, and credit lines and surety insurance products, as well as non-claims and ancillary services to the farmers exchanges. In addition, it offers employee benefit insurance products; and climate resilience, risk engineering, captive, cyber resilience, and reinsurance services. It serves individuals, small businesses, mid-sized and large companies, and multinational corporations. The company sells its products through agents, brokers, and bank distribution channels. Zurich Insurance Group AG was founded in 1872 and is based in Zurich, Switzerland.
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Frequently Asked Questions
Is Zurich Insurance (ZURN) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Zurich Insurance is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Zurich Insurance's debt ratio?
Zurich Insurance's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Zurich Insurance's key financial metrics?
Zurich Insurance has a market capitalization of $81.8B, trailing P/E ratio of 14.7, and revenue of $88.7B. The company maintains a gross margin of 23.8% and a net margin of 9.3%. Return on equity stands at 25.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.