• Zurich Insurance Group average pre-tax profit margin for 2015 was 7.37%, a 13.4% increase from 2014.
• Zurich Insurance Group average pre-tax profit margin for 2014 was 8.51%, a 7.45% decline from 2013.
• Zurich Insurance Group average pre-tax profit margin for 2013 was 7.92%, a 4.12% increase from 2012.

Pre-tax profit margin can be defined as earnings before taxes as a portion of total revenue.