(SLHN) Swiss Life Holding - Ratings and Ratios
Life Insurance, Pension Plans, Investment Products, Asset Management
Description: SLHN Swiss Life Holding
Swiss Life Holding AG is a leading provider of life, pensions, and financial solutions for private and corporate clients, operating across multiple regions including Switzerland, France, Germany, and the UK. The companys diverse product portfolio includes life, pension, health, annuity, and investment-type policies, as well as disability coverage and other insurance products.
With a strong presence in Europe, Swiss Life Holding AG has established a significant market position, leveraging its sales force and distribution partners to deliver its products under various brands, including Swiss Life Select, Tecis, and Chase de Vere. The companys asset management and advisory services further enhance its capabilities, providing a comprehensive range of financial solutions.
From a financial perspective, Swiss Life Holding AG demonstrates a robust performance, with a Return on Equity (RoE) of 31.15%, indicating a strong ability to generate profits from shareholder equity. The companys Price-to-Earnings (P/E) ratio of 19.23 and forward P/E of 18.55 suggest a relatively stable valuation, while its Market Capitalization of 23.21 billion CHF underscores its significant market presence.
Additional key performance indicators (KPIs) that can be used to evaluate Swiss Life Holding AGs performance include its solvency ratio, which is likely to be robust given its strong market position and diversified product portfolio. The companys dividend yield and payout ratio can also provide insights into its ability to generate cash and return value to shareholders. Furthermore, metrics such as the combined ratio and expense ratio can help assess the companys operational efficiency and profitability.
Overall, Swiss Life Holding AGs diversified business model, strong market presence, and robust financial performance position it as a significant player in the European insurance and financial services landscape.
SLHN Stock Overview
| Market Cap in USD | 31,193m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception |
SLHN Stock Ratings
| Growth Rating | 93.6% |
| Fundamental | 55.3% |
| Dividend Rating | 78.4% |
| Return 12m vs S&P 500 | 12.9% |
| Analyst Rating | - |
SLHN Dividends
| Dividend Yield 12m | 4.36% |
| Yield on Cost 5y | 12.15% |
| Annual Growth 5y | 10.53% |
| Payout Consistency | 72.3% |
| Payout Ratio | 83.7% |
SLHN Growth Ratios
| Growth Correlation 3m | 82.2% |
| Growth Correlation 12m | 92.7% |
| Growth Correlation 5y | 95.9% |
| CAGR 5y | 24.59% |
| CAGR/Max DD 5y | 0.86 |
| Sharpe Ratio 12m | 2.89 |
| Alpha | 24.70 |
| Beta | 0.369 |
| Volatility | 20.40% |
| Current Volume | 70.1k |
| Average Volume 20d | 42.4k |
| Stop Loss | 838 (-3%) |
| Signal | -2.05 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (2.32b TTM) > 0 and > 6% of Revenue (6% = 1.83b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -1.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -52.69% (prev 284.3%; Δ -337.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.00 (>3.0%) and CFO -887.0m <= Net Income 2.32b (YES >=105%, WARN >=100%) |
| Net Debt (4.35b) to EBITDA (2.84b) ratio: 1.53 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (28.5m) change vs 12m ago -8.62% (target <= -2.0% for YES) |
| Gross Margin 65.27% (prev 99.49%; Δ -34.22pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 21.85% (prev 43.09%; Δ -21.23pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.27 (EBITDA TTM 2.84b / Interest Expense TTM 636.0m) >= 6 (WARN >= 3) |
Altman Z'' -0.16
| (A) -0.07 = (Total Current Assets 2.61b - Total Current Liabilities 18.67b) / Total Assets 218.93b |
| (B) 0.04 = Retained Earnings (Balance) 9.39b / Total Assets 218.93b |
| (C) 0.02 = EBIT TTM 2.71b / Avg Total Assets 139.52b |
| (D) 0.04 = Book Value of Equity 9.40b / Total Liabilities 211.26b |
| Total Rating: -0.16 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 55.27
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 0.19% = 0.10 |
| 3. FCF Margin 0.18% = 0.05 |
| 4. Debt/Equity 1.23 = 1.79 |
| 5. Debt/Ebitda 3.25 = -2.08 |
| 6. ROIC - WACC 5.99% = 7.48 |
| 7. RoE 31.15% = 2.50 |
| 8. Rev. Trend -33.43% = -1.67 |
| 9. Rev. CAGR -15.57% = -2.50 |
| 10. EPS Trend 1.41% = 0.04 |
| 11. EPS CAGR 0.60% = 0.06 |
What is the price of SLHN shares?
Over the past week, the price has changed by -4.04%, over one month by +2.06%, over three months by +5.19% and over the past year by +32.05%.
Is Swiss Life Holding a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SLHN is around 1035.10 CHF . This means that SLHN is currently undervalued and has a potential upside of +19.8% (Margin of Safety).
Is SLHN a buy, sell or hold?
What are the forecasts/targets for the SLHN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 784.5 | -9.2% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 1128.3 | 30.6% |
SLHN Fundamental Data Overview
Market Cap CHF = 25.01b (25.01b CHF * 1.0 CHF.CHF)
CCE Cash And Equivalents = 5.05b CHF (last quarter)
P/E Trailing = 20.7087
P/E Forward = 20.0401
P/S = 2.0873
P/B = 3.3316
P/EG = 2.6021
Beta = 0.939
Revenue TTM = 30.49b CHF
EBIT TTM = 2.71b CHF
EBITDA TTM = 2.84b CHF
Long Term Debt = 9.22b CHF (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 9.22b CHF (Calculated: Short Term 0.0 + Long Term 9.22b)
Net Debt = 4.35b CHF (from netDebt column, last quarter)
Enterprise Value = 29.17b CHF (25.01b + Debt 9.22b - CCE 5.05b)
Interest Coverage Ratio = 4.27 (Ebit TTM 2.71b / Interest Expense TTM 636.0m)
FCF Yield = 0.19% (FCF TTM 56.0m / Enterprise Value 29.17b)
FCF Margin = 0.18% (FCF TTM 56.0m / Revenue TTM 30.49b)
Net Margin = 7.60% (Net Income TTM 2.32b / Revenue TTM 30.49b)
Gross Margin = 65.27% ((Revenue TTM 30.49b - Cost of Revenue TTM 10.59b) / Revenue TTM)
Tobins Q-Ratio = 3.10 (Enterprise Value 29.17b / Book Value Of Equity 9.40b)
Interest Expense / Debt = 2.97% (Interest Expense 274.0m / Debt 9.22b)
Taxrate = 22.97% (from yearly Income Tax Expense: 376.0m / 1.64b)
NOPAT = 2.09b (EBIT 2.71b * (1 - 22.97%))
Current Ratio = 0.14 (Total Current Assets 2.61b / Total Current Liabilities 18.67b)
Debt / Equity = 1.23 (Debt 9.22b / last Quarter total Stockholder Equity 7.52b)
Debt / EBITDA = 3.25 (Net Debt 4.35b / EBITDA 2.84b)
Debt / FCF = 164.7 (Debt 9.22b / FCF TTM 56.0m)
Total Stockholder Equity = 7.44b (last 4 quarters mean)
RoA = 1.06% (Net Income 2.32b, Total Assets 218.93b )
RoE = 31.15% (Net Income TTM 2.32b / Total Stockholder Equity 7.44b)
RoCE = 16.29% (Ebit 2.71b / (Equity 7.44b + L.T.Debt 9.22b))
RoIC = 11.99% (NOPAT 2.09b / Invested Capital 17.44b)
WACC = 6.00% (E(25.01b)/V(34.23b) * Re(7.37%)) + (D(9.22b)/V(34.23b) * Rd(2.97%) * (1-Tc(0.23)))
Shares Correlation 5-Years: -100.0 | Cagr: -2.78%
Discount Rate = 7.37% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈421.5m ; Y1≈276.7m ; Y5≈126.6m
Fair Price DCF = 87.19 (DCF Value 2.49b / Shares Outstanding 28.5m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: -33.43 | Revenue CAGR: -15.57%
Rev Growth-of-Growth: 22.73
EPS Correlation: 1.41 | EPS CAGR: 0.60%
EPS Growth-of-Growth: 163.6