SREN Stock Analysis: Swiss Re | SW
Insurance - Reinsurance | SW, Switzerland | Market Cap: 42.468m CHF | 12M Return: 6.3% | CH0126881561 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 92.0M
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Swiss Re AG is a Zurich-headquartered global reinsurer providing reinsurance, insurance, and other insurance-based risk transfer solutions across three segments: Property & Casualty Reinsurance, Life & Health Reinsurance, and Corporate Solutions. Reinsurance is a risk-sharing mechanism in which insurers transfer portions of their underwriting exposure to a third party so that primary carriers can manage catastrophic losses and capital allocation more effectively.
The Property & Casualty segment covers a broad range of specialty lines including aviation, marine, agriculture, cyber, and renewable energy, in addition to traditional property and casualty risks, and the Life & Health Reinsurance segment underwrites life and health products. Clients include stock and mutual insurance companies, public sector and governmental entities, mid-sized and large corporations, and individuals. Founded in 1863, Swiss Re is among the longest-established participants in the global reinsurance industry.
- P&C reinsurance pricing holds at elevated hard market levels
- Natural catastrophe losses pressure underwriting margins and combined ratio
- Higher rates boost investment income and support capital returns
| Net Income: 4.97b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.06 > 1.0 |
| NWC/Revenue: -154.2% < 20% (prev 42.76%; Δ -197.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.16b > Net Income 4.97b |
| Net Debt (5.53b) to EBITDA (6.48b): 0.85 < 3 |
| Current Ratio: 0.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (295.9m) vs 12m ago -1.32% < -2% |
| Gross Margin: 66.47% > 18% (prev 100.0%; Δ -33.53% > 0.5%) |
| Asset Turnover: 34.95% > 50% (prev 16.23%; Δ 18.72% > 0%) |
| Interest Coverage Ratio: 13.32 > 6 (EBIT TTM 6.48b / Interest Expense TTM 486.6m) |
| A: -0.54 (Total Current Assets 14.7b - Total Current Liabilities 87.1b) / Total Assets 133b |
| B: 0.21 (Retained Earnings 28.3b / Total Assets 133b) |
| C: 0.05 (EBIT TTM 6.48b / Avg Total Assets 134b) |
| D: 0.23 (Book Value of Equity 24.5b / Total Liabilities 109b) |
| Altman-Z'' = -2.31 = D |
| DSRI: 3.0 (Receivables 10.8b/681.0m, Revenue 46.9b/22.0b) |
| GMI: 1.50 (GM 100.0% / 66.47%) |
| AQI: 3.15 (AQ_t 0.89 / AQ_t-1 0.28) |
| SGI: 2.14 (Revenue 46.9b / 22.0b) |
| TATA: 0.01 (NI 4.97b - CFO 3.16b) / TA 133b) |
| Beneish M = 1.17 (Cap -4..+1) = D |
As of October 17, 2026, the stock is trading at CHF 150.00 with a total of 1,189,661 shares traded. Over the past week, the price has changed by +4.17%, over one month by +7.68%, over three months by +10.42% and over the past year by +6.33%.
Current recommended Stop Loss: 146.50 (which is 2.3% or 1.4 ATR below the current price).
Swiss Re has no consensus analysts rating.
Market Cap USD = 51.5b (42.5b CHF * 1.2136 CHF.USD)
P/E Trailing = 11.0514
P/E Forward = 8.9686
P/S = 1.0149
P/B = 1.9945
P/EG = 0.8009
Revenue TTM = 46.9b USD
EBIT TTM = 6.48b USD
EBITDA TTM = 6.48b USD
Long Term Debt = 8.99b USD (from longTermDebt, last quarter)
Short Term Debt = 319.9m USD (from shortTermDebt, last quarter)
Debt = 9.47b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.53b USD (calculated: Debt 9.47b - CCE 3.94b)
Enterprise Value = 57.1b USD (51.5b + Debt 9.47b - CCE 3.94b)
Interest Coverage Ratio = 13.32 (Ebit TTM 6.48b / Interest Expense TTM 486.6m)
EV/FCF = 18.04x (Enterprise Value 57.1b / FCF TTM 3.16b)
FCF Yield = 5.54% (FCF TTM 3.16b / Enterprise Value 57.1b)
FCF Margin = 6.74% (FCF TTM 3.16b / Revenue TTM 46.9b)
Net Margin = 10.58% (Net Income TTM 4.97b / Revenue TTM 46.9b)
Gross Margin = 66.47% ((Revenue TTM 46.9b - Cost of Revenue TTM 15.7b) / Revenue TTM)
Gross Margin QoQ = 28.52% (prev none%)
Tobins Q-Ratio = 0.43 (Enterprise Value 57.1b / Total Assets 133b)
Interest Expense / Debt = 5.14% (Interest Expense 486.6m / Debt 9.47b)
Taxrate = 23.68% (1.54b / 6.48b)
NOPAT = 4.95b (EBIT 6.48b * (1 - 23.68%))
Current Ratio = 0.17 (Total Current Assets 14.7b / Total Current Liabilities 87.1b)
Debt / Equity = 0.39 (Debt 9.47b / totalStockholderEquity, last quarter 24.5b)
Debt / EBITDA = 0.85 (Net Debt 5.53b / EBITDA 6.48b)
Debt / FCF = 1.75 (Net Debt 5.53b / FCF TTM 3.16b)
Total Stockholder Equity = 24.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.70% (Net Income 4.97b / Total Assets 133b)
RoE = 20.64% (Net Income TTM 4.97b / Total Stockholder Equity 24.1b)
RoCE = 19.62% (EBIT 6.48b / Capital Employed (Equity 24.1b + L.T.Debt 8.99b))
RoIC = 11.22% (NOPAT 4.95b / Invested Capital 44.1b)
WACC = 5.73% (E(51.5b)/V(61.0b) * Re(6.06%) + D(9.47b)/V(61.0b) * Rd(5.14%) * (1-Tc(0.24)))
Discount Rate = 6.06% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -39.28 | Cagr: -1.13%
[DCF] Terminal Value 75.58% ; FCFF base≈3.15b ; Y1≈3.19b ; Y5≈3.44b
[DCF] Fair Price = 162.4 (EV 53.4b - Net Debt 5.53b = Equity 47.9b / Shares 294.9m; r=8.35% [WACC [floored]]; 5y FCF grow 1.08% → 2.50% )
EPS Correlation: 76.81 | EPS CAGR: 17.53% | SUE: 0.16 | # QB: 0
Revenue Correlation: -5.10 | Revenue CAGR: -1.93% | SUE: 3.84 | # QB: 2
EPS current Quarter (2026-09-30): EPS=3.69 | Chg30d=-2.40% | Revisions=-40% | Analysts=2
EPS current Year (2026-12-31): EPS=16.53 | Chg30d=+1.47% | Revisions=+50% | GrowthEPS=+5.5% | GrowthRev=-1.7%
EPS next Year (2027-12-31): EPS=15.65 | Chg30d=-0.26% | Revisions=+10% | GrowthEPS=-5.3% | GrowthRev=+0.9%
[Analyst] Revisions Ratio: +21% (up=10, down=6)