SREN Stock Analysis: Swiss Re | SW
Insurance - Reinsurance | SW, Switzerland | Market Cap: 41.274m CHF | 12M Return: 3.6% | CH0126881561 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 96.8M
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 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 global reinsurer founded in 1863 and headquartered in Zurich, Switzerland. The company operates through three main segments: Property & Casualty Reinsurance, Life & Health Reinsurance, and Corporate Solutions, offering risk transfer solutions across multiple lines including property, casualty, aviation, marine, cyber, and life and health products.
Swiss Re serves a broad client base that includes stock and mutual insurance companies, public sector and governmental entities, mid-sized and large corporations, and individuals. As a reinsurer, the company essentially provides insurance to insurance companies, helping primary insurers manage large or catastrophic risks by assuming portions of their underwriting exposure.
- P&C renewal pricing softens amid easing market conditions
- Major catastrophe losses pressure combined ratio
- Higher fixed income yields lift net investment income
| 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 September 01, 2026, the stock is trading at CHF 140.55 with a total of 761,229 shares traded. Over the past week, the price has changed by +0.29%, over one month by +4.23%, over three months by +21.06% and over the past year by +3.55%.
Current recommended Stop Loss: 135.80 (which is 3.4% or 2.1 ATR below the current price).
Swiss Re has no consensus analysts rating.
Market Cap USD = 51.0b (41.3b CHF * 1.2358 CHF.USD)
P/E Trailing = 10.7077
P/E Forward = 9.2593
P/S = 0.9863
P/B = 2.0822
P/EG = 0.8009
Revenue TTM = 46.9b USD
EBIT TTM = 6.48b USD
EBITDA TTM = 6.48b USD
Long Term Debt = 8.54b USD (from longTermDebt, last fiscal year)
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 = 56.5b USD (51.0b + Debt 9.47b - CCE 3.94b)
Interest Coverage Ratio = 13.32 (Ebit TTM 6.48b / Interest Expense TTM 486.6m)
EV/FCF = 17.87x (Enterprise Value 56.5b / FCF TTM 3.16b)
FCF Yield = 5.60% (FCF TTM 3.16b / Enterprise Value 56.5b)
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 = 0.42 (Enterprise Value 56.5b / 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 = 19.89% (EBIT 6.48b / Capital Employed (Equity 24.1b + L.T.Debt 8.54b))
RoIC = 11.22% (NOPAT 4.95b / Invested Capital 44.1b)
WACC = 5.80% (E(51.0b)/V(60.5b) * Re(6.15%) + D(9.47b)/V(60.5b) * Rd(5.14%) * (1-Tc(0.24)))
Discount Rate = 6.15% (= 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=16.28 | Chg30d=+1.42% | Revisions=+18% | GrowthEPS=+3.9% | GrowthRev=-1.2%
EPS next Year (2027-12-31): EPS=15.67 | Chg30d=-1.90% | Revisions=-30% | GrowthEPS=-3.8% | GrowthRev=+1.1%
[Analyst] Revisions Ratio: -15% (up=7, down=10)