Swiss Life Holding AG Logo

Swiss Life Holding AG

SWSDF

(2.5)
Stock Price

829,89 USD

0.51% ROA

15.08% ROE

18.94x PER

Market Cap.

20.135.136.374,51 USD

209.7% DER

4.59% Yield

7.09% NPM

Swiss Life Holding AG Stock Analysis

Swiss Life Holding AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Swiss Life Holding AG Fundamental Stock Analysis
# Analysis Rating
1 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past five years, consistently delivering higher returns to investors.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

The stock's ROE falls within an average range (10.91%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.68%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.65x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (9.123), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 DER

The stock is burdened with a heavy load of debt (111%), making it financially unstable and potentially risky for investors.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

Swiss Life Holding AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Swiss Life Holding AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Buy
4 Stoch RSI Sell

Swiss Life Holding AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Swiss Life Holding AG Revenue
Year Revenue Growth
2004 22.505.000.000
2005 21.542.000.000 -4.47%
2006 21.531.000.000 -0.05%
2007 18.971.000.000 -13.49%
2008 15.356.000.000 -23.54%
2009 17.816.000.000 13.81%
2010 17.844.000.000 0.16%
2011 17.291.000.000 -3.2%
2012 19.074.000.000 9.35%
2013 19.431.000.000 1.84%
2014 20.471.000.000 5.08%
2015 20.575.000.000 0.51%
2016 19.692.000.000 -4.48%
2017 18.694.000.000 -5.34%
2018 20.010.000.000 6.58%
2019 24.264.000.000 17.53%
2020 21.715.000.000 -11.74%
2021 22.157.000.000 1.99%
2022 21.274.000.000 -4.15%
2023 15.105.000.000 -40.84%
2024 31.844.000.000 52.57%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Swiss Life Holding AG Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Swiss Life Holding AG General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 510.000.000
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 174.000.000 100%
2012 171.000.000 -1.75%
2013 176.000.000 2.84%
2014 185.000.000 4.86%
2015 158.000.000 -17.09%
2016 167.000.000 5.39%
2017 172.000.000 2.91%
2018 201.000.000 14.43%
2019 209.000.000 3.83%
2020 219.000.000 4.57%
2021 238.000.000 7.98%
2022 245.000.000 2.86%
2023 245.000.000 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Swiss Life Holding AG EBITDA
Year EBITDA Growth
2004 1.811.000.000
2005 2.465.000.000 26.53%
2006 2.688.000.000 8.3%
2007 2.736.000.000 1.75%
2008 1.408.000.000 -94.32%
2009 1.507.000.000 6.57%
2010 1.605.000.000 6.11%
2011 1.532.000.000 -4.77%
2012 728.000.000 -110.44%
2013 1.433.000.000 49.2%
2014 1.440.000.000 0.49%
2015 1.552.000.000 7.22%
2016 1.614.000.000 3.84%
2017 1.677.000.000 3.76%
2018 1.742.000.000 3.73%
2019 2.143.000.000 18.71%
2020 2.728.000.000 21.44%
2021 1.421.000.000 -91.98%
2022 2.379.000.000 40.27%
2023 -1.000.000 238000%
2024 108.000.000 100.93%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Swiss Life Holding AG Gross Profit
Year Gross Profit Growth
2004 22.505.000.000
2005 21.542.000.000 -4.47%
2006 21.531.000.000 -0.05%
2007 18.971.000.000 -13.49%
2008 15.356.000.000 -23.54%
2009 17.816.000.000 13.81%
2010 17.844.000.000 0.16%
2011 17.291.000.000 -3.2%
2012 19.074.000.000 9.35%
2013 19.431.000.000 1.84%
2014 20.471.000.000 5.08%
2015 20.575.000.000 0.51%
2016 19.692.000.000 -4.48%
2017 18.694.000.000 -5.34%
2018 20.010.000.000 6.58%
2019 24.264.000.000 17.53%
2020 21.715.000.000 -11.74%
2021 22.157.000.000 1.99%
2022 21.274.000.000 -4.15%
2023 15.105.000.000 -40.84%
2024 31.844.000.000 52.57%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Swiss Life Holding AG Net Profit
Year Net Profit Growth
2004 579.000.000
2005 860.000.000 32.67%
2006 933.000.000 7.82%
2007 1.345.000.000 30.63%
2008 350.000.000 -284.29%
2009 278.000.000 -25.9%
2010 554.000.000 49.82%
2011 605.000.000 8.43%
2012 98.000.000 -517.35%
2013 781.000.000 87.45%
2014 814.000.000 4.05%
2015 880.000.000 7.5%
2016 922.000.000 4.56%
2017 1.007.000.000 8.44%
2018 1.076.000.000 6.41%
2019 1.199.000.000 10.26%
2020 1.046.000.000 -14.63%
2021 1.247.000.000 16.12%
2022 1.182.000.000 -5.5%
2023 1.094.000.000 -8.04%
2024 2.476.000.000 55.82%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Swiss Life Holding AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 19
2005 26 28%
2006 28 7.41%
2007 41 32.5%
2008 11 -300%
2009 9 -25%
2010 17 52.94%
2011 19 5.56%
2012 3 -500%
2013 24 87.5%
2014 26 4%
2015 27 7.41%
2016 29 3.57%
2017 31 6.67%
2018 32 3.23%
2019 37 13.89%
2020 33 -12.5%
2021 40 20%
2022 48 14.89%
2023 37 -27.03%
2024 86 56.47%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Swiss Life Holding AG Free Cashflow
Year Free Cashflow Growth
2004 697.000.000
2005 6.996.000.000 90.04%
2006 -7.451.000.000 193.89%
2007 -1.387.000.000 -437.2%
2008 4.114.000.000 133.71%
2009 -269.000.000 1629.37%
2010 -831.000.000 67.63%
2011 1.110.000.000 174.86%
2012 1.487.000.000 25.35%
2013 -930.000.000 259.89%
2014 559.000.000 266.37%
2015 -737.000.000 175.85%
2016 1.989.000.000 137.05%
2017 1.024.000.000 -94.24%
2018 1.096.000.000 6.57%
2019 2.110.000.000 48.06%
2020 421.000.000 -401.19%
2021 207.000.000 -103.38%
2022 1.517.000.000 86.35%
2023 -1.084.000.000 239.94%
2024 -278.000.000 -289.93%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Swiss Life Holding AG Operating Cashflow
Year Operating Cashflow Growth
2004 821.000.000
2005 7.196.000.000 88.59%
2006 -7.338.000.000 198.06%
2007 -1.280.000.000 -473.28%
2008 4.360.000.000 129.36%
2009 -210.000.000 2176.19%
2010 -786.000.000 73.28%
2011 1.159.000.000 167.82%
2012 1.542.000.000 24.84%
2013 -863.000.000 278.68%
2014 650.000.000 232.77%
2015 -713.000.000 191.16%
2016 2.022.000.000 135.26%
2017 1.069.000.000 -89.15%
2018 1.144.000.000 6.56%
2019 2.161.000.000 47.06%
2020 464.000.000 -365.73%
2021 296.000.000 -56.76%
2022 1.600.000.000 81.5%
2023 -975.000.000 264.1%
2024 -215.000.000 -353.49%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Swiss Life Holding AG Capital Expenditure
Year Capital Expenditure Growth
2004 124.000.000
2005 200.000.000 38%
2006 113.000.000 -76.99%
2007 107.000.000 -5.61%
2008 246.000.000 56.5%
2009 59.000.000 -316.95%
2010 45.000.000 -31.11%
2011 49.000.000 8.16%
2012 55.000.000 10.91%
2013 67.000.000 17.91%
2014 91.000.000 26.37%
2015 24.000.000 -279.17%
2016 33.000.000 27.27%
2017 45.000.000 26.67%
2018 48.000.000 6.25%
2019 51.000.000 5.88%
2020 43.000.000 -18.6%
2021 89.000.000 51.69%
2022 83.000.000 -7.23%
2023 109.000.000 23.85%
2024 63.000.000 -73.02%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Swiss Life Holding AG Equity
Year Equity Growth
2004 6.490.000.000
2005 7.655.000.000 15.22%
2006 7.851.000.000 2.5%
2007 7.334.000.000 -7.05%
2008 6.652.000.000 -10.25%
2009 7.245.000.000 8.18%
2010 7.437.000.000 2.58%
2011 9.162.000.000 18.83%
2012 10.286.000.000 10.93%
2013 9.019.000.000 -14.05%
2014 12.832.000.000 29.71%
2015 12.258.000.000 -4.68%
2016 13.740.000.000 10.79%
2017 15.583.000.000 11.83%
2018 15.033.000.000 -3.66%
2019 16.435.000.000 8.53%
2020 17.263.000.000 4.8%
2021 16.521.000.000 -4.49%
2022 10.284.000.000 -60.65%
2023 8.547.000.000 -20.32%
2023 7.624.000.000 -12.11%
2024 7.123.000.000 -7.03%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Swiss Life Holding AG Assets
Year Assets Growth
2004 6.490.000.000
2005 177.299.000.000 96.34%
2006 186.950.000.000 5.16%
2007 179.757.000.000 -4%
2008 134.791.000.000 -33.36%
2009 143.948.000.000 6.36%
2010 147.203.000.000 2.21%
2011 151.875.000.000 3.08%
2012 163.400.000.000 7.05%
2013 170.530.000.000 4.18%
2014 192.854.000.000 11.58%
2015 189.252.000.000 -1.9%
2016 199.731.000.000 5.25%
2017 212.800.000.000 6.14%
2018 212.982.000.000 0.09%
2019 228.094.000.000 6.63%
2020 237.538.000.000 3.98%
2021 240.424.000.000 1.2%
2022 218.349.000.000 -10.11%
2023 215.268.000.000 -1.43%
2023 217.368.000.000 0.97%
2024 216.357.000.000 -0.47%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Swiss Life Holding AG Liabilities
Year Liabilities Growth
2004 45.794.000.000
2005 169.644.000.000 73.01%
2006 179.099.000.000 5.28%
2007 172.423.000.000 -3.87%
2008 128.139.000.000 -34.56%
2009 136.703.000.000 6.26%
2010 139.766.000.000 2.19%
2011 142.713.000.000 2.06%
2012 153.114.000.000 6.79%
2013 161.511.000.000 5.2%
2014 180.022.000.000 10.28%
2015 176.994.000.000 -1.71%
2016 185.991.000.000 4.84%
2017 197.217.000.000 5.69%
2018 197.949.000.000 0.37%
2019 211.659.000.000 6.48%
2020 220.275.000.000 3.91%
2021 223.903.000.000 1.62%
2022 208.065.000.000 -7.61%
2023 11.370.000.000 -1729.95%
2023 209.744.000.000 94.58%
2024 209.236.000.000 -0.24%

Swiss Life Holding AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
534.86
Net Income per Share
37.93
Price to Earning Ratio
18.94x
Price To Sales Ratio
1.31x
POCF Ratio
138.02
PFCF Ratio
-10067.57
Price to Book Ratio
2.96
EV to Sales
1.93
EV Over EBITDA
234.59
EV to Operating CashFlow
198.62
EV to FreeCashFlow
-14896.57
Earnings Yield
0.05
FreeCashFlow Yield
-0
Market Cap
20,14 Bil.
Enterprise Value
29,79 Bil.
Graham Number
455.18
Graham NetNet
-7079.45

Income Statement Metrics

Net Income per Share
37.93
Income Quality
0.14
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.77
EBT Per Ebit
3.05
Ebit per Revenue
0.03
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.03
Pretax Profit Margin
0.09
Net Profit Margin
0.07

Dividends

Dividend Yield
0.05
Dividend Yield %
4.59
Payout Ratio
0.86
Dividend Per Share
33

Operating Metrics

Operating Cashflow per Share
5.2
Free CashFlow per Share
-0.07
Capex to Operating CashFlow
1.01
Capex to Revenue
0.01
Capex to Depreciation
1.81
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
5.27

Balance Sheet

Cash per Share
180,96
Book Value per Share
247,10
Tangible Book Value per Share
225.93
Shareholders Equity per Share
242.79
Interest Debt per Share
521.15
Debt to Equity
2.1
Debt to Assets
0.07
Net Debt to EBITDA
76.05
Current Ratio
0.62
Tangible Asset Value
6,51 Bil.
Net Current Asset Value
-201,26 Bil.
Invested Capital
-3350000000
Working Capital
-4,93 Bil.
Intangibles to Total Assets
0
Average Receivables
-33,13 Bil.
Average Payables
79,92 Bil.
Average Inventory
630000000
Debt to Market Cap
0.73

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Swiss Life Holding AG Dividends
Year Dividends Growth
2010 2
2011 5 50%
2012 5 0%
2013 5 0%
2014 6 20%
2015 7 16.67%
2016 9 25%
2018 14 38.46%
2019 17 18.75%
2020 20 20%
2021 21 4.76%
2022 25 16%
2023 30 16.67%
2024 33 9.09%

Swiss Life Holding AG Profile

About Swiss Life Holding AG

Swiss Life Holding AG provides life insurance, risk, pensions, and financial solutions for private and corporate clients. It operates through Switzerland, France, Germany, International, and Asset Managers segments. The company offers a range of life, pension, health, annuity, and investment-type policies to groups and individuals, as well as disability coverage. It also provides property and casualty, liability and motor, accident, and health insurance. In addition, the company manages assets and provides advisory services for institutional clients. Further, the company engages in the private equity, information technology, real estate, banking, restaurant, and investment funds businesses. Swiss Life Holding AG distributes its products through its agents, financial advisors, and distribution partners. The company operates in Switzerland and internationally under the Swiss Life Select, Tecis, Horbach, Proventus, Chase de Vere, and Fincentrum brands. Swiss Life Holding AG was founded in 1857 and is headquartered in Zurich, Switzerland.

CEO
Mr. Matthias Aellig
Employee
9.134
Address
General-Guisan-Quai 40
Zurich, 8022

Swiss Life Holding AG Executives & BODs

Swiss Life Holding AG Executives & BODs
# Name Age
1 Mr. Theo Iaponas
Chief Executive Officer of International & Member of the Corporate Executive Board
70
2 Mr. Robert Moser
Head of Group Controlling
70
3 Ms. Heidi Hinterhuber
Head of Investor Relations
70
4 Mr. Jorg Arnold
Chief Executive Officer of Germany & Member of the Corporate Executive Board
70
5 Mr. Tanguy Polet
Chief Executive Officer of France & Member of the Corporate Executive Board
70
6 Rudolf Keller
Head of Corporate Finance and M&A
70
7 Mr. José Antonio Blanco
Head of Investment Management for Third-Party Asset Management - Swiss Life Asset Managers
70
8 Mr. Marco Gerussi
Group Chief Financial Officer & Member of Corporate Executive Board
70
9 Mr. Stefan Machler
Group Chief Investment Officer & Member of the Corporate Executive Board
70
10 Mr. Matthias Aellig
Group Chief Executive Officer & Member of Corporate Executive Board
70

Swiss Life Holding AG Competitors