Vaudoise Assurances Holding SA Logo

Vaudoise Assurances Holding SA

VAHN.SW

(3.0)
Stock Price

462,00 CHF

1.61% ROA

5.97% ROE

9.35x PER

Market Cap.

1.356.399.600,00 CHF

6.94% DER

4.74% Yield

9.54% NPM

Vaudoise Assurances Holding SA Stock Analysis

Vaudoise Assurances Holding SA 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.

Vaudoise Assurances Holding SA Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.54x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (7%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend Growth

With a history of consistent dividend increases over the last five years, the company has proven to be a reliable choice for investors seeking steady income.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROE

ROE in an average range (5.54%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (1.51%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (4.390), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Assets Growth

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

Vaudoise Assurances Holding SA 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.

Vaudoise Assurances Holding SA Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Vaudoise Assurances Holding SA 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.

Vaudoise Assurances Holding SA Revenue
Year Revenue Growth
2002 1.419.011.000
2003 2.058.470.000 31.06%
2004 1.966.984.000 -4.65%
2005 2.269.592.000 13.33%
2006 2.365.364.000 4.05%
2007 2.334.503.000 -1.32%
2008 1.157.919.000 -101.61%
2009 2.016.873.000 42.59%
2010 3.100.026.000 34.94%
2011 1.914.045.000 -61.96%
2012 1.997.286.000 4.17%
2013 1.629.277.000 -22.59%
2014 1.575.357.000 -3.42%
2015 1.300.856.000 -21.1%
2016 1.291.523.000 -0.72%
2017 1.298.213.000 0.52%
2018 1.279.872.000 -1.43%
2019 1.335.679.000 4.18%
2019 1.426.879.000 6.39%
2020 1.330.092.000 -7.28%
2021 1.370.682.000 2.96%
2022 1.366.936.000 -0.27%
2023 1.413.002.000 3.26%
2024 3.329.404.000 57.56%

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.

Vaudoise Assurances Holding SA Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 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%
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.

Vaudoise Assurances Holding SA General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 235.004.000 100%
2007 226.653.000 -3.68%
2008 235.435.000 3.73%
2009 209.755.000 -12.24%
2010 209.956.000 0.1%
2011 210.076.000 0.06%
2012 115.985.000 -81.12%
2013 120.199.000 3.51%
2014 125.510.000 4.23%
2015 125.189.000 -0.26%
2016 129.015.999 2.97%
2017 112.832.000 -14.34%
2018 116.160.000 2.87%
2019 142.693.000 18.59%
2019 125.177.000 -13.99%
2020 37.090.000 -237.5%
2021 18.928.000 -95.95%
2022 22.134.000 14.48%
2023 24.239.000 8.68%
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.

Vaudoise Assurances Holding SA EBITDA
Year EBITDA Growth
2002 155.353.000
2003 89.423.000 -73.73%
2004 76.990.000 -16.15%
2005 88.235.000 12.74%
2006 -186.069.000 147.42%
2007 -166.124.000 -12.01%
2008 411.030.000 140.42%
2009 78.012.000 -426.88%
2010 872.396.000 91.06%
2011 404.441.000 -115.7%
2012 156.149.000 -159.01%
2013 -28.085.000 655.99%
2014 2.645.000 1161.81%
2015 -14.419.000 118.34%
2016 -35.038.000 58.85%
2017 -65.743.000 46.7%
2018 -36.673.000 -79.27%
2019 160.170.000 122.9%
2019 -31.242.000 612.68%
2020 -17.408.000 -79.47%
2021 581.000 3096.21%
2022 -15.314.001 103.79%
2023 20.909.000 173.24%
2024 48.772.000 57.13%

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.

Vaudoise Assurances Holding SA Gross Profit
Year Gross Profit Growth
2002 1.419.011.000
2003 2.058.470.000 31.06%
2004 1.966.984.000 -4.65%
2005 2.269.592.000 13.33%
2006 2.365.364.000 4.05%
2007 2.334.503.000 -1.32%
2008 1.157.919.000 -101.61%
2009 2.016.873.000 42.59%
2010 3.100.026.000 34.94%
2011 1.914.045.000 -61.96%
2012 1.997.286.000 4.17%
2013 1.629.277.000 -22.59%
2014 1.575.357.000 -3.42%
2015 1.300.856.000 -21.1%
2016 1.291.523.000 -0.72%
2017 1.298.213.000 0.52%
2018 1.279.872.000 -1.43%
2019 1.335.679.000 4.18%
2019 1.426.879.000 6.39%
2020 1.330.092.000 -7.28%
2021 1.370.682.000 2.96%
2022 1.366.936.000 -0.27%
2023 1.413.002.000 3.26%
2024 3.329.404.000 57.56%

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.

Vaudoise Assurances Holding SA Net Profit
Year Net Profit Growth
2002 81.370.000
2003 30.290.000 -168.64%
2004 27.561.000 -9.9%
2005 44.106.000 37.51%
2006 44.973.000 1.93%
2007 88.289.000 49.06%
2008 142.152.000 37.89%
2009 126.723.000 -12.18%
2010 130.390.000 2.81%
2011 117.427.000 -11.04%
2012 122.197.000 3.9%
2013 126.366.000 3.3%
2014 153.563.000 17.71%
2015 128.767.000 -19.26%
2016 124.811.000 -3.17%
2017 120.652.000 -3.45%
2018 127.518.000 5.38%
2019 133.964.000 4.81%
2019 133.964.000 0%
2020 122.794.000 -9.1%
2021 134.181.000 8.49%
2022 130.884.000 -2.52%
2023 132.488.000 1.21%
2024 324.688.000 59.2%

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.

Vaudoise Assurances Holding SA Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 28
2003 10 -170%
2004 9 -11.11%
2005 15 35.71%
2006 15 6.67%
2007 29 48.28%
2008 48 39.58%
2009 42 -14.29%
2010 40 -5%
2011 39 -2.56%
2012 41 2.5%
2013 43 4.76%
2014 52 19.23%
2015 44 -20.93%
2016 42 -2.38%
2017 41 -5%
2018 43 6.98%
2019 45 4.44%
2019 46 0%
2020 42 -7.14%
2021 46 6.67%
2022 45 -2.27%
2023 46 2.22%
2024 112 59.82%

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.

Vaudoise Assurances Holding SA Free Cashflow
Year Free Cashflow Growth
2002 246.895.000
2003 546.638.000 54.83%
2004 587.341.000 6.93%
2005 846.671.000 30.63%
2006 921.855.000 8.16%
2007 765.349.000 -20.45%
2008 281.173.000 -172.2%
2009 848.177.000 66.85%
2010 1.241.224.000 31.67%
2011 153.287.000 -709.74%
2012 26.741.000 -473.23%
2013 -109.911.000 124.33%
2014 -4.466.367.000 97.54%
2015 193.400.000 2409.39%
2016 116.903.000 -65.44%
2017 120.859.000 3.27%
2018 155.894.000 22.47%
2019 25.364.750 -514.61%
2019 11.345.000 -123.58%
2020 62.409.000 81.82%
2021 74.998.000 16.79%
2022 67.203.000 -11.6%
2023 64.773.000 -3.75%
2024 161.213.000 59.82%

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.

Vaudoise Assurances Holding SA Operating Cashflow
Year Operating Cashflow Growth
2002 246.895.000
2003 546.638.000 54.83%
2004 587.341.000 6.93%
2005 846.671.000 30.63%
2006 940.593.000 9.99%
2007 827.751.000 -13.63%
2008 310.395.000 -166.68%
2009 886.505.000 64.99%
2010 1.284.845.000 31%
2011 183.651.000 -599.61%
2012 36.972.000 -396.73%
2013 -34.667.000 206.65%
2014 -4.457.861.000 99.22%
2015 198.239.000 2348.73%
2016 126.572.000 -56.62%
2017 126.549.000 -0.02%
2018 162.720.000 22.23%
2019 6.729.250 -2318.1%
2019 26.917.000 75%
2020 85.957.000 68.69%
2021 109.638.000 21.6%
2022 86.330.000 -27%
2023 104.336.000 17.26%
2024 178.437.000 41.53%

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.

Vaudoise Assurances Holding SA Capital Expenditure
Year Capital Expenditure Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 18.738.000 100%
2007 62.402.000 69.97%
2008 29.222.000 -113.54%
2009 38.328.000 23.76%
2010 43.621.000 12.13%
2011 30.364.000 -43.66%
2012 10.231.000 -196.78%
2013 75.244.000 86.4%
2014 8.506.000 -784.6%
2015 4.839.000 -75.78%
2016 9.669.000 49.95%
2017 5.690.000 -69.93%
2018 6.826.000 16.64%
2019 -18.635.500 136.63%
2019 15.572.000 219.67%
2020 23.548.000 33.87%
2021 34.640.000 32.02%
2022 19.127.000 -81.11%
2023 39.563.000 51.65%
2024 17.224.000 -129.7%

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.

Vaudoise Assurances Holding SA Equity
Year Equity Growth
2002 279.530.000
2003 314.986.000 11.26%
2004 328.590.000 4.14%
2005 390.416.000 15.84%
2006 443.205.000 11.91%
2007 530.546.000 16.46%
2008 638.687.000 16.93%
2009 760.550.000 16.02%
2010 897.422.000 15.25%
2011 1.008.172.000 10.99%
2012 1.135.666.000 11.23%
2013 1.293.777.000 12.22%
2014 1.464.115.000 11.63%
2015 1.539.117.000 4.87%
2016 1.642.882.000 6.32%
2017 1.734.542.000 5.28%
2018 1.781.696.000 2.65%
2019 2.010.960.000 11.4%
2020 2.118.449.000 5.07%
2021 2.447.553.000 13.45%
2022 2.275.921.000 -7.54%
2023 2.313.425.000 1.62%
2023 2.339.508.000 1.11%
2024 2.468.971.000 5.24%

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.

Vaudoise Assurances Holding SA Assets
Year Assets Growth
2002 7.766.596.000
2003 8.341.872.000 6.9%
2004 8.822.577.000 5.45%
2005 6.936.261.000 -27.19%
2006 8.035.187.000 13.68%
2007 8.964.375.000 10.37%
2008 8.752.952.000 -2.42%
2009 10.203.006.000 14.21%
2010 11.218.942.000 9.06%
2011 11.121.910.000 -0.87%
2012 11.626.607.000 4.34%
2013 11.484.932.000 -1.23%
2014 7.423.626.000 -54.71%
2015 7.615.508.000 2.52%
2016 7.774.941.000 2.05%
2017 7.940.447.000 2.08%
2018 8.088.637.000 1.83%
2019 8.266.206.000 2.15%
2020 8.366.234.000 1.2%
2021 8.781.724.000 4.73%
2022 8.605.156.000 -2.05%
2023 8.835.681.000 2.61%
2023 8.670.426.000 -1.91%
2024 8.910.283.000 2.69%

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.

Vaudoise Assurances Holding SA Liabilities
Year Liabilities Growth
2002 7.487.066.000
2003 8.026.886.000 6.73%
2004 8.493.987.000 5.5%
2005 6.545.845.000 -29.76%
2006 7.591.982.000 13.78%
2007 8.433.829.000 9.98%
2008 8.114.265.000 -3.94%
2009 9.442.456.000 14.07%
2010 10.321.520.000 8.52%
2011 10.113.738.000 -2.05%
2012 10.490.941.000 3.6%
2013 57.125.000 -18264.89%
2014 62.857.000 9.12%
2015 69.094.000 9.03%
2016 75.924.000 9%
2017 69.781.000 -8.8%
2018 68.110.000 -2.45%
2019 6.255.246.000 98.91%
2020 6.247.785.000 -0.12%
2021 6.334.171.000 1.36%
2022 6.329.235.000 -0.08%
2023 0 0%
2023 6.330.918.000 100%
2024 6.441.312.000 1.71%

Vaudoise Assurances Holding SA Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
520.04
Net Income per Share
49.61
Price to Earning Ratio
9.35x
Price To Sales Ratio
0.9x
POCF Ratio
8.15
PFCF Ratio
11.17
Price to Book Ratio
0.54
EV to Sales
0.72
EV Over EBITDA
84.03
EV to Operating CashFlow
6.59
EV to FreeCashFlow
8.93
Earnings Yield
0.11
FreeCashFlow Yield
0.09
Market Cap
1,36 Bil.
Enterprise Value
1,08 Bil.
Graham Number
975.69
Graham NetNet
-2071.84

Income Statement Metrics

Net Income per Share
49.61
Income Quality
1.15
ROE
0.06
Return On Assets
0.02
Return On Capital Employed
0.01
Net Income per EBT
0.92
EBT Per Ebit
2.18
Ebit per Revenue
0.05
Effective Tax Rate
0.1

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.05
Pretax Profit Margin
0.1
Net Profit Margin
0.1

Dividends

Dividend Yield
0.05
Dividend Yield %
4.74
Payout Ratio
0.44
Dividend Per Share
22

Operating Metrics

Operating Cashflow per Share
56.9
Free CashFlow per Share
41.94
Capex to Operating CashFlow
0.26
Capex to Revenue
0.03
Capex to Depreciation
2.23
Return on Invested Capital
0.02
Return on Tangible Assets
0.02
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
14.96

Balance Sheet

Cash per Share
153,03
Book Value per Share
852,80
Tangible Book Value per Share
852.8
Shareholders Equity per Share
852.8
Interest Debt per Share
60.26
Debt to Equity
0.07
Debt to Assets
0.02
Net Debt to EBITDA
-21.04
Current Ratio
2.41
Tangible Asset Value
2,47 Bil.
Net Current Asset Value
-5,84 Bil.
Invested Capital
442354000
Working Capital
0,35 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,22 Bil.
Average Inventory
0
Debt to Market Cap
0.13

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.

Vaudoise Assurances Holding SA Dividends
Year Dividends Growth
2000 100
2001 110 9.09%
2002 110 0%
2004 50 -120%
2005 50 0%
2006 3 -1566.67%
2007 4 25%
2008 5 20%
2009 6 16.67%
2010 6 0%
2011 7 14.29%
2012 9 22.22%
2013 10 10%
2014 11 9.09%
2015 12 8.33%
2016 12 0%
2017 12 0%
2018 12 0%
2019 13 7.69%
2020 15 13.33%
2021 16 6.25%
2022 18 11.11%
2023 20 10%
2024 22 9.09%

Vaudoise Assurances Holding SA Profile

About Vaudoise Assurances Holding SA

Vaudoise Assurances Holding SA provides insurance products and services to individuals and SMEs primarily in Switzerland. The company offers vehicle, household, public liability, foresight, mortgage, and business insurance. It serves customers through its network of agencies. The company was founded in 1895 and is headquartered in Lausanne, Switzerland. Vaudoise Assurances Holding SA operates as a subsidiary of Mutuelle Vaudoise, Société Coopérative.

CEO
Mr. Jean-Daniel Laffely
Employee
1.905
Address
Place de Milan
Lausanne, 1001

Vaudoise Assurances Holding SA Executives & BODs

Vaudoise Assurances Holding SA Executives & BODs
# Name Age
1 Mr. Jean-Daniel Laffely
Chairman of Management Board, Chief Executive Officer & General Director
70
2 Mr. Reto Kuhn
Chief Investment Officer, Dir., Head of Asset Management Dep. & Member of the Management Board
70
3 Ms. Nathalie Follonier-Kehrli
Director of General Secretary and Head of Institutional Communication, Legal Service & Compliance
70
4 Mr. Frédéric Traimond
EVice President, Head of Actuary & Reinsurance Dept, Deputy Gen. Dir., Chief Risk Off. and Mem. of Mgmt Board
70
5 Mr. Stanislas Bressange
Head of Digital Transformation & Information Systems, Chief Technology Officer and Member of Management Board
70
6 Dr. Christoph Borgmann
Head of Finance, Chief Financial Officer & Member of Management Board
70
7 Mr. Jacques Marmier
Director, Head of the Personal Insurances Department & Member of the Management Board
70
8 Mr. Patrick Streit
Director, Head of Asset Insurance Department and Head of the P&C Department
70
9 Mr. Grégoire Fracheboud
Director, Head of Sales & Marketing and Member of the Management Board
70

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