BALOISE HOLDING AG - REG (BLON.DE) Stock Fundamental Analysis
Europe - FRA:BLON - CH0012410517 - Common Stock
228.4 EUR
+3 (+1.33%)
Taking everything into account, BLON scores 3 out of 10 in our fundamental rating. BLON was compared to 39 industry peers in the Insurance industry. Both the profitability and financial health of BLON have multiple concerns. BLON is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
BLON had positive earnings in the past year.
BLON had a positive operating cash flow in the past year.
In the past 5 years BLON has always been profitable.
BLON had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
BLON has a Return On Assets of 0.56%. This is in the lower half of the industry: BLON underperforms 79.49% of its industry peers.
BLON has a worse Return On Equity (12.66%) than 64.10% of its industry peers.
With a Return On Invested Capital value of 1.04%, BLON perfoms like the industry average, outperforming 48.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 12.66% | ||
| ROIC | 1.04% |
ROA(3y)0.37%
ROA(5y)0.45%
ROE(3y)8.42%
ROE(5y)7.91%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BLON's Profit Margin of 6.82% is on the low side compared to the rest of the industry. BLON is outperformed by 69.23% of its industry peers.
BLON's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 17.08%, BLON is in the better half of the industry, outperforming 79.49% of the companies in the same industry.
In the last couple of years the Operating Margin of BLON has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.08% | ||
| PM (TTM) | 6.82% | ||
| GM | N/A |
OM growth 3Y42.24%
OM growth 5Y25.17%
PM growth 3Y-4.31%
PM growth 5Y-5.16%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), BLON is destroying value.
Compared to 1 year ago, BLON has about the same amount of shares outstanding.
The number of shares outstanding for BLON remains at a similar level compared to 5 years ago.
Compared to 1 year ago, BLON has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BLON is 2.80, which is a good value as it means it would take BLON, 2.80 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BLON (2.80) is comparable to the rest of the industry.
BLON has a Debt/Equity ratio of 0.69. This is a neutral value indicating BLON is somewhat dependend on debt financing.
BLON's Debt to Equity ratio of 0.69 is on the low side compared to the rest of the industry. BLON is outperformed by 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | 2.8 | ||
| Altman-Z | N/A |
ROIC/WACC0.24
WACC4.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 73.55% over the past year.
BLON shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.80% yearly.
The Revenue has decreased by -5.88% in the past year.
Measured over the past years, BLON shows a decrease in Revenue. The Revenue has been decreasing by -6.29% on average per year.
EPS 1Y (TTM)73.55%
EPS 3Y-13.42%
EPS 5Y-10.8%
EPS Q2Q%25.41%
Revenue 1Y (TTM)-5.88%
Revenue growth 3Y-9.29%
Revenue growth 5Y-6.29%
Sales Q2Q%-15.96%
3.2 Future
BLON is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.21% yearly.
The Revenue is expected to grow by 3.02% on average over the next years.
EPS Next Y54.77%
EPS Next 2Y23.9%
EPS Next 3Y16.72%
EPS Next 5Y8.21%
Revenue Next Year-2.53%
Revenue Next 2Y0.07%
Revenue Next 3Y0.91%
Revenue Next 5Y3.02%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BLON is valuated rather expensively with a Price/Earnings ratio of 21.77.
BLON's Price/Earnings ratio is a bit more expensive when compared to the industry. BLON is more expensive than 79.49% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.89. BLON is around the same levels.
With a Price/Forward Earnings ratio of 17.93, BLON is valued on the expensive side.
Based on the Price/Forward Earnings ratio, BLON is valued expensively inside the industry as 92.31% of the companies are valued cheaper.
When comparing the Price/Forward Earnings ratio of BLON to the average of the S&P500 Index (34.59), we can say BLON is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.77 | ||
| Fwd PE | 17.93 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BLON indicates a somewhat cheap valuation: BLON is cheaper than 79.49% of the companies listed in the same industry.
BLON's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.29 | ||
| EV/EBITDA | 7.96 |
4.3 Compensation for Growth
BLON's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BLON's earnings are expected to grow with 16.72% in the coming years.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y23.9%
EPS Next 3Y16.72%
5. Dividend
5.1 Amount
BLON has a Yearly Dividend Yield of 3.99%.
Compared to an average industry Dividend Yield of 4.62, BLON is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.36, BLON pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
5.2 History
The dividend of BLON has a limited annual growth rate of 4.90%.
Dividend Growth(5Y)4.9%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
83.31% of the earnings are spent on dividend by BLON. This is not a sustainable payout ratio.
BLON's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP83.31%
EPS Next 2Y23.9%
EPS Next 3Y16.72%
FRA:BLON (11/13/2025, 7:00:00 PM)
228.4
+3 (+1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners34.77%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap10.46B
Revenue(TTM)6.47B
Net Income(TTM)440.90M
Analysts78.18
Price Target240.58 (5.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
Yearly Dividend8.25
Dividend Growth(5Y)4.9%
DP83.31%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)4.32%
PT rev (3m)7.87%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.66%
EPS NY rev (3m)8.56%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.77 | ||
| Fwd PE | 17.93 | ||
| P/S | 1.5 | ||
| P/FCF | 11.29 | ||
| P/OCF | 10.63 | ||
| P/B | 2.78 | ||
| P/tB | 2.94 | ||
| EV/EBITDA | 7.96 |
EPS(TTM)10.49
EY4.59%
EPS(NY)12.74
Fwd EY5.58%
FCF(TTM)20.23
FCFY8.86%
OCF(TTM)21.49
OCFY9.41%
SpS152.76
BVpS82.26
TBVpS77.66
PEG (NY)0.4
PEG (5Y)N/A
Graham Number139.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 12.66% | ||
| ROCE | 1.41% | ||
| ROIC | 1.04% | ||
| ROICexc | 1.08% | ||
| ROICexgc | 1.12% | ||
| OM | 17.08% | ||
| PM (TTM) | 6.82% | ||
| GM | N/A | ||
| FCFM | 13.24% |
ROA(3y)0.37%
ROA(5y)0.45%
ROE(3y)8.42%
ROE(5y)7.91%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y32.78%
ROICexgc growth 5Y18.53%
ROICexc growth 3Y33.31%
ROICexc growth 5Y18.79%
OM growth 3Y42.24%
OM growth 5Y25.17%
PM growth 3Y-4.31%
PM growth 5Y-5.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | 2.8 | ||
| Debt/EBITDA | 2.08 | ||
| Cap/Depr | 112.63% | ||
| Cap/Sales | 0.83% | ||
| Interest Coverage | 21.91 | ||
| Cash Conversion | 78.99% | ||
| Profit Quality | 194.26% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC4.3%
ROIC/WACC0.24
Cap/Depr(3y)71.5%
Cap/Depr(5y)67.28%
Cap/Sales(3y)1%
Cap/Sales(5y)0.88%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)73.55%
EPS 3Y-13.42%
EPS 5Y-10.8%
EPS Q2Q%25.41%
EPS Next Y54.77%
EPS Next 2Y23.9%
EPS Next 3Y16.72%
EPS Next 5Y8.21%
Revenue 1Y (TTM)-5.88%
Revenue growth 3Y-9.29%
Revenue growth 5Y-6.29%
Sales Q2Q%-15.96%
Revenue Next Year-2.53%
Revenue Next 2Y0.07%
Revenue Next 3Y0.91%
Revenue Next 5Y3.02%
EBIT growth 1Y-19.16%
EBIT growth 3Y29.02%
EBIT growth 5Y17.29%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1471.56%
FCF growth 3Y-51.96%
FCF growth 5Y-33.44%
OCF growth 1Y772.48%
OCF growth 3Y-38.25%
OCF growth 5Y-24.06%
BALOISE HOLDING AG - REG / BLON.DE FAQ
What is the fundamental rating for BLON stock?
ChartMill assigns a fundamental rating of 3 / 10 to BLON.DE.
Can you provide the valuation status for BALOISE HOLDING AG - REG?
ChartMill assigns a valuation rating of 3 / 10 to BALOISE HOLDING AG - REG (BLON.DE). This can be considered as Overvalued.
What is the profitability of BLON stock?
BALOISE HOLDING AG - REG (BLON.DE) has a profitability rating of 3 / 10.
What is the valuation of BALOISE HOLDING AG - REG based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BALOISE HOLDING AG - REG (BLON.DE) is 21.77 and the Price/Book (PB) ratio is 2.78.
Can you provide the dividend sustainability for BLON stock?
The dividend rating of BALOISE HOLDING AG - REG (BLON.DE) is 4 / 10 and the dividend payout ratio is 83.31%.