HELVETIA HOLDING AG-REG (HVXA.DE) Stock Fundamental Analysis
Europe - FRA:HVXA - CH0466642201 - Common Stock
219 EUR
-6 (-2.67%)
HVXA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 40 industry peers in the Insurance industry. HVXA has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, HVXA is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year HVXA was profitable.
HVXA had a positive operating cash flow in the past year.
Each year in the past 5 years HVXA has been profitable.
Of the past 5 years HVXA 4 years had a positive operating cash flow.
1.2 Ratios
HVXA has a Return On Assets (0.90%) which is in line with its industry peers.
HVXA has a Return On Equity of 13.62%. This is comparable to the rest of the industry: HVXA outperforms 45.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.14%, HVXA is in line with its industry, outperforming 55.00% of the companies in the same industry.
HVXA had an Average Return On Invested Capital over the past 3 years of 0.85%. This is in line with the industry average of 2.35%.
The last Return On Invested Capital (1.14%) for HVXA is above the 3 year average (0.85%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 13.62% | ||
| ROIC | 1.14% |
ROA(3y)0.66%
ROA(5y)0.61%
ROE(3y)9.85%
ROE(5y)8.09%
ROIC(3y)0.85%
ROIC(5y)0.79%
1.3 Margins
With a Profit Margin value of 5.54%, HVXA is not doing good in the industry: 72.50% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of HVXA has remained more or less at the same level.
Looking at the Operating Margin, with a value of 8.65%, HVXA is doing worse than 65.00% of the companies in the same industry.
HVXA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.65% | ||
| PM (TTM) | 5.54% | ||
| GM | N/A |
OM growth 3Y7.63%
OM growth 5Y5.09%
PM growth 3Y8.43%
PM growth 5Y0.2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HVXA is destroying value.
The number of shares outstanding for HVXA remains at a similar level compared to 1 year ago.
HVXA has more shares outstanding than it did 5 years ago.
The debt/assets ratio for HVXA has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of HVXA is 4.86, which is a neutral value as it means it would take HVXA, 4.86 years of fcf income to pay off all of its debts.
HVXA has a Debt to FCF ratio of 4.86. This is comparable to the rest of the industry: HVXA outperforms 42.50% of its industry peers.
A Debt/Equity ratio of 0.61 indicates that HVXA is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.61, HVXA is in the better half of the industry, outperforming 67.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 4.86 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC4.86%
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 98.06% over the past year.
HVXA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.09% yearly.
The Revenue has been growing slightly by 1.00% in the past year.
The Revenue has been decreasing by -2.00% on average over the past years.
EPS 1Y (TTM)98.06%
EPS 3Y-0.66%
EPS 5Y-3.09%
EPS Q2Q%26.65%
Revenue 1Y (TTM)1%
Revenue growth 3Y-8.37%
Revenue growth 5Y-2%
Sales Q2Q%1.21%
3.2 Future
Based on estimates for the next years, HVXA will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.15% on average per year.
Based on estimates for the next years, HVXA will show a small growth in Revenue. The Revenue will grow by 5.57% on average per year.
EPS Next Y28.51%
EPS Next 2Y16.92%
EPS Next 3Y14.06%
EPS Next 5Y10.15%
Revenue Next Year4.81%
Revenue Next 2Y4.02%
Revenue Next 3Y3.74%
Revenue Next 5Y5.57%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
The Price/Earnings ratio is 19.82, which indicates a rather expensive current valuation of HVXA.
Based on the Price/Earnings ratio, HVXA is valued a bit more expensive than 72.50% of the companies in the same industry.
HVXA's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.46.
The Price/Forward Earnings ratio is 16.60, which indicates a correct valuation of HVXA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HVXA indicates a slightly more expensive valuation: HVXA is more expensive than 77.50% of the companies listed in the same industry.
HVXA is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.82 | ||
| Fwd PE | 16.6 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HVXA is on the same level as its industry peers.
HVXA's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HVXA is more expensive than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.45 | ||
| EV/EBITDA | 11.92 |
4.3 Compensation for Growth
HVXA'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 HVXA's earnings are expected to grow with 14.06% in the coming years.
PEG (NY)0.7
PEG (5Y)N/A
EPS Next 2Y16.92%
EPS Next 3Y14.06%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.21%, HVXA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.50, HVXA is paying slightly less dividend.
HVXA's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.21% |
5.2 History
The dividend of HVXA has a limited annual growth rate of 4.09%.
Dividend Growth(5Y)4.09%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
68.76% of the earnings are spent on dividend by HVXA. This is not a sustainable payout ratio.
The dividend of HVXA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP68.76%
EPS Next 2Y16.92%
EPS Next 3Y14.06%
FRA:HVXA (11/18/2025, 7:00:00 PM)
219
-6 (-2.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners26.62%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap11.61B
Revenue(TTM)9.74B
Net Income(TTM)539.52M
Analysts80
Price Target215.83 (-1.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.21% |
Yearly Dividend7.01
Dividend Growth(5Y)4.09%
DP68.76%
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)11.75%
PT rev (3m)11.75%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.53%
EPS NY rev (3m)10.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-21.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.82 | ||
| Fwd PE | 16.6 | ||
| P/S | 1.1 | ||
| P/FCF | 21.45 | ||
| P/OCF | 17.3 | ||
| P/B | 2.71 | ||
| P/tB | 4.42 | ||
| EV/EBITDA | 11.92 |
EPS(TTM)11.05
EY5.05%
EPS(NY)13.19
Fwd EY6.02%
FCF(TTM)10.21
FCFY4.66%
OCF(TTM)12.66
OCFY5.78%
SpS198.94
BVpS80.93
TBVpS49.5
PEG (NY)0.7
PEG (5Y)N/A
Graham Number141.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 13.62% | ||
| ROCE | 1.41% | ||
| ROIC | 1.14% | ||
| ROICexc | 1.16% | ||
| ROICexgc | 1.24% | ||
| OM | 8.65% | ||
| PM (TTM) | 5.54% | ||
| GM | N/A | ||
| FCFM | 5.13% |
ROA(3y)0.66%
ROA(5y)0.61%
ROE(3y)9.85%
ROE(5y)8.09%
ROIC(3y)0.85%
ROIC(5y)0.79%
ROICexc(3y)0.87%
ROICexc(5y)0.81%
ROICexgc(3y)0.93%
ROICexgc(5y)0.87%
ROCE(3y)1.05%
ROCE(5y)0.98%
ROICexgc growth 3Y3.3%
ROICexgc growth 5Y3.6%
ROICexc growth 3Y3.18%
ROICexc growth 5Y3.21%
OM growth 3Y7.63%
OM growth 5Y5.09%
PM growth 3Y8.43%
PM growth 5Y0.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.16
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 4.86 | ||
| Debt/EBITDA | 2.44 | ||
| Cap/Depr | 77.14% | ||
| Cap/Sales | 1.23% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 62.13% | ||
| Profit Quality | 92.66% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC4.86%
ROIC/WACC0.23
Cap/Depr(3y)76.21%
Cap/Depr(5y)58.01%
Cap/Sales(3y)1.4%
Cap/Sales(5y)1.04%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)98.06%
EPS 3Y-0.66%
EPS 5Y-3.09%
EPS Q2Q%26.65%
EPS Next Y28.51%
EPS Next 2Y16.92%
EPS Next 3Y14.06%
EPS Next 5Y10.15%
Revenue 1Y (TTM)1%
Revenue growth 3Y-8.37%
Revenue growth 5Y-2%
Sales Q2Q%1.21%
Revenue Next Year4.81%
Revenue Next 2Y4.02%
Revenue Next 3Y3.74%
Revenue Next 5Y5.57%
EBIT growth 1Y70.83%
EBIT growth 3Y-1.38%
EBIT growth 5Y2.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y100.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y72.23%
OCF growth 3Y-60.17%
OCF growth 5Y-41.13%
HELVETIA HOLDING AG-REG / HVXA.DE FAQ
What is the ChartMill fundamental rating of HELVETIA HOLDING AG-REG (HVXA.DE) stock?
ChartMill assigns a fundamental rating of 3 / 10 to HVXA.DE.
Can you provide the valuation status for HELVETIA HOLDING AG-REG?
ChartMill assigns a valuation rating of 3 / 10 to HELVETIA HOLDING AG-REG (HVXA.DE). This can be considered as Overvalued.
What is the profitability of HVXA stock?
HELVETIA HOLDING AG-REG (HVXA.DE) has a profitability rating of 4 / 10.
What are the PE and PB ratios of HELVETIA HOLDING AG-REG (HVXA.DE) stock?
The Price/Earnings (PE) ratio for HELVETIA HOLDING AG-REG (HVXA.DE) is 19.82 and the Price/Book (PB) ratio is 2.71.
How sustainable is the dividend of HELVETIA HOLDING AG-REG (HVXA.DE) stock?
The dividend rating of HELVETIA HOLDING AG-REG (HVXA.DE) is 4 / 10 and the dividend payout ratio is 68.76%.