HELVETIA HOLDING AG-REG (HVXA.DE) Stock Fundamental Analysis
Europe - FRA:HVXA - CH0466642201 - Common Stock
212.4 EUR
+1 (+0.47%)
HVXA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 43 industry peers in the Insurance industry. HVXA has a medium profitability rating, but doesn't score so well on its financial health evaluation. HVXA is valied quite expensively at the moment, while it does show a decent growth rate.
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 of 0.90%. This is in the lower half of the industry: HVXA underperforms 60.00% of its industry peers.
With a Return On Equity value of 13.62%, HVXA perfoms like the industry average, outperforming 45.00% of the companies in the same industry.
HVXA has a Return On Invested Capital (1.14%) which is comparable to the rest of the 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 2.26%.
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: 77.50% of the companies in the same industry are doing better.
HVXA's Profit Margin has been stable in the last couple of years.
The Operating Margin of HVXA (8.65%) is worse than 70.00% of its industry peers.
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.
HVXA has about the same amout of shares outstanding than it did 1 year ago.
HVXA has more shares outstanding than it did 5 years ago.
HVXA has a better debt/assets ratio than last year.
2.2 Solvency
HVXA has a debt to FCF ratio of 4.86. This is a neutral value as HVXA would need 4.86 years to pay back of all of its debts.
The Debt to FCF ratio of HVXA (4.86) is worse than 60.00% of its industry peers.
HVXA has a Debt/Equity ratio of 0.61. This is a neutral value indicating 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 65.00% 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
WACC4.9%
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.
The Earnings Per Share has been decreasing by -3.09% on average over the past years.
The Revenue has been growing slightly by 1.00% in the past year.
HVXA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.00% yearly.
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
The Earnings Per Share is expected to grow by 9.04% on average over the next years. This is quite good.
HVXA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.88% yearly.
EPS Next Y20.79%
EPS Next 2Y16.25%
EPS Next 3Y13.43%
EPS Next 5Y9.04%
Revenue Next Year4.58%
Revenue Next 2Y3.91%
Revenue Next 3Y3.66%
Revenue Next 5Y4.88%
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
HVXA is valuated rather expensively with a Price/Earnings ratio of 19.47.
Based on the Price/Earnings ratio, HVXA is valued a bit more expensive than 77.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. HVXA is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 16.49 indicates a correct valuation of HVXA.
77.50% of the companies in the same industry are cheaper than HVXA, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.73. HVXA is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.47 | ||
| Fwd PE | 16.49 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as HVXA.
Based on the Price/Free Cash Flow ratio, HVXA is valued a bit more expensive than the industry average as 70.00% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.06 | ||
| EV/EBITDA | 11.73 |
4.3 Compensation for Growth
The 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 13.43% in the coming years.
PEG (NY)0.94
PEG (5Y)N/A
EPS Next 2Y16.25%
EPS Next 3Y13.43%
5. Dividend
5.1 Amount
HVXA has a Yearly Dividend Yield of 3.37%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.56, HVXA is paying slightly less dividend.
HVXA's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
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 2Y16.25%
EPS Next 3Y13.43%
FRA:HVXA (9/12/2025, 7:00:00 PM)
212.4
+1 (+0.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners21.36%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap11.26B
Analysts80
Price Target193.15 (-9.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
Yearly Dividend6.89
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)0%
PT rev (3m)-0.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.97%
EPS NY rev (3m)3.97%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-22.08%
Revenue NY rev (3m)2.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.47 | ||
| Fwd PE | 16.49 | ||
| P/S | 1.08 | ||
| P/FCF | 21.06 | ||
| P/OCF | 16.99 | ||
| P/B | 2.66 | ||
| P/tB | 4.34 | ||
| EV/EBITDA | 11.73 |
EPS(TTM)10.91
EY5.14%
EPS(NY)12.88
Fwd EY6.07%
FCF(TTM)10.09
FCFY4.75%
OCF(TTM)12.5
OCFY5.89%
SpS196.52
BVpS79.94
TBVpS48.89
PEG (NY)0.94
PEG (5Y)N/A
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%
ROICexcg growth 3Y3.3%
ROICexcg 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
WACC4.9%
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 Y20.79%
EPS Next 2Y16.25%
EPS Next 3Y13.43%
EPS Next 5Y9.04%
Revenue 1Y (TTM)1%
Revenue growth 3Y-8.37%
Revenue growth 5Y-2%
Sales Q2Q%1.21%
Revenue Next Year4.58%
Revenue Next 2Y3.91%
Revenue Next 3Y3.66%
Revenue Next 5Y4.88%
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%