HELVETIA BALOISE HOLDING AG (HVXA.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HVXA - CH0466642201 - Common Stock
226.2 EUR
+1.4 (+0.62%)
HVXA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 45 industry peers in the Insurance industry. There are concerns on the financial health of HVXA while its profitability can be described as average. 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.
In the past year HVXA had a positive cash flow from operations.
HVXA had positive earnings in each of the past 5 years.
Of the past 5 years HVXA 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.90%, HVXA is not doing good in the industry: 62.22% of the companies in the same industry are doing better.
HVXA's Return On Equity of 13.62% is in line compared to the rest of the industry. HVXA outperforms 44.44% of its industry peers.
HVXA has a Return On Invested Capital (1.14%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for HVXA is in line with the industry average of 2.72%.
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
HVXA has a Profit Margin of 5.54%. This is in the lower half of the industry: HVXA underperforms 71.11% of its industry peers.
HVXA's Profit Margin has been stable in the last couple of years.
The Operating Margin of HVXA (8.65%) is worse than 62.22% of its industry peers.
In the last couple of years the Operating Margin of HVXA has grown nicely.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HVXA is destroying value.
Compared to 1 year ago, HVXA has about the same amount of shares outstanding.
The number of shares outstanding for HVXA has been increased compared to 5 years ago.
HVXA has a better debt/assets ratio than last year.
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's Debt to FCF ratio of 4.86 is on the low side compared to the rest of the industry. HVXA is outperformed by 64.44% of its industry peers.
A Debt/Equity ratio of 0.61 indicates that HVXA is somewhat dependend on debt financing.
HVXA has a Debt to Equity ratio of 0.61. This is comparable to the rest of the industry: HVXA outperforms 60.00% of its industry peers.
| 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.
Measured over the past years, HVXA shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.09% on average per year.
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
HVXA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.15% yearly.
Based on estimates for the next years, HVXA will show a small growth in Revenue. The Revenue will grow by 5.59% on average per year.
EPS Next Y25.94%
EPS Next 2Y11.94%
EPS Next 3Y12.53%
EPS Next 5Y10.15%
Revenue Next Year12.13%
Revenue Next 2Y7.89%
Revenue Next 3Y6.46%
Revenue Next 5Y5.59%
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
A Price/Earnings ratio of 20.58 indicates a rather expensive valuation of HVXA.
77.78% of the companies in the same industry are cheaper than HVXA, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of HVXA to the average of the S&P500 Index (26.57), we can say HVXA is valued slightly cheaper.
The Price/Forward Earnings ratio is 18.81, which indicates a rather expensive current valuation of HVXA.
Based on the Price/Forward Earnings ratio, HVXA is valued more expensive than 88.89% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, HVXA is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.58 | ||
| Fwd PE | 18.81 |
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.
64.44% of the companies in the same industry are cheaper than HVXA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.28 | ||
| EV/EBITDA | 12.34 |
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 12.53% in the coming years.
PEG (NY)0.79
PEG (5Y)N/A
EPS Next 2Y11.94%
EPS Next 3Y12.53%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.19%, HVXA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.88, HVXA is paying slightly less dividend.
HVXA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
5.2 History
Dividend Growth(5Y)N/A
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.
DP68.76%
EPS Next 2Y11.94%
EPS Next 3Y12.53%
FRA:HVXA (12/23/2025, 7:00:00 PM)
226.2
+1.4 (+0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners27.63%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap12.00B
Revenue(TTM)9.74B
Net Income(TTM)539.52M
Analysts82
Price Target223.74 (-1.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
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)3.66%
PT rev (3m)15.84%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2%
EPS NY rev (3m)4.26%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)6.98%
Revenue NY rev (3m)7.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.58 | ||
| Fwd PE | 18.81 | ||
| P/S | 1.14 | ||
| P/FCF | 22.28 | ||
| P/OCF | 17.97 | ||
| P/B | 2.81 | ||
| P/tB | 4.6 | ||
| EV/EBITDA | 12.34 |
EPS(TTM)10.99
EY4.86%
EPS(NY)12.03
Fwd EY5.32%
FCF(TTM)10.15
FCFY4.49%
OCF(TTM)12.59
OCFY5.56%
SpS197.85
BVpS80.48
TBVpS49.23
PEG (NY)0.79
PEG (5Y)N/A
Graham Number141.07
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 Y25.94%
EPS Next 2Y11.94%
EPS Next 3Y12.53%
EPS Next 5Y10.15%
Revenue 1Y (TTM)1%
Revenue growth 3Y-8.37%
Revenue growth 5Y-2%
Sales Q2Q%1.21%
Revenue Next Year12.13%
Revenue Next 2Y7.89%
Revenue Next 3Y6.46%
Revenue Next 5Y5.59%
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 BALOISE HOLDING AG / HVXA.DE FAQ
What is the ChartMill fundamental rating of HELVETIA BALOISE HOLDING AG (HVXA.DE) stock?
ChartMill assigns a fundamental rating of 3 / 10 to HVXA.DE.
Can you provide the valuation status for HELVETIA BALOISE HOLDING AG?
ChartMill assigns a valuation rating of 3 / 10 to HELVETIA BALOISE HOLDING AG (HVXA.DE). This can be considered as Overvalued.
What is the profitability of HVXA stock?
HELVETIA BALOISE HOLDING AG (HVXA.DE) has a profitability rating of 4 / 10.
What are the PE and PB ratios of HELVETIA BALOISE HOLDING AG (HVXA.DE) stock?
The Price/Earnings (PE) ratio for HELVETIA BALOISE HOLDING AG (HVXA.DE) is 20.58 and the Price/Book (PB) ratio is 2.81.
How sustainable is the dividend of HELVETIA BALOISE HOLDING AG (HVXA.DE) stock?
The dividend rating of HELVETIA BALOISE HOLDING AG (HVXA.DE) is 3 / 10 and the dividend payout ratio is 68.76%.