SWISS LIFE HOLDING AG-REG (SLW.DE) Stock Fundamental Analysis
FRA:SLW - Deutsche Boerse Ag - CH0014852781 - Common Stock - Currency: EUR
Overall SLW gets a fundamental rating of 3 out of 10. We evaluated SLW against 37 industry peers in the Insurance industry. There are concerns on the financial health of SLW while its profitability can be described as average. SLW has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
SLW had positive earnings in the past year.
SLW had a positive operating cash flow in the past year.
SLW had positive earnings in each of the past 5 years.
SLW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.55%, SLW is doing worse than 75.68% of the companies in the same industry.
SLW has a better Return On Equity (16.14%) than 70.27% of its industry peers.
SLW has a Return On Invested Capital of 0.35%. This is in the lower half of the industry: SLW underperforms 70.27% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SLW is in line with the industry average of 2.10%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 16.14% | ||
| ROIC | 0.35% |
ROA(3y)0.54%
ROA(5y)0.51%
ROE(3y)14.1%
ROE(5y)11.2%
ROIC(3y)0.96%
ROIC(5y)0.87%
1.3 Margins
SLW has a better Profit Margin (11.12%) than 64.86% of its industry peers.
In the last couple of years the Profit Margin of SLW has grown nicely.
With a Operating Margin value of 8.79%, SLW is not doing good in the industry: 62.16% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of SLW has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.79% | ||
| PM (TTM) | 11.12% | ||
| GM | N/A |
OM growth 3Y-3.9%
OM growth 5Y3.12%
PM growth 3Y24.33%
PM growth 5Y17.71%
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), SLW is destroying value.
The number of shares outstanding for SLW has been reduced compared to 1 year ago.
The number of shares outstanding for SLW has been reduced compared to 5 years ago.
Compared to 1 year ago, SLW has an improved debt to assets ratio.
2.2 Solvency
SLW has a debt to FCF ratio of 168.02. This is a negative value and a sign of low solvency as SLW would need 168.02 years to pay back of all of its debts.
SLW's Debt to FCF ratio of 168.02 is on the low side compared to the rest of the industry. SLW is outperformed by 75.68% of its industry peers.
SLW has a Debt/Equity ratio of 1.25. This is a high value indicating a heavy dependency on external financing.
SLW has a Debt to Equity ratio of 1.25. This is amonst the worse of the industry: SLW underperforms 81.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.25 | ||
| Debt/FCF | 168.02 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC4.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.45%, which is quite good.
Measured over the past 5 years, SLW shows a small growth in Earnings Per Share. The EPS has been growing by 5.33% on average per year.
Looking at the last year, SLW shows a very negative growth in Revenue. The Revenue has decreased by -16.63% in the last year.
Measured over the past years, SLW shows a decrease in Revenue. The Revenue has been decreasing by -0.42% on average per year.
EPS 1Y (TTM)14.45%
EPS 3Y7.13%
EPS 5Y5.33%
EPS Q2Q%26.7%
Revenue 1Y (TTM)-16.63%
Revenue growth 3Y-0.42%
Revenue growth 5YN/A
Sales Q2Q%-10.95%
3.2 Future
SLW is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.90% yearly.
The Revenue is expected to grow by 1.24% on average over the next years.
EPS Next Y18.02%
EPS Next 2Y4.74%
EPS Next 3Y8.99%
EPS Next 5Y4.9%
Revenue Next Year16.05%
Revenue Next 2Y6.31%
Revenue Next 3Y0.86%
Revenue Next 5Y1.24%
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 stable.
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
Based on the Price/Earnings ratio of 26.01, the valuation of SLW can be described as expensive.
SLW's Price/Earnings ratio is a bit more expensive when compared to the industry. SLW is more expensive than 78.38% of the companies in the same industry.
When comparing the Price/Earnings ratio of SLW to the average of the S&P500 Index (26.17), we can say SLW is valued inline with the index average.
Based on the Price/Forward Earnings ratio of 23.71, the valuation of SLW can be described as rather expensive.
Based on the Price/Forward Earnings ratio, SLW is valued more expensive than 86.49% of the companies in the same industry.
SLW is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.01 | ||
| Fwd PE | 23.71 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SLW is valued a bit more expensive than 75.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 420.45 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.44
PEG (5Y)4.88
EPS Next 2Y4.74%
EPS Next 3Y8.99%
5. Dividend
5.1 Amount
SLW has a Yearly Dividend Yield of 4.22%, which is a nice return.
SLW's Dividend Yield is comparable with the industry average which is at 4.50.
SLW's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.22% |
5.2 History
The dividend of SLW is nicely growing with an annual growth rate of 18.46%!
Dividend Growth(5Y)18.46%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
77.84% of the earnings are spent on dividend by SLW. This is not a sustainable payout ratio.
The dividend of SLW is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP77.84%
EPS Next 2Y4.74%
EPS Next 3Y8.99%
FRA:SLW (5/28/2025, 7:00:00 PM)
875.2
-7.8 (-0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.56%
Inst Owner ChangeN/A
Ins Owners0.6%
Ins Owner ChangeN/A
Market Cap25.14B
Analysts68.42
Price Target812.02 (-7.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.22% |
Yearly Dividend35.44
Dividend Growth(5Y)18.46%
DP77.84%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.01 | ||
| Fwd PE | 23.71 | ||
| P/S | 2.16 | ||
| P/FCF | 420.45 | ||
| P/OCF | 126.59 | ||
| P/B | 3.13 | ||
| P/tB | 4.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)33.65
EY3.84%
EPS(NY)36.91
Fwd EY4.22%
FCF(TTM)2.08
FCFY0.24%
OCF(TTM)6.91
OCFY0.79%
SpS405.72
BVpS279.56
TBVpS215.22
PEG (NY)1.44
PEG (5Y)4.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 16.14% | ||
| ROCE | 0.45% | ||
| ROIC | 0.35% | ||
| ROICexc | 0.36% | ||
| ROICexgc | 0.37% | ||
| OM | 8.79% | ||
| PM (TTM) | 11.12% | ||
| GM | N/A | ||
| FCFM | 0.51% |
ROA(3y)0.54%
ROA(5y)0.51%
ROE(3y)14.1%
ROE(5y)11.2%
ROIC(3y)0.96%
ROIC(5y)0.87%
ROICexc(3y)0.99%
ROICexc(5y)0.9%
ROICexgc(3y)1.03%
ROICexgc(5y)1%
ROCE(3y)1.21%
ROCE(5y)1.1%
ROICexcg growth 3Y-26.88%
ROICexcg growth 5Y-15.03%
ROICexc growth 3Y-21.04%
ROICexc growth 5Y-11.47%
OM growth 3Y-3.9%
OM growth 5Y3.12%
PM growth 3Y24.33%
PM growth 5Y17.71%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.25 | ||
| Debt/FCF | 168.02 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.19% | ||
| Interest Coverage | -2.33 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 4.61% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC4.53%
ROIC/WACC0.08
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.91%
Cap/Sales(5y)0.67%
Profit Quality(3y)50.98%
Profit Quality(5y)41.96%
High Growth Momentum
Growth
EPS 1Y (TTM)14.45%
EPS 3Y7.13%
EPS 5Y5.33%
EPS Q2Q%26.7%
EPS Next Y18.02%
EPS Next 2Y4.74%
EPS Next 3Y8.99%
EPS Next 5Y4.9%
Revenue 1Y (TTM)-16.63%
Revenue growth 3Y-0.42%
Revenue growth 5YN/A
Sales Q2Q%-10.95%
Revenue Next Year16.05%
Revenue Next 2Y6.31%
Revenue Next 3Y0.86%
Revenue Next 5Y1.24%
EBIT growth 1Y-74.91%
EBIT growth 3Y-23.39%
EBIT growth 5Y-12.18%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-92.75%
FCF growth 3Y-35.32%
FCF growth 5Y-51.61%
OCF growth 1Y-78.89%
OCF growth 3Y-14.35%
OCF growth 5Y-38.77%