SWISS LIFE HOLDING AG-REG (SLW.DE) Stock Fundamental Analysis
FRA:SLW - Deutsche Boerse Ag - CH0014852781 - Common Stock - Currency: EUR
We assign a fundamental rating of 3 out of 10 to SLW. SLW was compared to 36 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.
In the past year SLW had a positive cash flow from operations.
In the past 5 years SLW has always been profitable.
In the past 5 years SLW always reported a positive cash flow from operatings.
1.2 Ratios
SLW's Return On Assets of 0.55% is on the low side compared to the rest of the industry. SLW is outperformed by 75.00% of its industry peers.
SLW has a better Return On Equity (16.14%) than 72.22% of its industry peers.
SLW's Return On Invested Capital of 0.35% is on the low side compared to the rest of the industry. SLW is outperformed by 69.44% 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 2.20%.
| 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
The Profit Margin of SLW (11.12%) is better than 61.11% of its industry peers.
SLW's Profit Margin has improved in the last couple of years.
SLW's Operating Margin of 8.79% is on the low side compared to the rest of the industry. SLW is outperformed by 63.89% of its industry peers.
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.
SLW has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SLW has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SLW is 168.02, which is on the high side as it means it would take SLW, 168.02 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 168.02, SLW is doing worse than 80.56% of the companies in the same industry.
A Debt/Equity ratio of 1.25 is on the high side and indicates that SLW has dependencies on debt financing.
The Debt to Equity ratio of SLW (1.25) is worse than 86.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.25 | ||
| Debt/FCF | 168.02 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC4.62%
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.
SLW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.33% yearly.
Looking at the last year, SLW shows a very negative growth in Revenue. The Revenue has decreased by -16.63% in the last year.
The Revenue has been decreasing by -0.42% on average over the past years.
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
Based on estimates for the next years, SLW will show a small growth in Earnings Per Share. The EPS will grow by 4.90% on average per year.
SLW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.24% yearly.
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
The EPS growth rate is stable: in the next years the growth will be about the same 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
A Price/Earnings ratio of 26.37 indicates a quite expensive valuation of SLW.
77.78% of the companies in the same industry are cheaper than SLW, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.46, SLW is valued at the same level.
SLW is valuated rather expensively with a Price/Forward Earnings ratio of 24.04.
Based on the Price/Forward Earnings ratio, SLW is valued more expensive than 88.89% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.44. SLW is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.37 | ||
| Fwd PE | 24.04 |
4.2 Price Multiples
SLW's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SLW is more expensive than 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 423.34 | ||
| 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)1.46
PEG (5Y)4.94
EPS Next 2Y4.74%
EPS Next 3Y8.99%
5. Dividend
5.1 Amount
SLW has a Yearly Dividend Yield of 4.27%, which is a nice return.
SLW's Dividend Yield is slightly below the industry average, which is at 4.51.
Compared to an average S&P500 Dividend Yield of 2.34, SLW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.27% |
5.2 History
On average, the dividend of SLW grows each year by 18.46%, which is quite nice.
Dividend Growth(5Y)18.46%
Div Incr Years0
Div Non Decr Years0
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 (7/21/2025, 7:00:00 PM)
891.2
+12.8 (+1.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners27.77%
Inst Owner ChangeN/A
Ins Owners0.4%
Ins Owner ChangeN/A
Market Cap25.43B
Analysts70.53
Price Target856.67 (-3.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.27% |
Yearly Dividend35.35
Dividend Growth(5Y)18.46%
DP77.84%
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)1.88%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.37 | ||
| Fwd PE | 24.04 | ||
| P/S | 2.17 | ||
| P/FCF | 423.34 | ||
| P/OCF | 127.46 | ||
| P/B | 3.15 | ||
| P/tB | 4.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)33.79
EY3.79%
EPS(NY)37.07
Fwd EY4.16%
FCF(TTM)2.11
FCFY0.24%
OCF(TTM)6.99
OCFY0.78%
SpS410.32
BVpS282.73
TBVpS217.66
PEG (NY)1.46
PEG (5Y)4.94
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
WACC4.62%
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%