SWISS LIFE HOLDING AG-REG (SLW.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SLW - CH0014852781 - Common Stock
958 EUR
-16.8 (-1.72%)
SLW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 49 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 has a Return On Assets of 0.55%. This is amonst the worse of the industry: SLW underperforms 81.63% of its industry peers.
Looking at the Return On Equity, with a value of 17.41%, SLW is in the better half of the industry, outperforming 69.39% of the companies in the same industry.
SLW has a better Return On Invested Capital (1.60%) than 61.22% 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 2.69%.
The 3 year average ROIC (0.96%) for SLW is below the current ROIC(1.60%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 17.41% | ||
| ROIC | 1.6% |
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
Looking at the Profit Margin, with a value of 8.52%, SLW is in line with its industry, outperforming 48.98% of the companies in the same industry.
In the last couple of years the Profit Margin of SLW has grown nicely.
The Operating Margin of SLW (30.69%) is better than 93.88% of its industry peers.
SLW's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.69% | ||
| PM (TTM) | 8.52% | ||
| 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.
SLW has a better debt/assets ratio than last year.
2.2 Solvency
SLW has a debt to FCF ratio of 6.50. This is a slightly negative value and a sign of low solvency as SLW would need 6.50 years to pay back of all of its debts.
The Debt to FCF ratio of SLW (6.50) is worse than 71.43% of its industry peers.
A Debt/Equity ratio of 1.50 is on the high side and indicates that SLW has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.50, SLW is doing worse than 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.5 | ||
| Debt/FCF | 6.5 | ||
| Altman-Z | N/A |
ROIC/WACC0.35
WACC4.57%
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 9.43%, which is quite good.
The Earnings Per Share has been growing slightly by 3.00% on average over the past years.
Looking at the last year, SLW shows a quite strong growth in Revenue. The Revenue has grown by 19.47% in the last year.
Measured over the past years, SLW shows a very negative growth in Revenue. The Revenue has been decreasing by -14.83% on average per year.
EPS 1Y (TTM)9.43%
EPS 3Y1.93%
EPS 5Y3%
EPS Q2Q%-3.93%
Revenue 1Y (TTM)19.47%
Revenue growth 3Y-20.28%
Revenue growth 5Y-14.83%
Sales Q2Q%64.48%
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 5.62% on average per year.
SLW is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -13.68% yearly.
EPS Next Y2.22%
EPS Next 2Y5.38%
EPS Next 3Y5.65%
EPS Next 5Y5.62%
Revenue Next Year-9.51%
Revenue Next 2Y3.89%
Revenue Next 3Y-0.72%
Revenue Next 5Y-13.68%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
SLW is valuated rather expensively with a Price/Earnings ratio of 21.52.
Based on the Price/Earnings ratio, SLW is valued expensively inside the industry as 81.63% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 27.19, SLW is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 18.07, the valuation of SLW can be described as rather expensive.
Based on the Price/Forward Earnings ratio, SLW is valued more expensive than 89.80% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, SLW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.52 | ||
| Fwd PE | 18.07 |
4.2 Price Multiples
SLW's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of SLW may justify a higher PE ratio.
PEG (NY)9.68
PEG (5Y)7.18
EPS Next 2Y5.38%
EPS Next 3Y5.65%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.82%, SLW has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.08, SLW is paying slightly less dividend.
SLW's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
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 Years0
Div Non Decr Years0
5.3 Sustainability
SLW pays out 83.35% of its income as dividend. 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.
DP83.35%
EPS Next 2Y5.38%
EPS Next 3Y5.65%
FRA:SLW (1/9/2026, 7:00:00 PM)
958
-16.8 (-1.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners36.01%
Inst Owner ChangeN/A
Ins Owners0.4%
Ins Owner ChangeN/A
Market Cap27.33B
Revenue(TTM)13.95B
Net Income(TTM)1.19B
Analysts51.82
Price Target921.5 (-3.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
Yearly Dividend35.38
Dividend Growth(5Y)18.46%
DP83.35%
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)6.62%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.23%
EPS NY rev (3m)0.05%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)2.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.52 | ||
| Fwd PE | 18.07 | ||
| P/S | 1.82 | ||
| P/FCF | 16.2 | ||
| P/OCF | 14.98 | ||
| P/B | 3.73 | ||
| P/tB | 4.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)44.52
EY4.65%
EPS(NY)53.03
Fwd EY5.54%
FCF(TTM)59.13
FCFY6.17%
OCF(TTM)63.95
OCFY6.68%
SpS525.16
BVpS257.08
TBVpS191.89
PEG (NY)9.68
PEG (5Y)7.18
Graham Number507.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 17.41% | ||
| ROCE | 2.02% | ||
| ROIC | 1.6% | ||
| ROICexc | 1.64% | ||
| ROICexgc | 1.69% | ||
| OM | 30.69% | ||
| PM (TTM) | 8.52% | ||
| GM | N/A | ||
| FCFM | 11.26% |
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%
ROICexgc growth 3Y-26.88%
ROICexgc 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 Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.5 | ||
| Debt/FCF | 6.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.92% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 132.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC4.57%
ROIC/WACC0.35
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)9.43%
EPS 3Y1.93%
EPS 5Y3%
EPS Q2Q%-3.93%
EPS Next Y2.22%
EPS Next 2Y5.38%
EPS Next 3Y5.65%
EPS Next 5Y5.62%
Revenue 1Y (TTM)19.47%
Revenue growth 3Y-20.28%
Revenue growth 5Y-14.83%
Sales Q2Q%64.48%
Revenue Next Year-9.51%
Revenue Next 2Y3.89%
Revenue Next 3Y-0.72%
Revenue Next 5Y-13.68%
EBIT growth 1Y112.82%
EBIT growth 3Y-23.39%
EBIT growth 5Y-12.18%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y720.95%
FCF growth 3Y-35.32%
FCF growth 5Y-51.61%
OCF growth 1Y1033.52%
OCF growth 3Y-14.35%
OCF growth 5Y-38.77%
SWISS LIFE HOLDING AG-REG / SLW.DE FAQ
What is the fundamental rating for SLW stock?
ChartMill assigns a fundamental rating of 3 / 10 to SLW.DE.
Can you provide the valuation status for SWISS LIFE HOLDING AG-REG?
ChartMill assigns a valuation rating of 2 / 10 to SWISS LIFE HOLDING AG-REG (SLW.DE). This can be considered as Overvalued.
What is the profitability of SLW stock?
SWISS LIFE HOLDING AG-REG (SLW.DE) has a profitability rating of 6 / 10.
Can you provide the expected EPS growth for SLW stock?
The Earnings per Share (EPS) of SWISS LIFE HOLDING AG-REG (SLW.DE) is expected to grow by 2.22% in the next year.
How sustainable is the dividend of SWISS LIFE HOLDING AG-REG (SLW.DE) stock?
The dividend rating of SWISS LIFE HOLDING AG-REG (SLW.DE) is 4 / 10 and the dividend payout ratio is 83.35%.