SWISS LIFE HOLDING AG-REG (SLW.DE) Stock Fundamental Analysis
Europe - FRA:SLW - CH0014852781 - Common Stock
948.4 EUR
-0.6 (-0.06%)
Taking everything into account, SLW scores 3 out of 10 in our fundamental rating. SLW was compared to 43 industry peers in the Insurance industry. There are concerns on the financial health of SLW while its profitability can be described as average. SLW is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year SLW was profitable.
In the past year SLW had a positive cash flow from operations.
In the past 5 years SLW has always been profitable.
Each year in the past 5 years SLW had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SLW (0.55%) is worse than 83.72% 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 76.74% of the companies in the same industry.
SLW's Return On Invested Capital of 1.60% is fine compared to the rest of the industry. SLW outperforms 62.79% of its industry peers.
SLW had an Average Return On Invested Capital over the past 3 years of 0.96%. This is in line with the industry average of 2.22%.
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
SLW's Profit Margin of 8.52% is in line compared to the rest of the industry. SLW outperforms 53.49% of its industry peers.
In the last couple of years the Profit Margin of SLW has grown nicely.
With an excellent Operating Margin value of 30.69%, SLW belongs to the best of the industry, outperforming 93.02% of the companies in the same industry.
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.
Compared to 1 year ago, SLW has less shares outstanding
The number of shares outstanding for SLW has been reduced compared to 5 years ago.
SLW has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SLW is 6.50, which is on the high side as it means it would take SLW, 6.50 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.50, SLW is doing worse than 62.79% of the companies in the same industry.
SLW has a Debt/Equity ratio of 1.50. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of SLW (1.50) is worse than 83.72% of its industry peers.
| 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
The Earnings Per Share has grown by an nice 9.43% over the past year.
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
The Earnings Per Share is expected to grow by 5.28% on average over the next years.
The Revenue is expected to decrease by -13.96% on average over the next years. This is quite bad
EPS Next Y2.17%
EPS Next 2Y5.44%
EPS Next 3Y5.73%
EPS Next 5Y5.28%
Revenue Next Year-11.97%
Revenue Next 2Y4.31%
Revenue Next 3Y-1.53%
Revenue Next 5Y-13.96%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 21.19, which indicates a rather expensive current valuation of SLW.
Based on the Price/Earnings ratio, SLW is valued a bit more expensive than the industry average as 76.74% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.00, SLW is valued a bit cheaper.
With a Price/Forward Earnings ratio of 17.77, SLW is valued on the expensive side.
90.70% of the companies in the same industry are cheaper than SLW, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, SLW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.19 | ||
| Fwd PE | 17.77 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SLW is valued a bit more expensive than 60.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SLW does not grow enough to justify the current Price/Earnings ratio.
SLW has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)9.75
PEG (5Y)7.07
EPS Next 2Y5.44%
EPS Next 3Y5.73%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.78%, SLW has a reasonable but not impressive dividend return.
SLW's Dividend Yield is slightly below the industry average, which is at 4.57.
SLW's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
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
83.35% 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.
DP83.35%
EPS Next 2Y5.44%
EPS Next 3Y5.73%
FRA:SLW (10/28/2025, 7:00:00 PM)
948.4
-0.6 (-0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.77%
Inst Owner ChangeN/A
Ins Owners0.4%
Ins Owner ChangeN/A
Market Cap27.06B
Revenue(TTM)13.95B
Net Income(TTM)1.19B
Analysts52.38
Price Target864.28 (-8.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
Yearly Dividend35.64
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)0.89%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)18.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.19 | ||
| Fwd PE | 17.77 | ||
| P/S | 1.8 | ||
| P/FCF | 15.95 | ||
| P/OCF | 14.75 | ||
| P/B | 3.67 | ||
| P/tB | 4.92 | ||
| EV/EBITDA | N/A |
EPS(TTM)44.76
EY4.72%
EPS(NY)53.37
Fwd EY5.63%
FCF(TTM)59.45
FCFY6.27%
OCF(TTM)64.3
OCFY6.78%
SpS528
BVpS258.47
TBVpS192.93
PEG (NY)9.75
PEG (5Y)7.07
Graham Number510.2
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 Y2.17%
EPS Next 2Y5.44%
EPS Next 3Y5.73%
EPS Next 5Y5.28%
Revenue 1Y (TTM)19.47%
Revenue growth 3Y-20.28%
Revenue growth 5Y-14.83%
Sales Q2Q%64.48%
Revenue Next Year-11.97%
Revenue Next 2Y4.31%
Revenue Next 3Y-1.53%
Revenue Next 5Y-13.96%
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.
What is the valuation status for SLW stock?
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.
What is the financial health of SWISS LIFE HOLDING AG-REG (SLW.DE) stock?
The financial health rating of SWISS LIFE HOLDING AG-REG (SLW.DE) is 1 / 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 2.17% in the next year.