SWISS LIFE HOLDING AG-REG (SLW.DE) Stock Fundamental Analysis
FRA:SLW - Deutsche Boerse Ag - CH0014852781 - Common Stock - Currency: EUR
SLW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 37 industry peers in the Insurance industry. While SLW is still in line with the averages on profitability rating, there are concerns on its financial health. SLW is valued expensive and it does not seem to be growing.
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
With a Return On Assets value of 0.55%, SLW is not doing good in the industry: 78.38% of the companies in the same industry are doing better.
SLW has a Return On Equity of 16.14%. This is in the better half of the industry: SLW outperforms 64.86% of its industry peers.
The Return On Invested Capital of SLW (0.35%) is worse than 72.97% 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 2.19%.
| 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 67.57% of its industry peers.
SLW's Profit Margin has improved in the last couple of years.
SLW has a worse Operating Margin (8.79%) than 64.86% of its industry peers.
SLW's Operating Margin has improved in the last couple of years.
| 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
SLW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
SLW has less shares outstanding than it did 1 year ago.
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 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.
The Debt to FCF ratio of SLW (168.02) is worse than 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.
With a Debt to Equity ratio value of 1.25, SLW is not doing good in the industry: 81.08% of the companies in the same industry are doing better.
| 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.
SLW shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.63%.
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.
Based on estimates for the next years, SLW will show a small growth in Revenue. The Revenue will grow by 1.24% on average per year.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 28.53 indicates a quite expensive valuation of SLW.
86.49% of the companies in the same industry are cheaper than SLW, based on the Price/Earnings ratio.
SLW is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 26.01, which means the current valuation is very expensive for SLW.
89.19% 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 34.91, SLW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.53 | ||
| Fwd PE | 26.01 |
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 72.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 458.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SLW's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.58
PEG (5Y)5.35
EPS Next 2Y4.74%
EPS Next 3Y8.99%
5. Dividend
5.1 Amount
SLW has a Yearly Dividend Yield of 3.89%.
SLW's Dividend Yield is slightly below the industry average, which is at 4.34.
Compared to an average S&P500 Dividend Yield of 2.36, SLW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.89% |
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.
SLW's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP77.84%
EPS Next 2Y4.74%
EPS Next 3Y8.99%
FRA:SLW (8/20/2025, 7:00:00 PM)
956.2
+0.2 (+0.02%)
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 Cap27.28B
Analysts70.53
Price Target856.57 (-10.42%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.89% |
Yearly Dividend34.99
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)0.64%
PT rev (3m)5.49%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)18.49%
Revenue NY rev (3m)18.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.53 | ||
| Fwd PE | 26.01 | ||
| P/S | 2.35 | ||
| P/FCF | 458.07 | ||
| P/OCF | 137.91 | ||
| P/B | 3.41 | ||
| P/tB | 4.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)33.51
EY3.5%
EPS(NY)36.76
Fwd EY3.84%
FCF(TTM)2.09
FCFY0.22%
OCF(TTM)6.93
OCFY0.73%
SpS406.87
BVpS280.35
TBVpS215.83
PEG (NY)1.58
PEG (5Y)5.35
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%