SWISS LIFE HOLDING AG-REG (SLW.DE) Fundamental Analysis & Valuation

FRA:SLW • CH0014852781

Current stock price

892 EUR
-23 (-2.51%)
Last:

This SLW.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. SLW.DE Profitability Analysis

1.1 Basic Checks

  • SLW had positive earnings in the past year.
  • In the past year SLW had a positive cash flow from operations.
  • SLW had positive earnings in each of the past 5 years.
  • Each year in the past 5 years SLW had a positive operating cash flow.
SLW.DE Yearly Net Income VS EBIT VS OCF VS FCFSLW.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

1.2 Ratios

  • The Return On Assets of SLW (0.55%) is worse than 77.08% of its industry peers.
  • SLW has a Return On Equity of 17.41%. This is in the better half of the industry: SLW outperforms 64.58% of its industry peers.
  • SLW has a Return On Invested Capital of 1.60%. This is in the better half of the industry: SLW outperforms 60.42% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SLW is below the industry average of 3.34%.
  • The 3 year average ROIC (0.96%) for SLW is below the current ROIC(1.60%), indicating increased profibility in the last year.
Industry RankSector 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%
SLW.DE Yearly ROA, ROE, ROICSLW.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • SLW's Profit Margin of 8.52% is in line compared to the rest of the industry. SLW outperforms 50.00% of its industry peers.
  • SLW's Profit Margin has improved in the last couple of years.
  • SLW has a better Operating Margin (30.69%) than 93.75% of its industry peers.
  • In the last couple of years the Operating Margin of SLW has grown nicely.
Industry RankSector 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
SLW.DE Yearly Profit, Operating, Gross MarginsSLW.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. SLW.DE Health Analysis

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.
  • 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.
SLW.DE Yearly Shares OutstandingSLW.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
SLW.DE Yearly Total Debt VS Total AssetsSLW.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

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.
  • SLW's Debt to FCF ratio of 6.50 is on the low side compared to the rest of the industry. SLW is outperformed by 72.92% 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.
  • SLW's Debt to Equity ratio of 1.50 is on the low side compared to the rest of the industry. SLW is outperformed by 85.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.5
Debt/FCF 6.5
Altman-Z N/A
ROIC/WACC0.35
WACC4.55%
SLW.DE Yearly LT Debt VS Equity VS FCFSLW.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLW.DE Yearly Current Assets VS Current LiabilitesSLW.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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3

3. SLW.DE Growth Analysis

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.
  • SLW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.00% yearly.
  • SLW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.47%.
  • SLW shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.83% yearly.
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 5.24% on average over the next years.
  • Based on estimates for the next years, SLW will show a very negative growth in Revenue. The Revenue will decrease by -13.99% on average per year.
EPS Next Y1.25%
EPS Next 2Y5.25%
EPS Next 3Y5.64%
EPS Next 5Y5.24%
Revenue Next Year-9.51%
Revenue Next 2Y3.89%
Revenue Next 3Y-0.72%
Revenue Next 5Y-13.99%

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.
SLW.DE Yearly Revenue VS EstimatesSLW.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B 20B
SLW.DE Yearly EPS VS EstimatesSLW.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60

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2

4. SLW.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • SLW is valuated rather expensively with a Price/Earnings ratio of 19.70.
  • Based on the Price/Earnings ratio, SLW is valued a bit more expensive than the industry average as 79.17% of the companies are valued more cheaply.
  • SLW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.73.
  • The Price/Forward Earnings ratio is 16.58, which indicates a correct valuation of SLW.
  • Based on the Price/Forward Earnings ratio, SLW is valued a bit more expensive than the industry average as 79.17% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of SLW to the average of the S&P500 Index (23.72), we can say SLW is valued slightly cheaper.
Industry RankSector Rank
PE 19.7
Fwd PE 16.58
SLW.DE Price Earnings VS Forward Price EarningsSLW.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • SLW's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.83
EV/EBITDA N/A
SLW.DE Per share dataSLW.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400 500

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.
  • The decent profitability rating of SLW may justify a higher PE ratio.
PEG (NY)15.79
PEG (5Y)6.57
EPS Next 2Y5.25%
EPS Next 3Y5.64%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. SLW.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.14%, SLW is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.14, SLW has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, SLW pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.14%

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
SLW.DE Yearly Dividends per shareSLW.DE Yearly Dividends per shareYearly Dividends per share 2025 10 20 30

5.3 Sustainability

  • 83.35% 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.
DP83.35%
EPS Next 2Y5.25%
EPS Next 3Y5.64%
SLW.DE Yearly Income VS Free CF VS DividendSLW.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
SLW.DE Dividend Payout.SLW.DE Dividend Payout, showing the Payout Ratio.SLW.DE Dividend Payout.PayoutRetained Earnings

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SLW.DE Fundamentals: All Metrics, Ratios and Statistics

SWISS LIFE HOLDING AG-REG

FRA:SLW (1/23/2026, 7:00:00 PM)

892

-23 (-2.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-12
Earnings (Next)03-12
Inst Owners36.01%
Inst Owner ChangeN/A
Ins Owners0.4%
Ins Owner ChangeN/A
Market Cap25.45B
Revenue(TTM)13.95B
Net Income(TTM)1.19B
Analysts51.82
Price Target921.5 (3.31%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.14%
Yearly Dividend35.99
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)2.66%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.96%
EPS NY rev (3m)-0.91%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.79%
Valuation
Industry RankSector Rank
PE 19.7
Fwd PE 16.58
P/S 1.67
P/FCF 14.83
P/OCF 13.72
P/B 3.41
P/tB 4.57
EV/EBITDA N/A
EPS(TTM)45.28
EY5.08%
EPS(NY)53.79
Fwd EY6.03%
FCF(TTM)60.13
FCFY6.74%
OCF(TTM)65.03
OCFY7.29%
SpS534.05
BVpS261.44
TBVpS195.14
PEG (NY)15.79
PEG (5Y)6.57
Graham Number516.09
Profitability
Industry RankSector 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 RankSector 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
WACC4.55%
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 Y1.25%
EPS Next 2Y5.25%
EPS Next 3Y5.64%
EPS Next 5Y5.24%
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-13.99%
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 Fundamental Analysis 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 1.25% 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 6 / 10 and the dividend payout ratio is 83.35%.