SWISS LIFE HOLDING AG-REG (SLW.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SLW - CH0014852781 - Common Stock
954.6 EUR
-3.4 (-0.35%)
SLW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 46 industry peers in the Insurance industry. SLW has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
In the past 5 years SLW always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.55%, SLW is not doing good in the industry: 80.43% of the companies in the same industry are doing better.
SLW has a better Return On Equity (17.41%) than 65.22% of its industry peers.
The Return On Invested Capital of SLW (1.60%) is better than 60.87% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for SLW is in line with the industry average of 2.71%.
The last Return On Invested Capital (1.60%) for SLW is above the 3 year average (0.96%), which is a sign of increasing profitability.
| 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 has a Profit Margin (8.52%) which is in line with its industry peers.
SLW's Profit Margin has improved in the last couple of years.
The Operating Margin of SLW (30.69%) is better than 93.48% of its industry peers.
In the last couple of years the Operating Margin of SLW has grown nicely.
| 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.
SLW has a worse Debt to FCF ratio (6.50) than 71.74% 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.
With a Debt to Equity ratio value of 1.50, SLW is not doing good in the industry: 86.96% of the companies in the same industry are doing better.
| 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.
The Revenue for SLW have been decreasing by -14.83% on average. This is quite bad
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
SLW is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.24% yearly.
The Revenue is expected to decrease by -13.99% on average over the next years. This is quite bad
EPS Next Y2.22%
EPS Next 2Y5.38%
EPS Next 3Y5.65%
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
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
SLW is valuated rather expensively with a Price/Earnings ratio of 21.44.
Based on the Price/Earnings ratio, SLW is valued more expensive than 82.61% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.25. SLW is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 18.00, which indicates a rather expensive current valuation of SLW.
SLW's Price/Forward Earnings ratio is rather expensive when compared to the industry. SLW is more expensive than 91.30% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.98, SLW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.44 | ||
| Fwd PE | 18 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as SLW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.14 | ||
| 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)9.64
PEG (5Y)7.15
EPS Next 2Y5.38%
EPS Next 3Y5.65%
5. Dividend
5.1 Amount
SLW has a Yearly Dividend Yield of 3.85%.
SLW's Dividend Yield is comparable with the industry average which is at 3.93.
Compared to an average S&P500 Dividend Yield of 1.92, SLW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.85% |
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
SLW pays out 83.35% of its income as dividend. 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 2Y5.38%
EPS Next 3Y5.65%
FRA:SLW (1/12/2026, 7:00:00 PM)
954.6
-3.4 (-0.35%)
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 Cap27.23B
Revenue(TTM)13.95B
Net Income(TTM)1.19B
Analysts51.82
Price Target921.5 (-3.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.85% |
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 | 21.44 | ||
| Fwd PE | 18 | ||
| P/S | 1.82 | ||
| P/FCF | 16.14 | ||
| P/OCF | 14.93 | ||
| P/B | 3.71 | ||
| P/tB | 4.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)44.52
EY4.66%
EPS(NY)53.02
Fwd EY5.55%
FCF(TTM)59.13
FCFY6.19%
OCF(TTM)63.94
OCFY6.7%
SpS525.1
BVpS257.06
TBVpS191.87
PEG (NY)9.64
PEG (5Y)7.15
Graham Number507.44
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 5Y5.24%
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 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%.