SWISS LIFE HOLDING AG-REG (SLW.DE) Stock Fundamental Analysis
Europe - FRA:SLW - CH0014852781 - Common Stock
935.6 EUR
-22 (-2.3%)
Overall SLW gets a fundamental rating of 3 out of 10. We evaluated SLW against 40 industry peers in the Insurance industry. SLW has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
SLW had a positive operating cash flow in the past year.
Each year in the past 5 years SLW has been profitable.
SLW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SLW has a worse Return On Assets (0.55%) than 80.00% of its industry peers.
SLW's Return On Equity of 17.41% is fine compared to the rest of the industry. SLW outperforms 80.00% of its industry peers.
SLW has a better Return On Invested Capital (1.60%) than 62.50% 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 2.35%.
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
With a Profit Margin value of 8.52%, SLW perfoms like the industry average, outperforming 52.50% of the companies in the same industry.
SLW's Profit Margin has improved in the last couple of years.
The Operating Margin of SLW (30.69%) is better than 92.50% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SLW is destroying value.
SLW has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, SLW has less shares outstanding
The debt/assets ratio for SLW has been reduced compared to a year ago.
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.
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 60.00% of its industry peers.
SLW has a Debt/Equity ratio of 1.50. This is a high value indicating a heavy dependency on external financing.
SLW has a Debt to Equity ratio of 1.50. This is amonst the worse of the industry: SLW underperforms 82.50% 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.
SLW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.00% yearly.
The Revenue has grown by 19.47% in the past year. This is quite good.
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
Based on estimates for the next years, SLW will show a small growth in Earnings Per Share. The EPS will grow by 5.58% on average per year.
SLW is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -13.72% yearly.
EPS Next Y2.92%
EPS Next 2Y5.79%
EPS Next 3Y6.11%
EPS Next 5Y5.58%
Revenue Next Year-11.97%
Revenue Next 2Y4.31%
Revenue Next 3Y-1.53%
Revenue Next 5Y-13.72%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 20.73, the valuation of SLW can be described as rather expensive.
Based on the Price/Earnings ratio, SLW is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of SLW to the average of the S&P500 Index (25.56), we can say SLW is valued inline with the index average.
Based on the Price/Forward Earnings ratio of 17.27, the valuation of SLW can be described as rather expensive.
Based on the Price/Forward Earnings ratio, SLW is valued more expensive than 85.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.62. SLW is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.73 | ||
| Fwd PE | 17.27 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SLW is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.61 | ||
| 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.
SLW has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)7.09
PEG (5Y)6.91
EPS Next 2Y5.79%
EPS Next 3Y6.11%
5. Dividend
5.1 Amount
SLW has a Yearly Dividend Yield of 3.97%.
Compared to an average industry Dividend Yield of 4.50, SLW is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, SLW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.97% |
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 2Y5.79%
EPS Next 3Y6.11%
FRA:SLW (11/17/2025, 7:00:00 PM)
935.6
-22 (-2.3%)
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 Cap26.69B
Revenue(TTM)13.95B
Net Income(TTM)1.19B
Analysts52.38
Price Target890.88 (-4.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.97% |
Yearly Dividend35.88
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)3.08%
PT rev (3m)4.01%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.74%
EPS NY rev (3m)4.1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.73 | ||
| Fwd PE | 17.27 | ||
| P/S | 1.76 | ||
| P/FCF | 15.61 | ||
| P/OCF | 14.43 | ||
| P/B | 3.59 | ||
| P/tB | 4.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)45.14
EY4.82%
EPS(NY)54.18
Fwd EY5.79%
FCF(TTM)59.95
FCFY6.41%
OCF(TTM)64.84
OCFY6.93%
SpS532.42
BVpS260.64
TBVpS194.54
PEG (NY)7.09
PEG (5Y)6.91
Graham Number514.51
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 Y2.92%
EPS Next 2Y5.79%
EPS Next 3Y6.11%
EPS Next 5Y5.58%
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-13.72%
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 2.92% in the next year.