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SWISS RE AG (SR9.DE) Stock Fundamental Analysis

Europe - Frankfurt Stock Exchange - FRA:SR9 - CH0126881561 - Common Stock

136.75 EUR
-0.6 (-0.44%)
Last: 1/16/2026, 7:00:00 PM
Fundamental Rating

4

Taking everything into account, SR9 scores 4 out of 10 in our fundamental rating. SR9 was compared to 48 industry peers in the Insurance industry. While SR9 is still in line with the averages on profitability rating, there are concerns on its financial health. SR9 is not valued too expensively and it also shows a decent growth rate. SR9 also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year SR9 was profitable.
  • In the past year SR9 had a positive cash flow from operations.
  • SR9 had positive earnings in 4 of the past 5 years.
  • In the past 5 years SR9 always reported a positive cash flow from operatings.
SR9.DE Yearly Net Income VS EBIT VS OCF VS FCFSR9.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 0 2B 4B 6B 8B

1.2 Ratios

  • SR9 has a Return On Assets of 2.75%. This is in the better half of the industry: SR9 outperforms 77.08% of its industry peers.
  • The Return On Equity of SR9 (15.53%) is comparable to the rest of the industry.
  • SR9's Return On Invested Capital of 2.77% is fine compared to the rest of the industry. SR9 outperforms 75.00% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SR9 is in line with the industry average of 2.70%.
  • The 3 year average ROIC (2.05%) for SR9 is below the current ROIC(2.77%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.75%
ROE 15.53%
ROIC 2.77%
ROA(3y)1.68%
ROA(5y)1.07%
ROE(3y)10.37%
ROE(5y)6.8%
ROIC(3y)2.05%
ROIC(5y)N/A
SR9.DE Yearly ROA, ROE, ROICSR9.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • The Profit Margin of SR9 (8.36%) is worse than 64.58% of its industry peers.
  • SR9's Profit Margin has improved in the last couple of years.
  • The Operating Margin of SR9 (10.51%) is worse than 60.42% of its industry peers.
  • In the last couple of years the Operating Margin of SR9 has grown nicely.
Industry RankSector Rank
OM 10.51%
PM (TTM) 8.36%
GM N/A
OM growth 3Y38.28%
OM growth 5Y36.47%
PM growth 3Y31%
PM growth 5Y36.36%
GM growth 3YN/A
GM growth 5YN/A
SR9.DE Yearly Profit, Operating, Gross MarginsSR9.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8 10

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2

2. Health

2.1 Basic Checks

  • SR9 has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for SR9 has been increased compared to 5 years ago.
  • The debt/assets ratio for SR9 has been reduced compared to a year ago.
SR9.DE Yearly Shares OutstandingSR9.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
SR9.DE Yearly Total Debt VS Total AssetsSR9.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

  • The Debt to FCF ratio of SR9 is 2.64, which is a good value as it means it would take SR9, 2.64 years of fcf income to pay off all of its debts.
  • SR9 has a Debt to FCF ratio (2.64) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.35 indicates that SR9 is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.35, SR9 is doing good in the industry, outperforming 77.08% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 2.64
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
SR9.DE Yearly LT Debt VS Equity VS FCFSR9.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SR9.DE Yearly Current Assets VS Current LiabilitesSR9.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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4

3. Growth

3.1 Past

  • SR9 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 88.86%, which is quite impressive.
  • The Earnings Per Share has been growing by 33.96% on average over the past years. This is a very strong growth
  • SR9 shows a small growth in Revenue. In the last year, the Revenue has grown by 4.74%.
  • The Revenue has been decreasing by -1.49% on average over the past years.
EPS 1Y (TTM)88.86%
EPS 3Y31.5%
EPS 5Y33.96%
EPS Q2Q%1097.92%
Revenue 1Y (TTM)4.74%
Revenue growth 3Y-0.54%
Revenue growth 5Y-1.49%
Sales Q2Q%-1.6%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.90% on average over the next years.
  • The Revenue is expected to grow by 3.00% on average over the next years.
EPS Next Y64.55%
EPS Next 2Y26.57%
EPS Next 3Y18.1%
EPS Next 5Y7.9%
Revenue Next Year-2.94%
Revenue Next 2Y-0.01%
Revenue Next 3Y1.12%
Revenue Next 5Y3%

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 decreasing.
  • 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.
SR9.DE Yearly Revenue VS EstimatesSR9.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B
SR9.DE Yearly EPS VS EstimatesSR9.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0 5 10 15 20

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6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.09, the valuation of SR9 can be described as very reasonable.
  • Based on the Price/Earnings ratio, SR9 is valued cheaply inside the industry as 91.67% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of SR9 to the average of the S&P500 Index (27.38), we can say SR9 is valued rather cheaply.
  • SR9 is valuated reasonably with a Price/Forward Earnings ratio of 9.62.
  • 72.92% of the companies in the same industry are more expensive than SR9, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of SR9 to the average of the S&P500 Index (24.29), we can say SR9 is valued rather cheaply.
Industry RankSector Rank
PE 9.09
Fwd PE 9.62
SR9.DE Price Earnings VS Forward Price EarningsSR9.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as SR9.
Industry RankSector Rank
P/FCF 13.1
EV/EBITDA N/A
SR9.DE Per share dataSR9.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • SR9's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • SR9's earnings are expected to grow with 18.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)0.27
EPS Next 2Y26.57%
EPS Next 3Y18.1%

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7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.70%, SR9 is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.19, SR9 pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.85, SR9 pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.7%

5.2 History

  • The dividend of SR9 has a limited annual growth rate of 3.80%.
Dividend Growth(5Y)3.8%
Div Incr Years0
Div Non Decr Years0
SR9.DE Yearly Dividends per shareSR9.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 1 2 3 4 5

5.3 Sustainability

  • SR9 pays out 58.32% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of SR9 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP58.32%
EPS Next 2Y26.57%
EPS Next 3Y18.1%
SR9.DE Yearly Income VS Free CF VS DividendSR9.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B
SR9.DE Dividend Payout.SR9.DE Dividend Payout, showing the Payout Ratio.SR9.DE Dividend Payout.PayoutRetained Earnings

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SWISS RE AG

FRA:SR9 (1/16/2026, 7:00:00 PM)

136.75

-0.6 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-14
Earnings (Next)02-27
Inst Owners39.19%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap40.86B
Revenue(TTM)45.26B
Net Income(TTM)3.72B
Analysts53.33
Price Target165.4 (20.95%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.7%
Yearly Dividend5.83
Dividend Growth(5Y)3.8%
DP58.32%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.09%
Min EPS beat(2)-11.28%
Max EPS beat(2)25.45%
EPS beat(4)2
Avg EPS beat(4)-17.07%
Min EPS beat(4)-85.46%
Max EPS beat(4)25.45%
EPS beat(8)4
Avg EPS beat(8)-6.39%
EPS beat(12)5
Avg EPS beat(12)-30.28%
EPS beat(16)6
Avg EPS beat(16)-37.64%
Revenue beat(2)0
Avg Revenue beat(2)-9.19%
Min Revenue beat(2)-13.74%
Max Revenue beat(2)-4.65%
Revenue beat(4)0
Avg Revenue beat(4)-6.85%
Min Revenue beat(4)-13.74%
Max Revenue beat(4)-1.11%
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)4.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.2%
EPS NY rev (1m)0.58%
EPS NY rev (3m)1.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.64%
Valuation
Industry RankSector Rank
PE 9.09
Fwd PE 9.62
P/S 1.07
P/FCF 13.1
P/OCF 13.1
P/B 1.98
P/tB 2.39
EV/EBITDA N/A
EPS(TTM)15.04
EY11%
EPS(NY)14.22
Fwd EY10.4%
FCF(TTM)10.44
FCFY7.63%
OCF(TTM)10.44
OCFY7.63%
SpS128.08
BVpS68.93
TBVpS57.3
PEG (NY)0.14
PEG (5Y)0.27
Graham Number152.73
Profitability
Industry RankSector Rank
ROA 2.75%
ROE 15.53%
ROCE 3.5%
ROIC 2.77%
ROICexc 2.85%
ROICexgc 3.26%
OM 10.51%
PM (TTM) 8.36%
GM N/A
FCFM 8.15%
ROA(3y)1.68%
ROA(5y)1.07%
ROE(3y)10.37%
ROE(5y)6.8%
ROIC(3y)2.05%
ROIC(5y)N/A
ROICexc(3y)2.12%
ROICexc(5y)N/A
ROICexgc(3y)2.47%
ROICexgc(5y)N/A
ROCE(3y)2.58%
ROCE(5y)N/A
ROICexgc growth 3Y50.76%
ROICexgc growth 5Y52.33%
ROICexc growth 3Y53.43%
ROICexc growth 5Y51.85%
OM growth 3Y38.28%
OM growth 5Y36.47%
PM growth 3Y31%
PM growth 5Y36.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.33
Health
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 2.64
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 8.77
Cash Conversion N/A
Profit Quality 97.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)285.69%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)88.86%
EPS 3Y31.5%
EPS 5Y33.96%
EPS Q2Q%1097.92%
EPS Next Y64.55%
EPS Next 2Y26.57%
EPS Next 3Y18.1%
EPS Next 5Y7.9%
Revenue 1Y (TTM)4.74%
Revenue growth 3Y-0.54%
Revenue growth 5Y-1.49%
Sales Q2Q%-1.6%
Revenue Next Year-2.94%
Revenue Next 2Y-0.01%
Revenue Next 3Y1.12%
Revenue Next 5Y3%
EBIT growth 1Y3.78%
EBIT growth 3Y37.53%
EBIT growth 5Y34.43%
EBIT Next Year61.93%
EBIT Next 3Y17.63%
EBIT Next 5YN/A
FCF growth 1Y50.35%
FCF growth 3Y-8.64%
FCF growth 5Y13.41%
OCF growth 1Y50.35%
OCF growth 3Y-8.64%
OCF growth 5Y13.41%

SWISS RE AG / SR9.DE FAQ

What is the ChartMill fundamental rating of SWISS RE AG (SR9.DE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to SR9.DE.


What is the valuation status of SWISS RE AG (SR9.DE) stock?

ChartMill assigns a valuation rating of 6 / 10 to SWISS RE AG (SR9.DE). This can be considered as Fairly Valued.


How profitable is SWISS RE AG (SR9.DE) stock?

SWISS RE AG (SR9.DE) has a profitability rating of 5 / 10.


Can you provide the financial health for SR9 stock?

The financial health rating of SWISS RE AG (SR9.DE) is 2 / 10.


Can you provide the expected EPS growth for SR9 stock?

The Earnings per Share (EPS) of SWISS RE AG (SR9.DE) is expected to grow by 64.55% in the next year.