SWISS RE AG (SR9.DE) Stock Fundamental Analysis
Europe - FRA:SR9 - CH0126881561 - Common Stock
163.4 EUR
+1.9 (+1.18%)
Taking everything into account, SR9 scores 4 out of 10 in our fundamental rating. SR9 was compared to 39 industry peers in the Insurance industry. SR9 has a medium profitability rating, but doesn't score so well on its financial health evaluation. SR9 is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
SR9 had positive earnings in the past year.
In the past year SR9 had a positive cash flow from operations.
Of the past 5 years SR9 4 years were profitable.
Each year in the past 5 years SR9 had a positive operating cash flow.
1.2 Ratios
SR9 has a Return On Assets of 2.75%. This is amongst the best in the industry. SR9 outperforms 84.62% of its industry peers.
Looking at the Return On Equity, with a value of 15.53%, SR9 is in the better half of the industry, outperforming 64.10% of the companies in the same industry.
With an excellent Return On Invested Capital value of 2.77%, SR9 belongs to the best of the industry, outperforming 82.05% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SR9 is in line with the industry average of 2.36%.
The 3 year average ROIC (2.05%) for SR9 is below the current ROIC(2.77%), indicating increased profibility in the last year.
| Industry Rank | Sector 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
1.3 Margins
SR9 has a Profit Margin (8.36%) which is in line with its industry peers.
In the last couple of years the Profit Margin of SR9 has grown nicely.
With a Operating Margin value of 10.51%, SR9 perfoms like the industry average, outperforming 43.59% of the companies in the same industry.
In the last couple of years the Operating Margin of SR9 has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The number of shares outstanding for SR9 has been increased compared to 1 year ago.
SR9 has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SR9 has been reduced compared to a year ago.
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 of 2.64. This is in the better half of the industry: SR9 outperforms 61.54% of its industry peers.
SR9 has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of SR9 (0.35) is better than 84.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 2.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SR9 have decreased by -0.73% in the last year.
Measured over the past years, SR9 shows a very strong growth in Earnings Per Share. The EPS has been growing by 33.96% on average per year.
The Revenue has been growing slightly by 1.44% in the past year.
Measured over the past years, SR9 shows a decrease in Revenue. The Revenue has been decreasing by -1.49% on average per year.
EPS 1Y (TTM)-0.73%
EPS 3Y31.5%
EPS 5Y33.96%
EPS Q2Q%55.14%
Revenue 1Y (TTM)1.44%
Revenue growth 3Y-0.54%
Revenue growth 5Y-1.49%
Sales Q2Q%-52.36%
3.2 Future
Based on estimates for the next years, SR9 will show a small growth in Earnings Per Share. The EPS will grow by 7.90% on average per year.
SR9 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.00% yearly.
EPS Next Y61.66%
EPS Next 2Y29.17%
EPS Next 3Y20.79%
EPS Next 5Y7.9%
Revenue Next Year-0.31%
Revenue Next 2Y2.58%
Revenue Next 3Y2.53%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 15.53, SR9 is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of SR9 indicates a slightly more expensive valuation: SR9 is more expensive than 66.67% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.91, SR9 is valued a bit cheaper.
With a Price/Forward Earnings ratio of 11.01, the valuation of SR9 can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SR9 is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.92, SR9 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.53 | ||
| Fwd PE | 11.01 |
4.2 Price Multiples
SR9's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.63 | ||
| EV/EBITDA | N/A |
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.
The decent profitability rating of SR9 may justify a higher PE ratio.
SR9's earnings are expected to grow with 20.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)0.46
EPS Next 2Y29.17%
EPS Next 3Y20.79%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.06%, SR9 is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.55, SR9 is paying slightly less dividend.
SR9's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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
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 2Y29.17%
EPS Next 3Y20.79%
FRA:SR9 (10/24/2025, 7:00:00 PM)
163.4
+1.9 (+1.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.06%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap48.82B
Revenue(TTM)44.45B
Net Income(TTM)3.72B
Analysts70.83
Price Target158.63 (-2.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
Yearly Dividend5.79
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)0.37%
PT rev (3m)0.21%
EPS NQ rev (1m)12.53%
EPS NQ rev (3m)0.76%
EPS NY rev (1m)0.93%
EPS NY rev (3m)7.56%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)-0.74%
Revenue NY rev (1m)1.56%
Revenue NY rev (3m)-8.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.53 | ||
| Fwd PE | 11.01 | ||
| P/S | 1.27 | ||
| P/FCF | 15.63 | ||
| P/OCF | 15.63 | ||
| P/B | 2.37 | ||
| P/tB | 2.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.52
EY6.44%
EPS(NY)14.84
Fwd EY9.08%
FCF(TTM)10.46
FCFY6.4%
OCF(TTM)10.46
OCFY6.4%
SpS128.35
BVpS69.08
TBVpS57.42
PEG (NY)0.25
PEG (5Y)0.46
Graham Number127.87
Profitability
| Industry Rank | Sector 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 Rank | Sector 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)-0.73%
EPS 3Y31.5%
EPS 5Y33.96%
EPS Q2Q%55.14%
EPS Next Y61.66%
EPS Next 2Y29.17%
EPS Next 3Y20.79%
EPS Next 5Y7.9%
Revenue 1Y (TTM)1.44%
Revenue growth 3Y-0.54%
Revenue growth 5Y-1.49%
Sales Q2Q%-52.36%
Revenue Next Year-0.31%
Revenue Next 2Y2.58%
Revenue Next 3Y2.53%
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.
Can you provide the valuation status for SWISS RE AG?
ChartMill assigns a valuation rating of 5 / 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 6 / 10.
What is the valuation of SWISS RE AG based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SWISS RE AG (SR9.DE) is 15.53 and the Price/Book (PB) ratio is 2.37.
How financially healthy is SWISS RE AG?
The financial health rating of SWISS RE AG (SR9.DE) is 3 / 10.