SWISS RE AG (SR9.DE) Stock Fundamental Analysis
FRA:SR9 - CH0126881561 - Common Stock
151.65 EUR
+1.05 (+0.7%)
Taking everything into account, SR9 scores 4 out of 10 in our fundamental rating. SR9 was compared to 38 industry peers in the Insurance industry. There are concerns on the financial health of SR9 while its profitability can be described as average. SR9 is not valued too expensively and it also shows a decent growth rate. Finally SR9 also has an excellent dividend rating.
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.
SR9 had positive earnings in 4 of the past 5 years.
SR9 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SR9's Return On Assets of 2.75% is amongst the best of the industry. SR9 outperforms 84.21% of its industry peers.
SR9 has a better Return On Equity (15.53%) than 60.53% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.77%, SR9 belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for SR9 is in line with the industry average of 2.28%.
The last Return On Invested Capital (2.77%) for SR9 is above the 3 year average (2.05%), which is a sign of increasing profitability.
| 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 worse Profit Margin (8.36%) than 63.16% of its industry peers.
In the last couple of years the Profit Margin of SR9 has grown nicely.
Looking at the Operating Margin, with a value of 10.51%, SR9 is doing worse than 60.53% of the companies in the same industry.
SR9's Operating Margin has improved in the last couple of years.
| 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
Compared to 1 year ago, SR9 has more shares outstanding
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.
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.
Looking at the Debt to FCF ratio, with a value of 2.64, SR9 is in line with its industry, outperforming 55.26% of the companies in the same industry.
SR9 has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
SR9's Debt to Equity ratio of 0.35 is fine compared to the rest of the industry. SR9 outperforms 78.95% 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.
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 1.44%.
The Revenue has been decreasing by -1.49% on average over the past years.
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
SR9 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.01% yearly.
The Revenue is expected to grow by 4.82% on average over the next years.
EPS Next Y60.17%
EPS Next 2Y29.49%
EPS Next 3Y21.13%
EPS Next 5Y11.01%
Revenue Next Year-1.84%
Revenue Next 2Y1.97%
Revenue Next 3Y1.84%
Revenue Next 5Y4.82%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.58 indicates a correct valuation of SR9.
Compared to the rest of the industry, the Price/Earnings ratio of SR9 indicates a slightly more expensive valuation: SR9 is more expensive than 68.42% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.02, SR9 is valued a bit cheaper.
The Price/Forward Earnings ratio is 10.29, which indicates a very decent valuation of SR9.
The rest of the industry has a similar Price/Forward Earnings ratio as SR9.
The average S&P500 Price/Forward Earnings ratio is at 22.66. SR9 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.58 | ||
| Fwd PE | 10.29 |
4.2 Price Multiples
SR9's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.67 | ||
| 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.
A more expensive valuation may be justified as SR9's earnings are expected to grow with 21.13% in the coming years.
PEG (NY)0.24
PEG (5Y)0.43
EPS Next 2Y29.49%
EPS Next 3Y21.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.21%, SR9 is a good candidate for dividend investing.
SR9's Dividend Yield is comparable with the industry average which is at 4.48.
SR9's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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
58.32% of the earnings are spent on dividend by SR9. 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 2Y29.49%
EPS Next 3Y21.13%
FRA:SR9 (9/8/2025, 7:00:00 PM)
151.65
+1.05 (+0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners36.41%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap45.31B
Analysts71.67
Price Target158.04 (4.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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)-0.31%
PT rev (3m)-3.06%
EPS NQ rev (1m)-7.52%
EPS NQ rev (3m)-0.36%
EPS NY rev (1m)6.57%
EPS NY rev (3m)6.57%
Revenue NQ rev (1m)-0.87%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.89%
Revenue NY rev (3m)-10.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.58 | ||
| Fwd PE | 10.29 | ||
| P/S | 1.2 | ||
| P/FCF | 14.67 | ||
| P/OCF | 14.67 | ||
| P/B | 2.22 | ||
| P/tB | 2.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.4
EY6.86%
EPS(NY)14.74
Fwd EY9.72%
FCF(TTM)10.34
FCFY6.82%
OCF(TTM)10.34
OCFY6.82%
SpS126.87
BVpS68.28
TBVpS56.76
PEG (NY)0.24
PEG (5Y)0.43
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
ROICexcg growth 3Y50.76%
ROICexcg 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 Y60.17%
EPS Next 2Y29.49%
EPS Next 3Y21.13%
EPS Next 5Y11.01%
Revenue 1Y (TTM)1.44%
Revenue growth 3Y-0.54%
Revenue growth 5Y-1.49%
Sales Q2Q%-52.36%
Revenue Next Year-1.84%
Revenue Next 2Y1.97%
Revenue Next 3Y1.84%
Revenue Next 5Y4.82%
EBIT growth 1Y3.78%
EBIT growth 3Y37.53%
EBIT growth 5Y34.43%
EBIT Next Year46.16%
EBIT Next 3Y15.17%
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%