SWISS RE AG (SR9.DE) Stock Fundamental Analysis
Europe - FRA:SR9 - CH0126881561 - Common Stock
156.55 EUR
-0.75 (-0.48%)
SR9 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 40 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 not valued too expensively and it also shows a decent growth rate.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.75%, SR9 belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.53%, SR9 is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
SR9's Return On Invested Capital of 2.77% is amongst the best of the industry. SR9 outperforms 82.50% 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 2.35%.
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
With a Profit Margin value of 8.36%, SR9 is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of SR9 has grown nicely.
With a Operating Margin value of 10.51%, SR9 is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
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
SR9 has more shares outstanding than it did 1 year ago.
SR9 has more shares outstanding than it did 5 years ago.
SR9 has a better debt/assets ratio than last year.
2.2 Solvency
SR9 has a debt to FCF ratio of 2.64. This is a good value and a sign of high solvency as SR9 would need 2.64 years to pay back of 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 60.00% of the companies in the same industry.
A Debt/Equity ratio of 0.35 indicates that SR9 is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.35, SR9 is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
| 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.
SR9 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 33.96% yearly.
SR9 shows a small growth in Revenue. In the last year, the Revenue has grown by 1.44%.
SR9 shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.49% yearly.
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
The Earnings Per Share is expected to grow by 11.01% on average over the next years. This is quite good.
Based on estimates for the next years, SR9 will show a small growth in Revenue. The Revenue will grow by 4.82% on average per year.
EPS Next Y61.66%
EPS Next 2Y29.17%
EPS Next 3Y20.79%
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
SR9 is valuated correctly with a Price/Earnings ratio of 15.08.
Based on the Price/Earnings ratio, SR9 is valued a bit more expensive than the industry average as 67.50% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.86. SR9 is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 10.70 indicates a reasonable valuation of SR9.
SR9's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of SR9 to the average of the S&P500 Index (23.29), we can say SR9 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.08 | ||
| Fwd PE | 10.7 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SR9 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SR9 has a very decent profitability rating, which 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)0.24
PEG (5Y)0.44
EPS Next 2Y29.17%
EPS Next 3Y20.79%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.23%, SR9 is a good candidate for dividend investing.
SR9's Dividend Yield is slightly below the industry average, which is at 4.62.
Compared to an average S&P500 Dividend Yield of 2.41, SR9 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.23% |
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.
SR9's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP58.32%
EPS Next 2Y29.17%
EPS Next 3Y20.79%
FRA:SR9 (10/1/2025, 7:00:00 PM)
156.55
-0.75 (-0.48%)
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 Cap46.77B
Analysts71.67
Price Target158.04 (0.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.23% |
Yearly Dividend5.8
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)-0.14%
PT rev (3m)-0.16%
EPS NQ rev (1m)4.17%
EPS NQ rev (3m)3.79%
EPS NY rev (1m)0.93%
EPS NY rev (3m)7.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-10.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.08 | ||
| Fwd PE | 10.7 | ||
| P/S | 1.24 | ||
| P/FCF | 15.18 | ||
| P/OCF | 15.18 | ||
| P/B | 2.3 | ||
| P/tB | 2.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.38
EY6.63%
EPS(NY)14.64
Fwd EY9.35%
FCF(TTM)10.31
FCFY6.59%
OCF(TTM)10.31
OCFY6.59%
SpS126.59
BVpS68.13
TBVpS56.63
PEG (NY)0.24
PEG (5Y)0.44
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 Y61.66%
EPS Next 2Y29.17%
EPS Next 3Y20.79%
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 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%