SWISS RE AG (SR9.DE) Stock Fundamental Analysis
Europe - FRA:SR9 - CH0126881561 - Common Stock
163.4 EUR
+1.9 (+1.18%)
SR9 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 43 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 has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year SR9 was profitable.
SR9 had a positive operating cash flow in the past year.
Of the past 5 years SR9 4 years were profitable.
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 84.62% of the companies in the same industry.
SR9 has a better Return On Equity (15.53%) than 64.10% of its industry peers.
SR9's Return On Invested Capital of 2.77% is amongst the best of the industry. SR9 outperforms 82.05% of its industry peers.
SR9 had an Average Return On Invested Capital over the past 3 years of 2.05%. This is in line with the industry average of 2.22%.
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 Profit Margin (8.36%) which is comparable to the rest of the industry.
SR9's Profit Margin has improved in the last couple of years.
SR9 has a Operating Margin (10.51%) which is in line with its industry peers.
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.
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.
A Debt/Equity ratio of 0.35 indicates that SR9 is not too dependend on debt financing.
SR9 has a better Debt to Equity ratio (0.35) 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.
The Earnings Per Share has been growing by 33.96% on average over the past years. This is a very strong growth
Looking at the last year, SR9 shows a small growth in Revenue. The Revenue has grown by 1.44% in the last 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
The Earnings Per Share is expected to grow by 7.90% on average over the next years.
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
The Price/Earnings ratio is 15.55, which indicates a correct valuation of SR9.
SR9's Price/Earnings ratio is a bit more expensive when compared to the industry. SR9 is more expensive than 66.67% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.89. SR9 is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 11.03, the valuation of SR9 can be described as reasonable.
SR9's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.99. SR9 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.55 | ||
| Fwd PE | 11.03 |
4.2 Price Multiples
SR9's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.65 | ||
| 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 20.79% in the coming years.
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 4.02%, SR9 is a good candidate for dividend investing.
SR9's Dividend Yield is slightly below the industry average, which is at 4.57.
SR9's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.02% |
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.
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 (10/24/2025, 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 | 4.02% |
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)0.37%
PT rev (3m)0.06%
EPS NQ rev (1m)12.53%
EPS NQ rev (3m)0.76%
EPS NY rev (1m)0%
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 | 15.55 | ||
| Fwd PE | 11.03 | ||
| P/S | 1.28 | ||
| P/FCF | 15.65 | ||
| P/OCF | 15.65 | ||
| P/B | 2.37 | ||
| P/tB | 2.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.51
EY6.43%
EPS(NY)14.81
Fwd EY9.07%
FCF(TTM)10.44
FCFY6.39%
OCF(TTM)10.44
OCFY6.39%
SpS128.14
BVpS68.96
TBVpS57.32
PEG (NY)0.25
PEG (5Y)0.46
Graham Number127.7
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 15.55 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.