SWISS RE AG (SR9.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SR9 - CH0126881561 - Common Stock
148.7 EUR
+0.7 (+0.47%)
SR9 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. There are concerns on the financial health of SR9 while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on SR9. 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.
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
The Return On Assets of SR9 (2.75%) is better than 81.40% of its industry peers.
SR9 has a Return On Equity of 15.53%. This is in the better half of the industry: SR9 outperforms 65.12% of its industry peers.
SR9 has a better Return On Invested Capital (2.77%) than 81.40% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SR9 is in line with the industry average of 2.44%.
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 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
Compared to 1 year ago, SR9 has more shares outstanding
Compared to 5 years ago, SR9 has more shares outstanding
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 the better half of the industry, outperforming 60.47% of the companies in the same industry.
A Debt/Equity ratio of 0.35 indicates that SR9 is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.35, SR9 belongs to the best of the industry, outperforming 83.72% 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
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
Looking at the last year, SR9 shows a small growth in Revenue. The Revenue has grown by 4.74% in the last year.
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
SR9 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.90% yearly.
Based on estimates for the next years, SR9 will show a small growth in Revenue. The Revenue will grow by 3.00% on average per year.
EPS Next Y66.69%
EPS Next 2Y29.43%
EPS Next 3Y20%
EPS Next 5Y7.9%
Revenue Next Year-3.92%
Revenue Next 2Y0.2%
Revenue Next 3Y1.36%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.81 indicates a reasonable valuation of SR9.
SR9's Price/Earnings ratio is rather cheap when compared to the industry. SR9 is cheaper than 86.05% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.47. SR9 is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.92, which indicates a very decent valuation of SR9.
Based on the Price/Forward Earnings ratio, SR9 is valued a bit cheaper than the industry average as 67.44% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of SR9 to the average of the S&P500 Index (34.42), we can say SR9 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.81 | ||
| Fwd PE | 9.92 |
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 | 14.13 | ||
| 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 20.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)0.29
EPS Next 2Y29.43%
EPS Next 3Y20%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.37%, SR9 is a good candidate for dividend investing.
SR9's Dividend Yield is comparable with the industry average which is at 4.53.
Compared to an average S&P500 Dividend Yield of 2.41, SR9 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.37% |
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 2Y29.43%
EPS Next 3Y20%
FRA:SR9 (11/21/2025, 7:00:00 PM)
148.7
+0.7 (+0.47%)
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 Cap44.43B
Revenue(TTM)45.26B
Net Income(TTM)3.72B
Analysts70
Price Target165.4 (11.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.37% |
Yearly Dividend5.88
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)4.27%
PT rev (3m)4.1%
EPS NQ rev (1m)-2.07%
EPS NQ rev (3m)6.16%
EPS NY rev (1m)3.11%
EPS NY rev (3m)10.91%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-0.8%
Revenue NY rev (1m)-3.63%
Revenue NY rev (3m)-3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.81 | ||
| Fwd PE | 9.92 | ||
| P/S | 1.15 | ||
| P/FCF | 14.13 | ||
| P/OCF | 14.13 | ||
| P/B | 2.14 | ||
| P/tB | 2.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)15.16
EY10.2%
EPS(NY)14.99
Fwd EY10.08%
FCF(TTM)10.52
FCFY7.08%
OCF(TTM)10.52
OCFY7.08%
SpS129.16
BVpS69.51
TBVpS57.78
PEG (NY)0.15
PEG (5Y)0.29
Graham Number153.99
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)88.86%
EPS 3Y31.5%
EPS 5Y33.96%
EPS Q2Q%1097.92%
EPS Next Y66.69%
EPS Next 2Y29.43%
EPS Next 3Y20%
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-3.92%
Revenue Next 2Y0.2%
Revenue Next 3Y1.36%
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 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 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 9.81 and the Price/Book (PB) ratio is 2.14.
How financially healthy is SWISS RE AG?
The financial health rating of SWISS RE AG (SR9.DE) is 3 / 10.