Bâloise Holding AG
Bâloise Holding AG Fundamental Analysis
Bâloise Holding AG (BALN.SW) shows weak financial fundamentals with a PE ratio of 20.39, profit margin of 5.34%, and ROE of 13.22%. The company generates $8.3B in annual revenue with weak year-over-year growth of -8.59%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 53.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BALN.SW's fundamental strength across five key dimensions:
Efficiency Score
WeakBALN.SW struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBALN.SW trades at attractive valuation levels.
Growth Score
ModerateBALN.SW shows steady but slowing expansion.
Financial Health Score
ExcellentBALN.SW maintains a strong and stable balance sheet.
Profitability Score
WeakBALN.SW struggles to sustain strong margins.
Key Financial Metrics
Is BALN.SW Expensive or Cheap?
P/E Ratio
BALN.SW trades at 20.39 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, BALN.SW's PEG of 1.39 indicates fair valuation.
Price to Book
The market values Bâloise Holding AG at 2.96 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 24.30 times EBITDA. This signals the market has high growth expectations.
How Well Does BALN.SW Make Money?
Net Profit Margin
For every $100 in sales, Bâloise Holding AG keeps $5.34 as profit after all expenses.
Operating Margin
Core operations generate 5.09 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.22 in profit for every $100 of shareholder equity.
ROA
Bâloise Holding AG generates $0.56 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bâloise Holding AG produces operating cash flow of $829.56M, showing steady but balanced cash generation.
Free Cash Flow
Bâloise Holding AG produces free cash flow of $808.46M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $17.80 in free cash annually.
FCF Yield
BALN.SW converts 8.99% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
20.39
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.39
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.96
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.09
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
5.48
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.005
vs 25 benchmark
How BALN.SW Stacks Against Its Sector Peers
| Metric | BALN.SW Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 20.39 | 18.66 | Neutral |
| ROE | 13.22% | 806.00% | Weak |
| Net Margin | 5.34% | -451.00% (disorted) | Weak |
| Debt/Equity | 0.00 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 5.48 | 662.02 | Strong Liquidity |
| ROA | 0.56% | -24409.00% (disorted) | Weak |
BALN.SW outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bâloise Holding AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-40.94%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-43.56%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-90.86%
Industry Style: Value, Dividend, Cyclical
Declining