Swiss Life Holding AG Fundamental Analysis (SIX: SLHN.SW)
Swiss Life Holding AG Fundamental Analysis (SIX: SLHN.SW)
Swiss Life Holding AG (SIX: SLHN.SW) shows moderate financial fundamentals with a PE ratio of 20.02, profit margin of 6.44%, and ROE of 19.32%. The company generates $20.1B in annual revenue with moderate year-over-year growth of 5.44%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 44.6/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SLHN.SW's fundamental strength across five key dimensions:
Efficiency Score
WeakSLHN.SW struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSLHN.SW trades at attractive valuation levels.
Growth Score
ModerateSLHN.SW shows steady but slowing expansion.
Financial Health Score
WeakSLHN.SW carries high financial risk with limited liquidity.
Profitability Score
ModerateSLHN.SW maintains healthy but balanced margins.
Key Financial Metrics
Is SLHN.SW Expensive or Cheap?
P/E Ratio
SLHN.SW trades at 20.02 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, SLHN.SW's PEG of 0.43 indicates potential undervaluation.
Price to Book
The market values Swiss Life Holding AG at 4.09 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 7.23 times EBITDA. This is generally considered low.
How Well Does SLHN.SW Make Money?
Net Profit Margin
For every $100 in sales, Swiss Life Holding AG keeps $6.44 as profit after all expenses.
Operating Margin
Core operations generate 8.66 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $19.32 in profit for every $100 of shareholder equity.
ROA
Swiss Life Holding AG generates $0.57 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Swiss Life Holding AG generates limited operating cash flow of $1.89B, signaling weaker underlying cash strength.
Free Cash Flow
Swiss Life Holding AG produces free cash flow of $1.80B, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $64.48 in free cash annually.
FCF Yield
SLHN.SW converts 6.97% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
20.02
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.43
vs 25 benchmark
P/B Ratio
Price to book value ratio
4.09
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.29
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.58
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.008
vs 25 benchmark
How SLHN.SW Stacks Against Its Sector Peers
| Metric | SLHN.SW Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 20.02 | 20.75 | Neutral |
| ROE | 19.32% | 644.00% | Weak |
| Net Margin | 6.44% | -1529.00% (disorted) | Weak |
| Debt/Equity | 2.58 | 0.88 | Weak (High Leverage) |
| Current Ratio | 0.00 | 830.27 | Weak Liquidity |
| ROA | 0.57% | -577.00% (disorted) | Weak |
SLHN.SW outperforms its industry in 0 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Swiss Life Holding AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-24.30%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
31.26%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
519.93%
Industry Style: Value, Dividend, Cyclical
High Growth