Swiss Re AG
Swiss Re AG Fundamental Analysis
Swiss Re AG (SSREF) shows moderate financial fundamentals with a PE ratio of 9.65, profit margin of 9.94%, and ROE of 21.00%. The company generates $48.6B in annual revenue with moderate year-over-year growth of 7.42%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 66.2/100 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 SSREF's fundamental strength across five key dimensions:
Efficiency Score
WeakSSREF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSSREF trades at attractive valuation levels.
Growth Score
ExcellentSSREF delivers strong and consistent growth momentum.
Financial Health Score
ModerateSSREF shows balanced financial health with some risks.
Profitability Score
ModerateSSREF maintains healthy but balanced margins.
Key Financial Metrics
Is SSREF Expensive or Cheap?
P/E Ratio
SSREF trades at 9.65 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SSREF's PEG of 0.06 indicates potential undervaluation.
Price to Book
The market values Swiss Re AG at 1.95 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.87 times EBITDA. This is generally considered low.
How Well Does SSREF Make Money?
Net Profit Margin
For every $100 in sales, Swiss Re AG keeps $9.94 as profit after all expenses.
Operating Margin
Core operations generate 12.86 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $21.00 in profit for every $100 of shareholder equity.
ROA
Swiss Re AG generates $3.72 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Swiss Re AG generates limited operating cash flow of $2.95B, signaling weaker underlying cash strength.
Free Cash Flow
Swiss Re AG produces free cash flow of $2.95B, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $10.01 in free cash annually.
FCF Yield
SSREF converts 6.53% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.65
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.95
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.93
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.36
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.21
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How SSREF Stacks Against Its Sector Peers
| Metric | SSREF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.65 | 18.99 | Better (Cheaper) |
| ROE | 21.00% | 812.00% | Weak |
| Net Margin | 9.94% | 1310.00% | Weak |
| Debt/Equity | 0.36 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 644.08 | Weak Liquidity |
| ROA | 3.72% | -21307.00% (disorted) | Weak |
SSREF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Swiss Re AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
11.33%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
648.77%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-43.09%
Industry Style: Value, Dividend, Cyclical
Declining