Swiss Life Holding AG
Swiss Life Holding AG Fundamental Analysis
Swiss Life Holding AG (SZLMY) shows weak financial fundamentals with a PE ratio of 21.24, profit margin of 9.67%, and ROE of 16.45%. The company generates $12.2B in annual revenue with weak year-over-year growth of -5.30%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 27.6/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SZLMY's fundamental strength across five key dimensions:
Efficiency Score
WeakSZLMY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSZLMY trades at attractive valuation levels.
Growth Score
ModerateSZLMY shows steady but slowing expansion.
Financial Health Score
WeakSZLMY carries high financial risk with limited liquidity.
Profitability Score
ModerateSZLMY maintains healthy but balanced margins.
Key Financial Metrics
Is SZLMY Expensive or Cheap?
P/E Ratio
SZLMY trades at 21.24 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, SZLMY's PEG of -12.78 indicates potential undervaluation.
Price to Book
The market values Swiss Life Holding AG at 3.67 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 18.20 times EBITDA. This signals the market has high growth expectations.
How Well Does SZLMY Make Money?
Net Profit Margin
For every $100 in sales, Swiss Life Holding AG keeps $9.67 as profit after all expenses.
Operating Margin
Core operations generate 20.93 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $16.45 in profit for every $100 of shareholder equity.
ROA
Swiss Life Holding AG generates $0.55 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Swiss Life Holding AG produces operating cash flow of $1.70B, showing steady but balanced cash generation.
Free Cash Flow
Swiss Life Holding AG generates strong free cash flow of $1.58B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.77 in free cash annually.
FCF Yield
SZLMY converts 6.30% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
21.24
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-12.78
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.67
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.06
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.50
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.16
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How SZLMY Stacks Against Its Sector Peers
| Metric | SZLMY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 21.24 | 18.73 | Worse (Expensive) |
| ROE | 16.45% | 847.00% | Weak |
| Net Margin | 9.67% | 2562.00% | Weak |
| Debt/Equity | 1.50 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 0.55% | -21692.00% (disorted) | Weak |
SZLMY outperforms its industry in 0 out of 6 key metrics, but lagging in P/E Ratio.
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
-34.90%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
15.91%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-89.54%
Industry Style: Value, Dividend, Cyclical
Declining