Swiss Life Holding AG SWSDF

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1,174.68 USD +61.68 +5.54%

At close · Oct 29

1,070.00 Day range 1,070.00
1,037.20 52-week range 1,223.37
YTD
-3.98%
1 year
+12.74%
Open
1,070.00
Prev close
1,113.00
Mkt cap
32.83B
Vol
1
Avg vol
8
EPS
57.86
P/E
20.30
More statistics
Low
1,070.00
High
1,070.00

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Financial health

Altman Z-Score

0.26 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 22.2×
FY 2016: 9.9×FY 2017: 11.0×FY 2018: 11.9×FY 2019: 13.3×FY 2020: 12.4×FY 2021: 14.0×FY 2022: 12.2×FY 2023: 15.3×FY 2024: 15.7×FY 2025: 22.2×
FY 2016 5y median 15.3× FY 2025
P/S 1.6×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 1.3×FY 2023: 1.5×FY 2024: 1.3×FY 2025: 1.6×
FY 2016 5y median 1.3× FY 2025
P/B 3.9×
FY 2016: 0.7×FY 2017: 0.7×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 1.6×FY 2023: 2.2×FY 2024: 2.6×FY 2025: 3.9×
FY 2016 5y median 2.2× FY 2025
P/FCF 11.1×
FY 2016: 4.9×FY 2017: 10.8×FY 2018: 11.7×FY 2019: 7.6×FY 2020: 30.8×FY 2021: 84.3×FY 2022: 9.4×FY 2023: 21.0×FY 2024: 253×FY 2025: 11.1×
FY 2016 5y median 21.0× FY 2025
EV/EBITDA 18.3×
FY 2016: 5.3×FY 2017: 5.9×FY 2018: 5.8×FY 2019: 6.9×FY 2020: 7.8×FY 2021: 7.0×FY 2022: 9.4×FY 2023: 10.8×FY 2024: 11.1×FY 2025: 18.3×
FY 2016 5y median 10.8× FY 2025
EV/Sales 2.1×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.7×FY 2022: 1.8×FY 2023: 1.8×FY 2024: 1.6×FY 2025: 2.1×
FY 2016 5y median 1.8× FY 2025
FCF Yield 9.0%
FY 2016: 20.4%FY 2017: 9.3%FY 2018: 8.5%FY 2019: 13.2%FY 2020: 3.2%FY 2021: 1.2%FY 2022: 10.6%FY 2023: 4.8%FY 2024: 0.4%FY 2025: 9.0%
FY 2016 5y median 4.8% FY 2025

Profitability

Gross Margin 101.8%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 101.8%
FY 2016 5y median 100.0% FY 2025
Operating Margin 9.4%
FY 2016: 7.1%FY 2017: 8.6%FY 2018: 8.4%FY 2019: 8.4%FY 2020: 6.8%FY 2021: 8.1%FY 2022: 16.4%FY 2023: 13.4%FY 2024: 11.3%FY 2025: 9.4%
FY 2016 5y median 11.3% FY 2025
Net Margin 6.9%
FY 2016: 4.7%FY 2017: 5.4%FY 2018: 5.4%FY 2019: 4.9%FY 2020: 4.8%FY 2021: 5.7%FY 2022: 11.1%FY 2023: 9.8%FY 2024: 8.4%FY 2025: 6.9%
FY 2016 5y median 8.4% FY 2025
ROE 17.4%
FY 2016: 6.8%FY 2017: 6.5%FY 2018: 7.2%FY 2019: 7.3%FY 2020: 6.1%FY 2021: 7.6%FY 2022: 13.0%FY 2023: 14.6%FY 2024: 16.1%FY 2025: 17.4%
FY 2016 5y median 14.6% FY 2025
ROIC 0.5%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.5%FY 2019: 0.6%FY 2020: 0.4%FY 2021: 0.5%FY 2022: 0.6%FY 2023: 0.4%FY 2024: 0.6%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025
ROA 0.5%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.5%FY 2019: 0.5%FY 2020: 0.4%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.5%FY 2024: 0.6%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 23.3%
FY 2016: -4.3%FY 2017: -5.1%FY 2018: 7.0%FY 2019: 21.3%FY 2020: -10.5%FY 2021: 1.4%FY 2022: -51.7%FY 2023: 4.7%FY 2024: 29.5%FY 2025: 23.3%
FY 2016 FY 2025
Operating Income 1.9%
FY 2016: 4.8%FY 2017: 15.9%FY 2018: 3.7%FY 2019: 21.2%FY 2020: -27.5%FY 2021: 21.1%FY 2022: -2.3%FY 2023: -14.1%FY 2024: 9.3%FY 2025: 1.9%
FY 2016 FY 2025
EPS (diluted) 2.9%
FY 2016: 5.5%FY 2017: 8.7%FY 2018: 6.3%FY 2019: 15.8%FY 2020: -10.2%FY 2021: 21.8%FY 2022: -3.3%FY 2023: -4.2%FY 2024: 14.2%FY 2025: 2.9%
FY 2016 FY 2025
Free Cash Flow 3181.8%
FY 2016: 369.9%FY 2017: -48.5%FY 2018: 7.0%FY 2019: 92.5%FY 2020: -80.0%FY 2021: -50.8%FY 2022: 632.9%FY 2023: -47.8%FY 2024: -90.4%FY 2025: 3181.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 6.0×FY 2017: 45.5×FY 2018: 44.9×FY 2019: 40.0×FY 2020: 45.9×FY 2021: 39.4×FY 2022: 27.7×FY 2023: 8.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 8.0× FY 2025
Quick Ratio 0.0×
FY 2016: 6.0×FY 2017: 45.3×FY 2018: 44.7×FY 2019: 39.8×FY 2020: 45.8×FY 2021: 39.3×FY 2022: 27.7×FY 2023: 6.3×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 6.3× FY 2025
Debt / Equity 2.0×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 1.2×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 2.0×
FY 2016 5y median 1.3× FY 2025
Net Debt / EBITDA 4.5×
FY 2016: -0.8×FY 2017: -0.7×FY 2018: -1.5×FY 2019: -0.6×FY 2020: 0.3×FY 2021: -1.4×FY 2022: 2.2×FY 2023: 1.9×FY 2024: 2.0×FY 2025: 4.5×
FY 2016 5y median 2.0× FY 2025
Interest Coverage 5.7×
FY 2016: 4.1×FY 2017: 5.4×FY 2018: 6.0×FY 2019: 7.0×FY 2020: 5.9×FY 2021: 6.1×FY 2022: 8.4×FY 2023: 3.6×FY 2024: 4.1×FY 2025: 5.7×
FY 2016 5y median 5.7× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 2.8%FY 2017: 3.2%FY 2018: 3.6%FY 2019: 3.4%FY 2020: 3.7%FY 2021: 3.7%FY 2022: 5.3%FY 2023: 5.3%FY 2024: 4.9%FY 2025: 3.6%
FY 2016 5y median 4.9% FY 2025
Payout Ratio 80.5%
FY 2016: 29.4%FY 2017: 35.4%FY 2018: 42.8%FY 2019: 45.6%FY 2020: 45.6%FY 2021: 52.4%FY 2022: 64.6%FY 2023: 80.2%FY 2024: 77.8%FY 2025: 80.5%
FY 2016 5y median 77.8% FY 2025

Annual · latest fiscal year ends 2025-12-31