Baloise Holding AG (BALN) AI Stock Analysis

• Market Cap: CHF9.36B
• Dividend Yield: 3.91%
• Average Volume (3M): 53.33K
• Price to Earnings (P/E): 24.5
• Beta (1Y): 0.61
• Revenue Growth: -4.03%
• EPS Growth: 60.24%
• Country: CH
• Employees: 7,693
• Sector: Financial
• Sector Strength: 76
• Industry: Insurance - Diversified
• EPS (TTM): 2.90
• Shares Outstanding: 45,800,000
• 10 Day Avg. Volume: 53,156
• 30 Day Avg. Volume: 53,332
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: CHF215.87
• Price Target Upside: 4.08% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 65 Neutral
• Price Target: CHF200.00 ▼(-3.57% Downside)

Baloise Holding AG's stock score is mainly influenced by its solid cash flow management, which provides a buffer against financial volatility. However, declining revenue and profitability margins are key challenges. The technical indicators suggest a neutral to bearish trend, with limited upward momentum. The stock's valuation is supported by a reasonable P/E ratio and attractive dividend yield, offering income potential to investors.

Baloise Holding AG Business Overview & Revenue Model

Company Description

Bâloise Holding AG, together with its subsidiaries, primarily engages in the insurance and banking businesses in Switzerland, Germany, Belgium, Luxembourg. It operates through Non-Life, Life, Asset Management & Banking, and Other Activities segments. The company offers various non-life insurance products, including accident, health, general liability, motor, fire and other property, marine, credit protection, and legal expenses insurance. It also provides life insurance products, which include endowment policies, such as conventional and unit-linked life insurance; group life insurance products; term insurance; immediate and deferred annuities; and policy riders, including premium waiver, accidental death, and disability. In addition, the company operates Baloise Bank SoBa, a bank in Switzerland; and offers asset management services. Further, it has interests in equity investment companies, real-estate firms, and financing companies. The company sells its products and services to individuals, small and medium sized enterprises, and industrial clients. Bâloise Holding AG was founded in 1863 and is headquartered in Basel, Switzerland.

How the Company Makes Money

Baloise Holding AG generates revenue primarily through insurance premiums collected from its policyholders. The company offers a diverse portfolio of insurance products, including life insurance, property and casualty insurance, and health insurance, which are key revenue streams. Additionally, Baloise earns income from investment activities, as it invests the premiums received in various financial instruments to generate returns. The firm also benefits from fee-based income from asset management services provided to clients. Significant partnerships with financial institutions and strategic alliances enhance Baloise's distribution capabilities and broaden its market reach, contributing positively to its overall earnings.

Baloise Holding AG Financial Statement Overview

Summary

Baloise Holding AG demonstrates solid cash flow management, providing resilience against income volatility and leverage. However, challenges in declining revenue and profitability margins need to be addressed for improved financial health.

Income Statement

Baloise Holding AG shows a fluctuating revenue trend, with revenue decreasing from 2019 to 2024. Despite a challenging EBIT position with a significant loss in 2022, the net profit margin remains positive but has been declining recently. The EBITDA margin has shown slight improvement in the latest year, indicating some operational efficiency.

Balance Sheet

The company has maintained a relatively stable debt-to-equity ratio, but the leverage is slightly high for the industry. The equity ratio has declined over the years, reflecting increased liabilities. The return on equity has seen a downward trend, highlighting potential challenges in generating returns for shareholders.

Cash Flow

Baloise Holding AG's cash flow statement indicates stable cash management with a positive free cash flow in the latest year, showing resilience in cash generation. Operating cash flow to net income ratio is strong, although free cash flow growth has faced some volatility.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	6.36B	6.96B	5.98B	10.08B	8.58B
Gross Profit	6.36B	7.04B	5.98B	10.08B	8.58B
EBITDA	618.90M	445.00M	440.40M	838.20M	660.20M
Net Income	384.80M	239.60M	548.00M	588.40M	434.30M
Balance Sheet
Total Assets	79.98B	77.87B	77.99B	89.16B	87.69B
Cash, Cash Equivalents and Short-Term Investments	9.37B	2.80B	9.46B	3.85B	3.90B
Total Debt	5.75B	5.25B	2.61B	5.25B	4.82B
Total Liabilities	76.34B	74.61B	74.58B	81.86B	80.70B
Stockholders Equity	3.63B	3.25B	3.41B	7.29B	6.98B
Cash Flow
Free Cash Flow	57.70M	439.20M	-199.10M	2.71B	383.00M
Operating Cash Flow	122.60M	495.50M	-153.20M	2.76B	454.30M
Investing Cash Flow	726.20M	-191.60M	-329.80M	-2.41B	-27.20M
Financing Cash Flow	-347.80M	-596.90M	-135.10M	-213.40M	-394.80M

Baloise Holding AG Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 207.40
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:BALN, the sentiment is Neutral. The current price of 207.4 is below the 20-day moving average (MA) of 209.98, above the 50-day MA of 199.62, and above the 200-day MA of 177.49, indicating a neutral trend. The MACD of 3.31 indicates Positive momentum. The RSI at 50.91 is Neutral, neither overbought nor oversold. The STOCH value of 12.11 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CH:BALN.

Baloise Holding AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.89B	11.95	10.28%	3.72%	9.74%	1.61%
HELN	66 Neutral	CHF10.91B	22.90		3.26%	11.93%	70.26%
BALN	65 Neutral	CHF9.36B	24.47		3.91%	-4.03%	60.24%
SWSDF	―	$30.06B	22.68	16.43%	4.07%	―	―
ZFSVF	―	$103.49B	18.00	23.97%	4.64%	―	―
SSREF	―	$49.17B	14.39	17.22%	4.06%	―	―
VAHB	―	€1.95B	12.36	6.06%	―	―	―

Baloise Holding AG Corporate Events

S&P Reaffirms Baloise’s Strong ‘A+’ Rating Amid Potential Merger

S&P Global Ratings has reaffirmed Baloise Group’s ‘A+’ rating with a stable outlook, highlighting the company’s solid financial foundation and capital strength. The potential merger with Helvetia could lead to a positive rating adjustment, enhancing Baloise’s competitive position and financial risk profile.

Baloise Art Prize 2025: Celebrating Artistic Innovation and Cultural Engagement

Baloise Holding AG announced the winners of the 26th Baloise Art Prize at Art Basel 2025, awarding CHF 30,000 to Joyce Joumaa and Rhea Dillon. The company also acquired their works for donation to major European museums. Joumaa’s installation highlights Lebanon’s energy crisis, while Dillon’s sculptures explore Caribbean and British identity entanglements. This initiative enhances Baloise’s cultural engagement and strengthens its reputation in supporting contemporary art.

Baloise and Helvetia Merge to Form Leading European Insurer

Baloise and Helvetia shareholders have approved a merger to form Helvetia Baloise Holding AG, positioning it as the second-largest insurance group in Switzerland and a leading European insurer. This strategic merger, expected to complete in the fourth quarter of 2025 pending regulatory approvals, aims to enhance competitiveness and create sustainable value, with Thomas von Planta elected as the future chairman.

Baloise Achieves Strong Growth in Occupational Pension Solutions

Baloise reported a successful year for its occupational pension solutions, particularly highlighting the strong performance of its semi-autonomous solution ‘Perspectiva,’ which achieved a performance of over 9% and added over 500 new connections. Despite geopolitical tensions and a challenging market environment, Baloise maintained a solid financial position with a profit increase of 10% and a net capital income of CHF 286 million. The company remains committed to addressing the challenges in the pension system and providing innovative solutions to ensure stability and security for its customers.