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Baloise Holding AG (CH:BALN)
:BALN
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Baloise Holding AG (BALN) AI Stock Analysis

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CH:BALN

Baloise Holding AG

(BALN)

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Neutral 64 (OpenAI - 4o)
Rating:64Neutral
Price Target:
CHF213.00
▲(9.23% Upside)
Baloise Holding AG's overall stock score is driven by strong earnings call results, highlighting effective strategic execution and significant upcoming corporate developments like the merger with Helvetia. However, financial performance challenges and bearish technical indicators weigh on the score, along with a moderate valuation.

Baloise Holding AG (BALN) vs. iShares MSCI Switzerland ETF (EWL)

Baloise Holding AG Business Overview & Revenue Model

Company DescriptionBâloise 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 MoneyBaloise 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 Earnings Call Summary

Earnings Call Date:Mar 25, 2025
(Q2-2025)
|
% Change Since: |
Next Earnings Date:Sep 10, 2025
Earnings Call Sentiment Positive
The earnings call presented strong financial results and effective execution of the refocusing strategy, offset by challenges in the Life segment and increased costs related to strategic initiatives. The planned merger with Helvetia is a significant positive development.
Q2-2025 Updates
Positive Updates
Strong Financial Performance
Net profit increased by 26% to CHF 276 million, with improvements in Non-life and Asset Management & Banking. The combined ratio improved by 2.6 percentage points to 90.6%, and return on equity rose to 15.5%.
Successful Strategic Execution
The refocusing strategy is on track, including a targeted reduction of 250 FTEs by 2027, with over 50% achieved in the first year.
Growth in Key Segments
Investment type premiums rose sharply by 41.2%, driven by Luxembourg and Belgium. Growth in Non-life was 3.1% in local currency, excluding portfolio exits in Belgium.
Planned Merger with Helvetia
Preparation for the merger is proceeding as planned, with expectations to complete the transaction by Q4 2025. The merger aims to create a leading insurance company in Europe.
Negative Updates
Challenges in Life Segment
There was a decline of 10.1% in Life premiums, reflecting a trend towards semi-autonomous solutions in Swiss group life.
Decreased EBIT in Belgium
EBIT in Belgium decreased due to a focus on profitability over growth, with a significant exit from the transport business.
Higher Costs in Other EBIT Line
The other EBIT line was more negative than the historical average due to costs associated with the refocusing strategy and the planned merger.
Company Guidance
In the Baloise Group's conference call discussing their half-year results for 2025, several key metrics and strategic initiatives were highlighted. The company reported a notable improvement in its combined ratio by 2.6 percentage points and a 26% increase in net profit, reaching CHF 276 million. Return on equity rose to 15.5%, surpassing the previous year's 13%. The company is actively implementing a refocusing strategy, which includes a reduction of 250 full-time equivalents (FTEs) by 2027, with over 50% of this target already achieved. The Non-life segment saw growth of 3.1% in local currency, with the combined ratio improving to 90.6%. Investment-type premiums increased by 41.2%, while the Life segment experienced a 10.1% decline, reflecting a shift towards semi-autonomous solutions. Baloise's capitalization remains strong, with an estimated SST ratio of around 215% and an A+ rating confirmed by Standard & Poor's. Additionally, the company is preparing for a merger with Helvetia, which is expected to be completed by the end of the fourth quarter, with financial targets to be discussed at the Capital Markets Day next year.

Baloise Holding AG Financial Statement Overview

Summary
Baloise Holding AG demonstrates a solid cash flow position, providing a buffer against income volatility and balance sheet leverage. However, declining revenue and profitability margins pose challenges that need addressing to improve overall financial health and shareholder value.
Income Statement
65
Positive
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
58
Neutral
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
72
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue8.26B6.36B6.96B5.98B10.08B8.58B
Gross Profit2.61B6.36B7.04B5.98B10.08B8.58B
EBITDA489.20M618.90M445.00M440.40M838.20M660.20M
Net Income440.90M384.80M239.60M548.00M588.40M434.30M
Balance Sheet
Total Assets78.23B79.98B77.87B77.99B89.16B87.69B
Cash, Cash Equivalents and Short-Term Investments2.90B9.37B2.80B9.46B3.85B3.90B
Total Debt0.005.75B5.25B2.61B5.25B4.82B
Total Liabilities75.34B76.34B74.61B74.58B81.86B80.70B
Stockholders Equity3.04B3.63B3.25B3.41B7.29B6.98B
Cash Flow
Free Cash Flow808.40M57.70M439.20M-199.10M2.71B383.00M
Operating Cash Flow829.50M122.60M495.50M-153.20M2.76B454.30M
Investing Cash Flow23.40M-62.50M-191.60M-329.80M-2.41B-27.20M
Financing Cash Flow-531.00M-347.80M-596.90M-135.10M-213.40M-394.80M

Baloise Holding AG Technical Analysis

Technical Analysis Sentiment
Negative
Last Price195.00
Price Trends
50DMA
203.00
Negative
100DMA
196.78
Negative
200DMA
181.35
Positive
Market Momentum
MACD
-2.23
Positive
RSI
33.87
Neutral
STOCH
17.39
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:BALN, the sentiment is Negative. The current price of 195 is below the 20-day moving average (MA) of 200.10, below the 50-day MA of 203.00, and above the 200-day MA of 181.35, indicating a neutral trend. The MACD of -2.23 indicates Positive momentum. The RSI at 33.87 is Neutral, neither overbought nor oversold. The STOCH value of 17.39 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:BALN.

Baloise Holding AG Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
78.51B15.5922.83%5.06%-7.33%17.93%
74
Outperform
38.13B12.8514.03%4.19%-4.94%
73
Outperform
1.80B11.935.77%3.94%-1.58%4.07%
64
Neutral
23.67B20.0416.14%4.21%-1.65%9.88%
64
Neutral
CHF8.92B20.394.15%-9.11%
56
Neutral
10.41B19.0211.65%3.46%-1.57%95.56%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CH:BALN
Baloise Holding AG
195.00
30.57
18.59%
CH:HELN
Helvetia Holding AG
193.60
52.88
37.58%
SWSDF
Swiss Life Holding AG
1,052.58
249.70
31.10%
ZFSVF
Zurich Insurance Group
715.00
148.14
26.13%
SSREF
Swiss Re AG
178.18
44.86
33.65%
DE:VAHB
Vaudoise Assurances Holding SA
652.00
225.08
52.72%

Baloise Holding AG Corporate Events

Baloise and Helvetia Secure Key Approvals for December 2025 Merger
Sep 12, 2025

Baloise Holding AG and Helvetia have received further regulatory approvals for their planned merger, including clearance from the Swiss Competition Commission and the European Commission’s review of the Foreign Subsidies Regulation. The merger is set to be completed on December 5, 2025, pending final regulatory approvals, with Baloise shares to be delisted and new Helvetia Baloise shares expected to trade on December 8, 2025. This merger marks a significant step in consolidating their market position and enhancing their service offerings, benefiting stakeholders by potentially increasing operational efficiencies and market reach.

The most recent analyst rating on (CH:BALN) stock is a Hold with a CHF218.00 price target. To see the full list of analyst forecasts on Baloise Holding AG stock, see the CH:BALN Stock Forecast page.

Baloise Reports Strong First Semester 2025 with Strategic Gains
Sep 10, 2025

Baloise in Switzerland reported a successful first semester of 2025, driven by its refocusing strategy that improved operational strength and profitability in both its insurance and banking sectors. The company achieved a significant improvement in its claims-cost ratio and increased its EBIT contribution, while the banking sector saw enhanced efficiency and a reduced cost-income ratio. Strategic personnel changes and the planned merger with Helvetia are expected to further consolidate Baloise’s market position in Switzerland, opening new growth opportunities and reaffirming its medium-term goals.

The most recent analyst rating on (CH:BALN) stock is a Buy with a CHF232.60 price target. To see the full list of analyst forecasts on Baloise Holding AG stock, see the CH:BALN Stock Forecast page.

Baloise Reports Strong Half-Year Results Amid Strategic Refocus
Sep 10, 2025

Baloise Holding AG reported strong half-year results for 2025, with a significant increase in shareholder profit by 25.5% to CHF 275.9 million, driven by a robust non-life business and improved financial results. The company is successfully implementing its refocusing strategy, maintaining a stable business volume, and achieving a strong return on equity of 15.5%. Despite challenges such as the rockfall in Blatten, Baloise demonstrated its commitment to social responsibility by providing swift assistance, highlighting the importance of its insurance services.

The most recent analyst rating on (CH:BALN) stock is a Buy with a CHF232.60 price target. To see the full list of analyst forecasts on Baloise Holding AG stock, see the CH:BALN Stock Forecast page.

S&P Reaffirms Baloise’s Strong ‘A+’ Rating Amid Potential Merger
Jun 24, 2025

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.

The most recent analyst rating on (CH:BALN) stock is a Hold with a CHF159.00 price target. To see the full list of analyst forecasts on Baloise Holding AG stock, see the CH:BALN Stock Forecast page.

Baloise Art Prize 2025: Celebrating Artistic Innovation and Cultural Engagement
Jun 17, 2025

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.

The most recent analyst rating on (CH:BALN) stock is a Hold with a CHF159.00 price target. To see the full list of analyst forecasts on Baloise Holding AG stock, see the CH:BALN Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 17, 2025