tiprankstipranks
Trending News
More News >
Helvetia Holding AG (CH:HELN)
:HELN
Advertisement

Helvetia Holding AG (HELN) AI Stock Analysis

Compare
4 Followers

Top Page

CH:HELN

Helvetia Holding AG

(HELN)

Rating:66Neutral
Price Target:
CHF207.00
▲(0.58% Upside)
The stock score is primarily driven by positive technical indicators and reasonable valuation, offset by moderate financial performance challenges. The company's financial health is stable but requires attention to profitability and cash flow to sustain growth.

Helvetia Holding AG (HELN) vs. iShares MSCI Switzerland ETF (EWL)

Helvetia Holding AG Business Overview & Revenue Model

Company DescriptionHelvetia Holding AG, through its subsidiaries, engages in life and non-life insurance, and reinsurance business in Switzerland, Germany, Austria, Spain, Italy, France, Liechtenstein, and internationally. It offers life insurance products in the areas of investment-linked, group life, and others; non-life insurance products in the areas of property, motor vehicle, health/accident, liability, and transport; and annuity insurance products and pension plans. The company was founded in 1858 and is headquartered in Sankt Gallen, Switzerland.
How the Company Makes MoneyHelvetia Holding AG generates revenue primarily through its insurance premiums collected from policyholders in various segments, including life insurance, property and casualty insurance, and health insurance. The company also earns income from investment activities, including returns on investments made with the premiums collected. Key revenue streams include underwriting results from insurance operations and investment income from a diversified portfolio of assets. Additionally, Helvetia may engage in strategic partnerships with other financial institutions and service providers, enhancing its product offerings and market reach, thereby contributing to its overall earnings.

Helvetia Holding AG Financial Statement Overview

Summary
Helvetia Holding AG displays strong revenue growth but faces challenges with moderate profitability and negative free cash flow. While the balance sheet is stable, the company must improve its profitability and cash generation to maintain financial health.
Income Statement
65
Positive
Helvetia Holding AG has shown a mixed performance on its income statement. The gross profit margin remains robust at 100%, indicating effective revenue management. However, the net profit margin of 4.29% in 2024 reflects moderate profitability. The revenue growth rate from 2023 to 2024 was a strong 21.66%, highlighting positive growth momentum. The absence of EBIT in 2024 is a concern, although the EBITDA margin of 7.35% suggests stable operational efficiency. Despite some profitability challenges, the revenue trajectory is promising.
Balance Sheet
60
Neutral
The balance sheet of Helvetia Holding AG indicates moderate stability. The debt-to-equity ratio is 0.48, which is manageable and indicates a balanced approach to leverage. The company's return on equity (ROE) is 11.65%, showcasing a reasonable return on shareholder investment. With an equity ratio of 6.78%, the company maintains a moderate equity base relative to its total assets. Overall, the balance sheet reflects a stable financial position with some leverage but reasonable returns.
Cash Flow
50
Neutral
Helvetia Holding AG faces challenges in its cash flow statement. The significant decline in free cash flow from 2023 to 2024 indicates a concerning trend, with a negative free cash flow of -118.2 million in 2024. The operating cash flow to net income ratio is low, suggesting potential issues in cash generation relative to reported profits. The free cash flow to net income ratio is also negative, highlighting inefficiencies in converting profit to free cash flow. Overall, the cash flow position requires improvement to enhance financial flexibility.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue11.22B9.23B10.14B12.31B10.43B
Gross Profit11.22B10.48B10.14B12.31B10.43B
EBITDA824.90M653.80M720.70M1.00B513.40M
Net Income481.80M283.20M438.80M497.20M264.80M
Balance Sheet
Total Assets60.96B61.49B59.99B70.01B70.31B
Cash, Cash Equivalents and Short-Term Investments2.10B2.76B2.38B1.86B1.85B
Total Debt2.00B1.99B2.86B2.88B3.06B
Total Liabilities56.52B55.10B56.21B63.60B63.91B
Stockholders Equity4.14B3.81B3.46B5.93B5.91B
Cash Flow
Free Cash Flow-118.20M907.30M807.70M993.30M-642.60M
Operating Cash Flow42.90M1.01B923.20M1.11B-521.10M
Investing Cash Flow-149.90M-131.40M-1.00B-983.90M-588.00M
Financing Cash Flow-370.10M-406.50M-185.70M-472.20M646.00M

Helvetia Holding AG Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price205.80
Price Trends
50DMA
198.67
Positive
100DMA
190.86
Positive
200DMA
172.95
Positive
Market Momentum
MACD
2.96
Positive
RSI
50.09
Neutral
STOCH
6.29
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:HELN, the sentiment is Neutral. The current price of 205.8 is below the 20-day moving average (MA) of 208.87, above the 50-day MA of 198.67, and above the 200-day MA of 172.95, indicating a neutral trend. The MACD of 2.96 indicates Positive momentum. The RSI at 50.09 is Neutral, neither overbought nor oversold. The STOCH value of 6.29 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CH:HELN.

Helvetia 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
68
Neutral
$17.90B11.8610.29%3.72%9.74%1.66%
66
Neutral
CHF10.91B22.90
3.26%11.93%70.26%
65
Neutral
CHF9.36B24.47
3.91%-4.03%60.24%
$30.55B22.6816.43%4.07%
$101.80B17.8823.97%4.64%
$48.37B14.4017.22%4.06%
€1.95B12.366.06%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CH:HELN
Helvetia Holding AG
205.80
76.44
59.09%
CH:BALN
Baloise Holding AG
207.40
50.53
32.21%
SWSDF
Swiss Life Holding AG
1,092.08
311.24
39.86%
ZFSVF
Zurich Insurance Group
733.08
179.32
32.38%
SSREF
Swiss Re AG
181.81
49.59
37.51%
DE:VAHB
Vaudoise Assurances Holding SA
677.00
250.08
58.58%

Helvetia Holding AG Corporate Events

Helvetia Insurance Appoints New Group Chief Risk Officer
Jul 22, 2025

Helvetia Insurance has appointed Karina Schreiber as the new Group Chief Risk Officer and member of the Executive Board, effective October 1, 2025. Schreiber brings extensive international leadership experience in risk management from her previous roles at Allianz SE and other insurance companies. This strategic appointment is expected to strengthen Helvetia’s position as a reliable partner amidst evolving risks and follows the planned merger with Baloise, where Schreiber will continue in her role.

Helvetia and Baloise Merge to Form Leading European Insurer
May 23, 2025

Helvetia and Baloise shareholders have approved a merger to form Helvetia Baloise Holding AG, creating the second largest insurance group in Switzerland and a leading European insurer. The merger, expected to complete in the fourth quarter of 2025, promises to enhance competitiveness and create sustainable value for stakeholders, leveraging the complementary markets and synergy potential of both companies.

Helvetia’s Group Life Business Sees 26.5% Growth in 2024
May 22, 2025

Helvetia Holding AG reported a strong financial performance in its group life business for 2024, with a 26.5% increase in the operating result, reaching CHF 61.9 million. This growth was driven by a shift towards partially autonomous solutions and increased capital gains, positioning Helvetia as the second-largest player in the Swiss group life market. The company also saw a rise in premium volume and managed assets, despite a decrease in the number of fully insured persons.

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: Jun 05, 2025