Swiss Life Holding AG (SLHN) AI Stock Analysis

• Market Cap: $23.24B
• Dividend Yield: 4.26%
• Average Volume (3M): 51.19K
• Price to Earnings (P/E): 19.7
• Beta (1Y): 0.62
• Revenue Growth: -1.65%
• EPS Growth: 9.88%
• Country: CH
• Employees: 9,424
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 20.53
• Shares Outstanding: 28,532,982
• 10 Day Avg. Volume: 50,951
• 30 Day Avg. Volume: 51,193
• PEG Ratio: 1.16
• Price to Book (P/B): 2.66
• Price to Sales (P/S): 1.39
• P/FCF Ratio: 357.59
• Enterprise Value/Market Cap: 1.65
• Enterprise Value/Revenue: 6.57
• Enterprise Value/Gross Profit: 6.57
• Enterprise Value/Ebitda: 18.45
• 1Y Price Target: $849.58
• Price Target Upside: 3.43% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 5

• Rating: 66 Neutral
• Price Target: CHF914.00 ▲(11.27% Upside)

Swiss Life Holding AG's overall stock score is driven by strong financial performance and positive earnings call sentiment, despite technical indicators suggesting short-term bearish trends. The company's valuation is attractive, with a reasonable P/E ratio and a solid dividend yield. While supply chain disruptions and declining European sales pose challenges, the company's strategic focus on growth and efficiency provides a positive outlook.

Swiss Life Holding AG Business Overview & Revenue Model

Company Description

Swiss Life Holding AG (SLHN) is a leading provider of life insurance and pension solutions in Switzerland and across Europe. The company operates primarily in the insurance and financial services sectors, offering a wide range of products including life insurance, occupational pensions, and asset management services. Swiss Life focuses on helping individuals and businesses achieve financial security and stability through tailored insurance and investment solutions.

How the Company Makes Money

Swiss Life Holding AG generates revenue primarily through its insurance premiums, which are collected from policyholders in exchange for life insurance coverage and pension products. Additionally, the company earns income from investment activities, as it manages a substantial portfolio of assets on behalf of its clients and policyholders. Key revenue streams include individual life insurance, group life insurance, and various annuity products. The company also benefits from fees associated with asset management services. Strategic partnerships with financial advisors and brokers enhance its distribution channels, contributing to increased sales and customer acquisition.

Swiss Life Holding AG Financial Statement Overview

Summary

Swiss Life Holding AG demonstrates solid profitability with stable net margins and effective cost management. Despite revenue fluctuations and a declining equity ratio, the company's leverage remains controlled. Cash flow inconsistencies present a potential risk, but recent improvements in free cash flow provide a positive outlook. Overall, the company's financial health is stable, with room for growth in cash flow stability.

Income Statement

Swiss Life Holding AG exhibits a robust EBIT and EBITDA margin, indicating strong profitability. However, the revenue has shown fluctuations over the years, with a noticeable decline in the most recent year. The net profit margin remains stable, reflecting effective cost management.

Balance Sheet

The company has a moderate debt-to-equity ratio, suggesting a balanced approach to leverage. The equity ratio has decreased over the years, indicating a reliance on liabilities. Return on equity is satisfactory, showing effective utilization of shareholder funds.

Cash Flow

Cash flow from operations has been inconsistent, with a significant decline in the latest year. However, free cash flow has shown some recovery, indicating potential for future cash flow improvements. The free cash flow to net income ratio suggests cautious cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	5.82B	14.43B	15.24B	20.36B	21.52B	22.42B
Gross Profit	5.82B	14.43B	15.11B	20.36B	21.52B	22.42B
EBITDA	2.07B	2.13B	1.80B	1.93B	1.93B	1.60B
Net Income	898.50M	1.21B	1.08B	1.18B	1.25B	1.05B
Balance Sheet
Total Assets	216.19B	218.93B	213.44B	217.33B	240.65B	237.78B
Cash, Cash Equivalents and Short-Term Investments	0.00	59.45B	5.89B	6.91B	7.21B	7.87B
Total Debt	10.64B	9.41B	9.49B	14.83B	13.02B	12.86B
Total Liabilities	209.21B	211.26B	205.15B	207.72B	224.80B	220.94B
Stockholders Equity	6.83B	7.52B	7.50B	9.49B	15.73B	16.75B
Cash Flow
Free Cash Flow	868.00M	56.00M	-1.08B	918.00M	200.00M	421.00M
Operating Cash Flow	952.00M	186.00M	-975.00M	1.00B	289.00M	464.00M
Investing Cash Flow	-399.00M	-465.00M	-111.00M	3.00M	-194.00M	-40.00M
Financing Cash Flow	-1.24B	-580.00M	-1.42B	-1.12B	-625.00M	-719.00M

Swiss Life Holding AG Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 821.40
• 50DMA: Negative
• 100DMA: Negative
• 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:SLHN, the sentiment is Negative. The current price of 821.4 is below the 20-day moving average (MA) of 848.63, below the 50-day MA of 854.36, and above the 200-day MA of 773.59, indicating a neutral trend. The MACD of -11.65 indicates Positive momentum. The RSI at 30.50 is Neutral, neither overbought nor oversold. The STOCH value of 9.94 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:SLHN.

Swiss Life Holding AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ZURN	78 Outperform	78.97B	15.68	22.83%	5.00%	-7.33%	17.93%
VAHN	73 Outperform	1.79B	11.89	5.77%	3.88%	-1.58%	4.07%
SREN	70 Outperform	37.73B	12.71	14.03%	4.26%	-4.94%	0.00%
SLHN	66 Neutral	$23.24B	19.74	17.11%	4.26%	-1.65%	9.88%
BALN	64 Neutral	8.95B	20.41	10.60%	4.11%	-9.11%	0.00%
HELN	56 Neutral	10.38B	18.97	11.65%	3.44%	-1.57%	95.56%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Swiss Life Holding AG Corporate Events

Swiss Retirees Among the Happiest in Europe, Swiss Life Study Finds

A recent Swiss Life study reveals that 80% of Swiss retirees aged 65 to 80 are satisfied with their lives, highlighting their positive outlook on leisure activities, social contacts, and health. Despite some experiencing loneliness and chronic health issues, the majority lead active lives, engaging in mental and physical activities and maintaining social networks. This satisfaction reflects positively on Swiss Life’s positioning as a provider of pension and financial solutions, emphasizing the importance of non-monetary aspects in retirement. The study underscores the active lifestyle and mobility of retirees, with many traveling within Europe and maintaining a high level of satisfaction with their mobility and leisure activities.

The most recent analyst rating on (CH:SLHN) stock is a Hold with a CHF707.00 price target. To see the full list of analyst forecasts on Swiss Life Holding AG stock, see the CH:SLHN Stock Forecast page.

Swiss Life Releases 2024 Operating Statement for Swiss Occupational Benefits

Swiss Life has released its 2024 operating statement for its occupational benefits business in Switzerland, detailing the income statement, balance sheet, surplus fund, and investment portfolio. This release underscores Swiss Life’s commitment to transparency and compliance, potentially strengthening its position in the Swiss financial services market and providing stakeholders with valuable insights into its financial health.

The most recent analyst rating on (CH:SLHN) stock is a Hold with a CHF707.00 price target. To see the full list of analyst forecasts on Swiss Life Holding AG stock, see the CH:SLHN Stock Forecast page.

Swiss Life Reports Strong Start to 2025 with Growth Across Key Segments

Swiss Life Holding AG reported a strong start to 2025, with significant growth in both its insurance and fee business. The company saw a 6% increase in premium income and a 3% rise in fee income, driven by its own and third-party products. Swiss Life Asset Managers also experienced robust net new money inflows, contributing to an increase in assets under management. The company’s strategic ‘Swiss Life 2027’ program aims to continue this positive trajectory, enhancing its market position and stakeholder value.

The most recent analyst rating on (CH:SLHN) stock is a Hold with a CHF707.00 price target. To see the full list of analyst forecasts on Swiss Life Holding AG stock, see the CH:SLHN Stock Forecast page.

Swiss Life Shareholders Approve Board Proposals and Dividend

Swiss Life Holding AG’s shareholders have approved all proposals from the Board of Directors at the company’s General Meeting, including a dividend distribution of CHF 35.00 per registered share. The meeting, attended by around 1270 shareholders, also confirmed Rolf Dörig as Chairman and re-elected the board members for another year. This approval reflects strong shareholder support and may enhance Swiss Life’s market positioning by reinforcing investor confidence and ensuring continuity in leadership.

The most recent analyst rating on (CH:SLHN) stock is a Hold with a CHF707.00 price target. To see the full list of analyst forecasts on Swiss Life Holding AG stock, see the CH:SLHN Stock Forecast page.