Swiss Life Holding AG (SLHN) AI Stock Analysis

• Market Cap: CHF24.90B
• Dividend Yield: 3.98%
• Average Volume (3M): 45.34K
• Price to Earnings (P/E): 20.9
• Beta (1Y): 0.55
• Revenue Growth: -1.65%
• EPS Growth: 10.05%
• 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: 44,263
• 30 Day Avg. Volume: 45,335
• 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: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: CHF840.66
• Price Target Upside: -4.43% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 6

• Rating: 68 Neutral
• Price Target: CHF935.00 ▲(6.30% Upside)

Swiss Life Holding AG's overall stock score reflects a stable financial performance with solid profitability and effective cost management. The technical analysis suggests a neutral to slightly bullish trend, while the valuation indicates a potentially overvalued stock offset by an attractive dividend yield. The positive sentiment from the earnings call, emphasizing revenue growth and market expansion, further supports the score, despite challenges in European sales and supply chain disruptions.

Swiss Life Holding AG Business Overview & Revenue Model

Company Description

Swiss Life Holding AG provides life insurance, risk, pensions, and financial solutions for private and corporate clients. It operates through Switzerland, France, Germany, International, and Asset Managers segments. The company offers a range of life, pension, health, annuity, and investment-type policies to groups and individuals, as well as disability coverage. It also provides property and casualty, liability and motor, accident, and health insurance. In addition, the company manages assets and provides advisory services for institutional clients. Further, the company engages in the private equity, information technology, real estate, banking, restaurant, and investment funds businesses. Swiss Life Holding AG distributes its products through its agents, financial advisors, and distribution partners. The company operates in Switzerland and internationally under the Swiss Life Select, Tecis, Horbach, Proventus, Chase de Vere, and Fincentrum brands. Swiss Life Holding AG was founded in 1857 and is headquartered in Zurich, Switzerland.

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: Positive
• Last Price: 879.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:SLHN, the sentiment is Positive. The current price of 879.6 is above the 20-day moving average (MA) of 868.44, above the 50-day MA of 855.25, and above the 200-day MA of 802.26, indicating a bullish trend. The MACD of 6.19 indicates Negative momentum. The RSI at 61.67 is Neutral, neither overbought nor oversold. The STOCH value of 82.64 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	―	$80.50B	15.98	23.97%	4.92%	-7.33%	17.93%
SREN	―	$40.34B	13.57	17.22%	3.98%	-4.94%	-5.71%
VAHN	―	€1.80B	11.93	6.06%	3.86%	-1.58%	4.07%
BALN	―	CHF9.12B	20.81	―	4.03%	-9.11%	73.67%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SLHN	―	CHF24.90B	20.94	17.11%	3.98%	-1.65%	10.05%
HELN	―	CHF10.59B	19.36	―	3.36%	-1.57%	95.56%

Swiss Life Holding AG Corporate Events

Swiss Life Successfully Places CHF 250 Million Hybrid Bond

Swiss Life Holding AG has successfully placed a CHF 250 million hybrid bond in the Swiss franc market, with a maturity until 2045 and an optional redemption date in 2035. The funds from this bond will be used for general corporate purposes, including potential refinancing of outstanding instruments, which may enhance the company’s financial flexibility and support its strategic initiatives.

The most recent analyst rating on (CH:SLHN) stock is a Hold with a CHF805.00 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 Holding Reports Stable First-Half 2025 Results

Swiss Life Holding is a leading European provider of life insurance and pension solutions, offering a wide range of financial products and services across Switzerland, France, and Germany, with additional operations in international markets.

Swiss Life Holding’s Earnings Call: Growth Amid Challenges

During Swiss Life Holding’s recent earnings call, the sentiment was largely positive, with strong revenue growth and successful market expansion being the highlights. However, the discussion was balanced by challenges such as supply chain disruptions and a noticeable decline in European sales.

Swiss Life Reports Growth and Launches ‘Swiss Life 2027’

Swiss Life Holding AG reported a 3% increase in operating profit to CHF 903 million for the first half of 2025, despite a slight decline in net profit due to higher tax expenses. The company saw a 5% growth in premium income and a significant increase in net new money inflows in its third-party asset management business. The launch of the ‘Swiss Life 2027’ program aims to further expand the fee business and maintain strong solvency, positioning Swiss Life for continued growth and stability.

The most recent analyst rating on (CH:SLHN) stock is a Sell with a CHF840.00 price target. To see the full list of analyst forecasts on Swiss Life Holding AG stock, see the CH:SLHN Stock Forecast page.