Swiss Re AG (SREN) AI Stock Analysis

• Market Cap: $38.29B
• Dividend Yield: 4.21%
• Average Volume (3M): 600.79K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 0.79
• Revenue Growth: -4.94%
• EPS Growth: N/A
• Country: CH
• Employees: 15,000
• Sector: Financial
• Sector Strength: 71
• Industry: Insurance - Reinsurance
• EPS (TTM): 3.55
• Shares Outstanding: 298,761,720
• 10 Day Avg. Volume: 575,941
• 30 Day Avg. Volume: 600,792
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.29
• Enterprise Value/Revenue: 0.99
• Enterprise Value/Gross Profit: 1.00
• Enterprise Value/Ebitda: -83.32
• 1Y Price Target: $141.69
• Price Target Upside: 0.03% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 9

• Rating: 70 Outperform
• Price Target: CHF157.00 ▲(10.84% Upside)

Swiss Re AG's overall stock score of 70 reflects its strong financial performance and positive earnings call, which highlight improved profitability and robust capital strength. However, technical indicators suggest a bearish trend, and challenges in revenue growth and casualty volumes pose risks. The fair valuation and attractive dividend yield provide some support to the stock's appeal.

Swiss Re AG Business Overview & Revenue Model

Company Description

Swiss Re AG, together with its subsidiaries, provides wholesale reinsurance, insurance, other insurance-based forms of risk transfer, and other insurance-related services worldwide. The company operates through Property & Casualty Reinsurance, Life & Health Reinsurance, and Corporate Solutions. The Property & Casualty Reinsurance segment underwrites property reinsurance, including property, credit and surety, engineering, aviation, marine, agriculture, retakaful, and facultative reinsurance solutions; and casualty reinsurance, such as liability, motor, worker's compensation, personal accident, management and professional liability, cyber, and facultative reinsurance solutions. The Life & Health Reinsurance segment underwrites life and health insurance products. The Corporate Solutions segment offers standard risk transfer covers and multi-line programs to customized solutions. It serves stock and mutual insurance companies, public sector and governmental entities, mid-sized and large corporations, and individuals. Swiss Re AG was founded in 1863 and is headquartered in Zurich, Switzerland.

How the Company Makes Money

Swiss Re AG generates revenue primarily through the premiums it receives from insurance companies and other clients for providing reinsurance coverage. The company operates on a global scale, spreading risk by underwriting policies in multiple markets and industries. Key revenue streams include property and casualty reinsurance, which covers risks related to natural disasters, accidents, and liability issues, and life and health reinsurance, which manages mortality and morbidity risks. Swiss Re also earns income through investment activities, leveraging its capital to invest in various asset classes. Significant partnerships with insurance companies and corporations, along with its expertise in risk assessment and management, contribute to its earnings by enabling Swiss Re to craft tailored reinsurance solutions that address complex risk scenarios.

Swiss Re AG Financial Statement Overview

Summary

Swiss Re AG demonstrates robust financial health with a solid balance sheet and improving profitability. The company has managed to enhance its profitability and leverage. However, inconsistent revenue growth and the need for improved cash flow management and investment utilization are key challenges.

Income Statement

Swiss Re AG has shown a stable revenue base with some fluctuations over the years. The net profit margin improved to 37.14% in 2024 from 6.46% in 2023, indicating enhanced profitability. However, revenue decreased significantly from 2023 to 2024. EBIT margins have been inconsistent, with EBIT in 2024 being zero. The overall trend shows recovery from previous losses, yet maintaining consistent revenue growth remains a challenge.

Balance Sheet

The company's debt-to-equity ratio has improved over time, showing better leverage management, with a ratio of 0.31 in 2024. The equity ratio has remained stable, indicating a strong balance sheet. Return on Equity (ROE) increased significantly to 14.03% in 2024, highlighting improved shareholder returns. The financial stability is evident, but attention to asset management is needed due to fluctuating total assets.

Cash Flow

Operating cash flow showed a decline from 2023 to 2024, but free cash flow remained positive. The free cash flow to net income ratio improved, indicating better cash generation relative to profit. However, negative investing cash flow suggests a need for careful investment management. The cash flow situation is stable, but there is room for improvement in operational efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	49.82B	8.72B	49.73B	46.04B	46.74B	43.34B
Gross Profit	49.46B	8.72B	49.46B	46.04B	46.74B	43.34B
EBITDA	-593.00M	4.27B	-23.00M	1.64B	-573.00M	115.00M
Net Income	3.21B	3.24B	3.21B	472.00M	1.44B	-878.00M
Balance Sheet
Total Assets	179.58B	127.23B	179.58B	170.68B	181.57B	182.62B
Cash, Cash Equivalents and Short-Term Investments	88.38B	88.64B	88.38B	85.61B	4.15B	4.70B
Total Debt	9.82B	7.26B	9.82B	11.04B	11.19B	11.74B
Total Liabilities	163.21B	103.99B	163.21B	157.87B	10.32B	11.58B
Stockholders Equity	16.15B	23.11B	16.15B	12.70B	23.57B	27.14B
Cash Flow
Free Cash Flow	4.09B	3.13B	4.09B	2.93B	4.10B	5.39B
Operating Cash Flow	4.09B	3.13B	4.09B	2.93B	4.10B	5.39B
Investing Cash Flow	-362.00M	-407.00M	-362.00M	-2.34B	-2.14B	-7.72B
Financing Cash Flow	-3.22B	-2.97B	-3.22B	-1.24B	-2.10B	-2.50B

Swiss Re AG Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 141.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:SREN, the sentiment is Negative. The current price of 141.65 is below the 20-day moving average (MA) of 144.79, below the 50-day MA of 144.62, and above the 200-day MA of 138.40, indicating a neutral trend. The MACD of -1.34 indicates Positive momentum. The RSI at 41.46 is Neutral, neither overbought nor oversold. The STOCH value of 33.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:SREN.

Swiss Re AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SREN	70 Outperform	$38.29B	12.90	17.22%	4.21%	-4.94%	―
Sector *	68 Neutral	$17.78B	11.94	9.89%	3.74%	9.69%	1.17%
BALN	65 Neutral	CHF9.07B	23.69		4.06%	-4.03%	60.24%
HELN	57 Neutral	CHF10.54B	19.25		3.42%	-1.57%	95.56%
SWSDF	―	$29.80B	22.02	17.11%	4.20%	―	―
ZFSVF	―	$102.24B	18.23	23.97%	4.53%	―	―
VAHB	―	€1.98B	12.31	6.06%	―	―	―

Swiss Re AG Corporate Events

Swiss Re Reports Record Insured Losses from Natural Disasters in 2025

Swiss Re Institute reports that insured losses from natural disasters in the first half of 2025 reached $80 billion, driven by record-breaking wildfires in California and severe thunderstorms in the USA. This figure is nearly double the ten-year average and suggests that total losses for the year could surpass the $150 billion forecast. The increase in losses is attributed to factors such as rising temperatures, more frequent droughts, and urban expansion into high-risk areas. The report underscores the importance of enhanced damage mitigation and adaptation measures to increase community resilience.

The most recent analyst rating on (CH:SREN) stock is a Hold with a CHF132.00 price target. To see the full list of analyst forecasts on Swiss Re AG stock, see the CH:SREN Stock Forecast page.

US Tariffs Impact Global Economic and Insurance Growth, Says Swiss Re

Swiss Re Institute reports that US tariffs are expected to slow global economic growth, impacting insurance premium growth rates. The tariffs are causing political uncertainty and trade difficulties, leading to a decrease in consumer spending and investment. This slowdown is expected to affect the insurance industry, with global premium growth predicted to decline. However, insurers’ profitability outlook remains positive due to rising capital returns. The US motor vehicle insurance sector is particularly affected by increased claims costs due to tariffs. Despite these challenges, opportunities exist in areas like credit and surety insurance, and transport insurance outside the US may benefit from supply chain reorganization.

The most recent analyst rating on (CH:SREN) stock is a Hold with a CHF132.00 price target. To see the full list of analyst forecasts on Swiss Re AG stock, see the CH:SREN Stock Forecast page.

Swiss Re’s SONAR 2025 Report Highlights Extreme Heat as a Major Emerging Risk

Swiss Re’s 2025 SONAR report highlights extreme heat as a significant emerging risk, surpassing the combined fatalities from floods, earthquakes, and hurricanes. The report emphasizes the broad impact of extreme heat on human health, infrastructure, agriculture, and various industries, including energy and telecommunications. It also addresses the growing challenges posed by artificial intelligence incidents and declining trust in institutions, urging insurers to adapt to these evolving risks.

The most recent analyst rating on (CH:SREN) stock is a Hold with a CHF132.00 price target. To see the full list of analyst forecasts on Swiss Re AG stock, see the CH:SREN Stock Forecast page.

Swiss Re Reports Strong Q1 2025 Profit Amid Challenges

Swiss Re reported a profit of USD 1.3 billion and a return on equity of 22.4% for the first quarter of 2025, driven by strong performances across its business segments despite significant losses from natural and man-made disasters. The company’s robust capital position and strategic actions, including successful contract renewals and portfolio management, have reinforced its market position and ability to support clients, while also planning to cancel excess shares to optimize capital structure.

The most recent analyst rating on (CH:SREN) stock is a Buy with a CHF122.00 price target. To see the full list of analyst forecasts on Swiss Re AG stock, see the CH:SREN Stock Forecast page.