Vaudoise Assurances Holding SA (VAHN) AI Stock Analysis

• Market Cap: €1.81B
• Dividend Yield: 3.88%
• Average Volume (3M): 1.17K
• Price to Earnings (P/E): 11.9
• Beta (1Y): 0.37
• Revenue Growth: -1.58%
• EPS Growth: 4.07%
• Country: CH
• Employees: 2,009
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 28.89
• Shares Outstanding: 1,000,000
• 10 Day Avg. Volume: 1,209
• 30 Day Avg. Volume: 1,172
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: €701.82
• Price Target Upside: 13.38% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: CHF702.00 ▲(13.41% Upside)

Vaudoise Assurances Holding SA's overall stock score is driven by its strong financial performance, characterized by robust revenue growth and stable profitability. The valuation is reasonable with an attractive dividend yield. However, technical indicators suggest a neutral to slightly bearish short-term outlook, which tempers the overall score.

Vaudoise Assurances Holding SA Business Overview & Revenue Model

Company Description

Vaudoise Assurances Holding SA provides insurance products and services to individuals and SMEs primarily in Switzerland. The company offers vehicle, household, public liability, foresight, mortgage, and business insurance. It serves customers through its network of agencies. The company was founded in 1895 and is headquartered in Lausanne, Switzerland. Vaudoise Assurances Holding SA operates as a subsidiary of Mutuelle Vaudoise, Société Coopérative.

How the Company Makes Money

Vaudoise Assurances Holding SA primarily generates revenue through the underwriting of insurance policies across its life and non-life segments. The company collects premiums from policyholders, which constitute the core revenue stream. In addition to underwriting profits, Vaudoise also earns income through investment activities, where it strategically invests the premiums collected in various financial instruments to generate returns. The company benefits from its diversified portfolio and risk management strategies, which help optimize its income from both underwriting and investment operations. Significant partnerships with financial institutions and reinsurance arrangements further support its financial stability and profitability.

Vaudoise Assurances Holding SA Financial Statement Overview

Summary

Vaudoise Assurances Holding SA is financially robust with strong revenue growth and stable profitability margins. The company displays low leverage with a solid equity position, reducing financial risk. Positive cash flow growth further supports its financial health, although there are opportunities to enhance operational efficiency and cash conversion ratios.

Income Statement

Vaudoise Assurances Holding SA shows strong revenue growth of 13.3% in the latest year, with a consistent gross profit margin indicating stable core operations. The net profit margin is also robust at 9.2%, reflecting effective cost management. However, the absence of EBIT indicates potential issues in operational efficiency, though EBITDA margin remains healthy at 11.9%.

Balance Sheet

The company maintains a solid equity base with a debt-to-equity ratio of 0.06, indicating low leverage and reduced financial risk. The equity ratio is strong at 28.5%, showcasing a stable financial position. Return on equity is commendable at 5.8%, suggesting efficient use of shareholders' funds, although there is room for improvement.

Cash Flow

Vaudoise Assurances demonstrates a positive trajectory in cash flow with a 51.5% growth in free cash flow. The operating cash flow to net income ratio of 0.81 indicates sound cash generation relative to earnings. Free cash flow to net income ratio at 0.43 suggests room to enhance cash efficiency.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.60B	1.42B	1.37B	1.37B	1.33B
Gross Profit	1.60B	1.41B	1.37B	1.37B	1.33B
EBITDA	190.40M	163.43M	162.76M	173.99M	156.98M
Net Income	147.01M	132.49M	130.88M	134.18M	122.79M
Balance Sheet
Total Assets	8.94B	8.74B	8.61B	8.78B	8.37B
Cash, Cash Equivalents and Short-Term Investments	271.05M	287.06M	312.04M	203.41M	175.73M
Total Debt	157.21M	162.50M	160.16M	37.00M	32.00M
Total Liabilities	6.39B	6.40B	6.33B	6.33B	6.25B
Stockholders Equity	2.55B	2.34B	2.28B	2.45B	2.12B
Cash Flow
Free Cash Flow	63.46M	41.87M	67.20M	75.00M	62.41M
Operating Cash Flow	118.53M	81.43M	86.33M	109.64M	85.96M
Investing Cash Flow	-74.46M	-43.09M	-33.73M	-31.81M	-50.23M
Financing Cash Flow	-59.53M	-63.81M	56.03M	-50.15M	-58.93M

Vaudoise Assurances Holding SA Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 619.00
• 50DMA: Negative
• 100DMA: Negative
• 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:VAHN, the sentiment is Neutral. The current price of 619 is below the 20-day moving average (MA) of 621.05, below the 50-day MA of 632.62, and above the 200-day MA of 564.34, indicating a neutral trend. The MACD of -5.02 indicates Negative momentum. The RSI at 47.01 is Neutral, neither overbought nor oversold. The STOCH value of 80.38 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CH:VAHN.

Vaudoise Assurances Holding SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ZURN	79 Outperform	CHF80.84B	15.95	22.83%	4.91%	-7.33%	17.93%
SREN	74 Outperform	CHF39.84B	13.46	14.03%	4.06%	-4.94%	―
VAHN	73 Outperform	€1.81B	11.95	6.06%	3.88%	-1.58%	4.07%
BALN	66 Neutral	CHF8.90B	20.23	10.60%	4.11%	-9.11%	―
SLHN	66 Neutral	CHF24.18B	20.51	16.14%	4.10%	-1.65%	9.88%
HELN	56 Neutral	CHF10.37B	18.86	11.65%	3.43%	-1.57%	95.56%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Vaudoise Assurances Holding SA Corporate Events

Vaudoise Versicherungen Expands with New Bern-Wankdorf Hub

Vaudoise Versicherungen is expanding its presence in German-speaking Switzerland by opening a new hub in Bern-Wankdorf, reflecting its successful business development in the region. The new office, built sustainably in an eco-district, aims to enhance cross-departmental collaboration and employee retention by providing a modern, flexible working environment. This strategic move is expected to strengthen Vaudoise’s regional anchoring and operational efficiency, aligning with its sustainability goals and commitment to employee well-being.

The most recent analyst rating on (CH:VAHN) stock is a Buy with a CHF713.00 price target. To see the full list of analyst forecasts on Vaudoise Assurances Holding SA stock, see the CH:VAHN Stock Forecast page.

Vaudoise Insurance Group Reports Strong Half-Year Results Amidst Market Challenges

Vaudoise Insurance Group reported a net profit of CHF 84.1 million for the first half of 2025, with revenue reaching CHF 1,096.7 million. The non-life insurance sector saw significant growth, particularly in personal non-life insurance and motor vehicle insurance, despite high claims costs. The group’s combined ratio improved to 96.7%, and the SST ratio remained strong at 322.2%. However, life insurance premiums declined by 35.5% due to the temporary absence of the TrendValor product. Vaudoise continues to focus on its strategic asset allocation amidst market volatility and geopolitical uncertainties, expecting further growth in the non-life sector.

The most recent analyst rating on (CH:VAHN) stock is a Buy with a CHF713.00 price target. To see the full list of analyst forecasts on Vaudoise Assurances Holding SA stock, see the CH:VAHN Stock Forecast page.

Vaudoise Versicherungen Excels in Customer Satisfaction for 2025

Vaudoise Versicherungen has maintained its strong position in customer satisfaction for 2025, as evidenced by high rankings in surveys conducted by Comparis and bonus.ch. The company achieved top ratings for its car insurance and other insurance products, highlighting its commitment to quality service and customer loyalty. These results underscore Vaudoise’s ability to adapt to market trends such as rising premiums and the shift towards electric vehicles, ensuring it remains a reliable partner for policyholders.

The most recent analyst rating on (CH:VAHN) stock is a Buy with a CHF713.00 price target. To see the full list of analyst forecasts on Vaudoise Assurances Holding SA stock, see the CH:VAHN Stock Forecast page.

Vaudoise Assurances Strengthens Support for Swiss Tennis Youth

Vaudoise Assurances continues its support for Swiss tennis youth by sponsoring the Vaudoise Junior Champion Trophy, distributing CHF 40,000 among winning clubs. This initiative not only provides financial support but also helps clubs improve infrastructure and training, enhancing conditions for young players.