Vaudoise Assurances Holding SA (VAHN) AI Stock Analysis

• Market Cap: CHF1.96B
• Dividend Yield: 3.55%
• Average Volume (3M): 1.02K
• Price to Earnings (P/E): 13.0
• Beta (1Y): 0.36
• 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: 731
• 30 Day Avg. Volume: 1,019
• PEG Ratio: 0.89
• Price to Book (P/B): 0.56
• Price to Sales (P/S): 0.89
• P/FCF Ratio: 22.54
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: CHF680.00 ▲(0.59% Upside)

Vaudoise Assurances Holding SA's strong financial performance is the primary driver of its overall score, supported by solid revenue growth and low financial risk. The valuation is attractive with a reasonable P/E ratio and a good dividend yield. However, technical indicators suggest potential bearish momentum, which slightly offsets the positive financial outlook.

Positive Factors

Financial Performance

The company's strong financial performance, characterized by robust revenue growth and stable margins, indicates a solid market position and effective cost management, which are crucial for long-term sustainability.

Balance Sheet Health

Low leverage and a strong equity base reduce financial risk, providing Vaudoise with flexibility to invest in growth opportunities and weather economic downturns, supporting long-term stability.

Cash Flow Growth

Significant growth in free cash flow enhances the company's ability to reinvest in business operations, pay dividends, and reduce debt, contributing to financial resilience and growth potential.

Negative Factors

Revenue Growth Challenges

Negative revenue growth suggests challenges in maintaining sales momentum, potentially impacting future profitability and market competitiveness if not addressed.

Operational Efficiency

Lack of EBIT suggests inefficiencies in operations, which could hinder profitability and require strategic adjustments to improve cost management and operational processes.

Cash Conversion Efficiency

The lower free cash flow to net income ratio indicates potential inefficiencies in converting earnings into cash, which could limit the company's ability to fund growth and return capital to shareholders.

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 generates revenue primarily through the underwriting of insurance policies, where it collects premiums from policyholders in exchange for coverage against various risks. The company earns money from both life and non-life insurance segments, with significant revenue coming from property and casualty insurance. Additionally, Vaudoise invests the premiums it collects into various financial instruments, generating investment income as a secondary revenue stream. The company's financial performance is further supported by strategic partnerships with brokers and intermediaries, enhancing its distribution channels. Factors such as effective risk assessment, claims management, and investment strategies contribute to its profitability.

Vaudoise Assurances Holding SA Financial Statement Overview

Summary

Vaudoise Assurances Holding SA exhibits strong financial performance with robust revenue growth and stable profitability margins. The company maintains low leverage with a solid equity position, reducing financial risk. Positive cash flow growth further supports its financial health, though 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.50B	1.60B	1.42B	1.37B	1.37B	1.33B
Gross Profit	1.55B	1.60B	1.41B	1.33B	1.41B	1.33B
EBITDA	170.48M	190.40M	163.43M	165.67M	173.99M	156.98M
Net Income	149.92M	147.01M	132.49M	130.88M	134.18M	122.79M
Balance Sheet
Total Assets	8.97B	8.94B	8.74B	8.61B	8.78B	8.37B
Cash, Cash Equivalents and Short-Term Investments	419.62M	271.05M	287.06M	312.04M	203.41M	175.73M
Total Debt	199.36M	157.21M	162.50M	160.16M	37.00M	32.00M
Total Liabilities	6.46B	6.39B	6.40B	6.33B	6.33B	6.25B
Stockholders Equity	2.51B	2.55B	2.34B	2.28B	2.45B	2.12B
Cash Flow
Free Cash Flow	84.81M	63.46M	41.87M	67.20M	75.00M	62.41M
Operating Cash Flow	107.69M	118.53M	81.43M	86.33M	109.64M	85.96M
Investing Cash Flow	-47.07M	-74.46M	-43.09M	-33.73M	-31.81M	-50.23M
Financing Cash Flow	-20.99M	-59.53M	-63.81M	57.01M	-50.15M	-58.93M

Vaudoise Assurances Holding SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 676.00
• 50DMA: Positive
• 100DMA: Positive
• 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:VAHN, the sentiment is Positive. The current price of 676 is above the 20-day moving average (MA) of 660.60, above the 50-day MA of 641.76, and above the 200-day MA of 606.94, indicating a bullish trend. The MACD of 8.84 indicates Positive momentum. The RSI at 63.43 is Neutral, neither overbought nor oversold. The STOCH value of 64.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	78 Outperform	CHF82.76B	16.43	23.97%	4.74%	-7.33%	17.93%
SREN	73 Outperform	CHF35.33B	11.90	17.22%	4.56%	-4.94%	-5.71%
VAHN	70 Outperform	CHF1.96B	12.96	6.06%	3.55%	-1.58%	4.07%
BALN	68 Neutral	CHF8.94B	20.39	―	4.09%	-9.11%	73.67%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SLHN	68 Neutral	CHF24.68B	20.86	17.11%	3.93%	-1.65%	10.05%
HELN	59 Neutral	CHF10.64B	19.44	―	3.40%	-1.57%	95.56%

Vaudoise Assurances Holding SA Corporate Events

Vaudoise Insurance Supports SwimTech’s Innovative Safety Swimwear

Vaudoise Insurance Group is supporting SwimTech, the winner of the ‘PRÊT? PARTEZ, PITCH!’ competition organized by GENILEM. SwimTech, a Geneva-based start-up, developed an innovative swimsuit with an inflatable safety feature. Vaudoise will provide a year of mentoring to help SwimTech refine its strategy and strengthen its market presence, enhancing its industry positioning and offering intelligent swimming safety solutions.

Vaudoise Insurance Reinforces Commitment to Social Responsibility with Involvere Days

Vaudoise Assurances Holding SA recently concluded its 11th Involvere Days, where 232 employees participated in various charitable projects across Switzerland. This initiative underscores the company’s commitment to corporate social responsibility, supporting 20 partner organizations in areas such as social integration, sustainable development, personal assistance, and animal support, thereby fostering a positive impact on both beneficiaries and employees.

Vaudoise Strengthens Pet Insurance Leadership with Brand Integration

Vaudoise Assurances Holding SA is consolidating its pet insurance brands, Animalia and Epona, under Vaudoise General to enhance its market leadership in the sector. This strategic move, pending regulatory approval, aims to create synergies and strengthen service offerings without affecting existing customer relationships or policies. The integration is expected to leverage the combined expertise of both brands, ensuring competitive premiums and superior service in the growing pet insurance market.

Vaudoise Strengthens Pension Fund Consulting with Ecofin Acquisition

Vaudoise Insurance Group has acquired Ecofin Investment Consulting AG, enhancing its leadership in pension fund consulting in Switzerland. This acquisition, along with previous ones, solidifies Vaudoise’s position as a market leader in comprehensive consulting services for pension funds. The integration of Ecofin’s expertise, particularly in digitalization and AI, is expected to bolster Vaudoise’s offerings and strengthen its market positioning.