Vaudoise Assurances Holding SA (VAHN) AI Stock Analysis

• Market Cap: CHF1.83B
• Dividend Yield: 3.88%
• Average Volume (3M): 1.67K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.35
• Revenue Growth: 7.25%
• EPS Growth: 10.96%
• Country: CH
• Employees: 2,009
• Sector: Financial
• Sector Strength: 82
• Industry: Insurance - Diversified
• EPS (TTM): 50.78
• Shares Outstanding: 1,000,000
• 10 Day Avg. Volume: 1,100
• 30 Day Avg. Volume: 1,672
• PEG Ratio: 5.27
• Price to Book (P/B): 0.71
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 12.33
• 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: N/A
• Number of Analyst Covering: 0

• Rating: 83 Outperform
• Price Target: CHF713.00 ▲(14.08%Upside)

Vaudoise Assurances Holding SA scores highly due to strong financial performance characterized by robust revenue growth, stable profitability, and low financial risk. The stock exhibits strong technical momentum, supporting an optimistic outlook. Despite attractive valuation metrics, improvements in operational efficiency and cash conversion could further enhance its position.

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 generates revenue primarily through the premiums paid by policyholders for its range of insurance products. The company's key revenue streams include life insurance premiums, which provide coverage for events such as death or disability, and property and casualty insurance premiums, which cover risks related to property damage and liability. Health insurance and pension plan contributions also contribute to the company's income. Additionally, Vaudoise invests the premiums collected in various financial instruments, earning investment income that supports its financial stability and profitability. The company's earnings are further bolstered by its strong brand reputation, customer loyalty, and strategic partnerships within the Swiss insurance market, which enhance its distribution channels and market penetration.

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
	EBIT
166.41M	145.69M	162.97M	150.47M	157.53M
	EBITDA
190.40M	163.43M	162.76M	173.99M	156.98M
	Net Income Common Stockholders
147.01M	132.49M	130.88M	134.18M	122.79M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
271.05M	287.06M	312.04M	203.41M	175.73M
	Total Assets
8.94B	8.74B	8.61B	8.78B	8.37B
	Total Debt
157.21M	162.50M	160.16M	37.00M	32.00M
	Net Debt
-113.84M	-124.56M	-11.88M	-166.41M	-103.73M
	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: Positive
• Last Price: 625.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 Positive. The current price of 625 is above the 20-day moving average (MA) of 609.78, above the 50-day MA of 572.55, and above the 200-day MA of 492.99, indicating a bullish trend. The MACD of 12.93 indicates Positive momentum. The RSI at 69.60 is Neutral, neither overbought nor oversold. The STOCH value of 82.22 is Negative, 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
VAHN	83 Outperform	CHF1.83B	12.31	5.89%	3.88%	7.25%	10.96%
SREN	76 Outperform	CHF42.04B	15.10	16.71%	3.90%	-0.56%	―
ZURN	76 Outperform	$82.40B	16.30	23.10%	4.55%	7.12%	32.22%
SLHN	73 Outperform	CHF23.59B	19.51	16.43%	3.96%	0.44%	14.07%
BALN	67 Neutral	CHF8.71B	22.77		4.20%	-4.03%	60.24%
HELN	66 Neutral	CHF10.25B	21.51		3.47%	11.93%	70.26%
Sector *	64 Neutral	$12.87B	9.81	7.76%	16985.65%	12.28%	-7.83%

Vaudoise Assurances Holding SA Corporate Events

Vaudoise Versicherungen Earns Great Place to Work® Certification

Vaudoise Versicherungen has been recognized with the Great Place to Work® certification, reflecting high employee satisfaction and trust in leadership. The certification underscores the company’s commitment to fostering a supportive and inclusive work environment, which is crucial for its operations and stakeholder relations.

Vaudoise Versicherungen Approves Board Proposals and Strengthens Equity

At the 35th ordinary general meeting, Vaudoise Versicherungen Holding AG’s shareholders approved all board proposals, including the election of Hélène Béguin to the Board of Directors. The meeting also approved the 2024 financial statements, a dividend distribution, and a CHF 25 million allocation to strengthen equity capital. Key re-elections included Philippe Hebeisen as president of the Board, and Ernst & Young AG as auditor. These decisions reflect Vaudoise’s strategic focus on financial stability and leadership continuity.

Vaudoise Celebrates Cooperative Roots with CHF 44 Million Premium Refund

Vaudoise Assurances Holding SA is celebrating the International Year of Cooperatives by distributing CHF 44 million in premium refunds to its policyholders, offering a 20% discount on liability and property premiums for 2025-2026. This initiative underscores Vaudoise’s commitment to its cooperative roots and enhances its market positioning by highlighting its unique profit-sharing model in Switzerland, benefiting both private customers and SMEs, as well as supporting young tennis talents in the country.

Vaudoise Insurance Group Reports Strong 2024 Financial Results and Growth

The Vaudoise Insurance Group reported a strong financial performance for 2024, with a consolidated profit of CHF 147 million and a revenue increase of 4.2% to CHF 1,436.4 million. The company plans to increase dividends and share profits with non-life customers, reflecting its robust growth and stable financial health. The group’s strategic focus on investment management and market diversification has resulted in a solid equity increase and a high Swiss Solvency Test ratio, positioning it well for future challenges and stakeholder benefits.