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Vaudoise Assurances Holding SA (CH:VAHN)
:VAHN
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Vaudoise Assurances Holding SA (VAHN) AI Stock Analysis

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CH:VAHN

Vaudoise Assurances Holding SA

(VAHN)

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Outperform 76 (OpenAI - 4o)
Rating:76Outperform
Price Target:
CHF705.00
▲(15.01% Upside)
Vaudoise Assurances Holding SA demonstrates strong financial performance with robust revenue growth and stable profitability, contributing significantly to the overall score. The technical analysis indicates a neutral to slightly positive market sentiment, while the valuation metrics suggest the stock is reasonably priced with an attractive dividend yield. The absence of earnings call data and corporate events does not impact the score.

Vaudoise Assurances Holding SA (VAHN) vs. iShares MSCI Switzerland ETF (EWL)

Vaudoise Assurances Holding SA Business Overview & Revenue Model

Company DescriptionVaudoise Assurances Holding SA (VAHN) is a prominent Swiss insurance company headquartered in Lausanne, specializing in a wide range of insurance products and services. The company operates primarily in the sectors of life and non-life insurance, offering solutions that include health, property, casualty, and life insurance. With a strong emphasis on customer service and innovative insurance solutions, Vaudoise serves both individual clients and businesses across Switzerland, aiming to provide financial security and risk management.
How the Company Makes MoneyVaudoise 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 demonstrates strong financial performance with robust revenue growth and stable profitability margins. The company maintains low leverage and 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
85
Very Positive
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
78
Positive
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
82
Very Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue1.50B1.60B1.42B1.37B1.37B1.33B
Gross Profit1.55B1.60B1.41B1.33B1.41B1.33B
EBITDA170.48M190.40M163.43M165.67M173.99M156.98M
Net Income149.92M147.01M132.49M130.88M134.18M122.79M
Balance Sheet
Total Assets8.97B8.94B8.74B8.61B8.78B8.37B
Cash, Cash Equivalents and Short-Term Investments419.62M271.05M287.06M312.04M203.41M175.73M
Total Debt199.36M157.21M162.50M160.16M37.00M32.00M
Total Liabilities6.46B6.39B6.40B6.33B6.33B6.25B
Stockholders Equity2.51B2.55B2.34B2.28B2.45B2.12B
Cash Flow
Free Cash Flow84.81M63.46M41.87M67.20M75.00M62.41M
Operating Cash Flow107.69M118.53M81.43M86.33M109.64M85.96M
Investing Cash Flow-47.07M-74.46M-43.09M-33.73M-31.81M-50.23M
Financing Cash Flow-20.99M-59.53M-63.81M57.01M-50.15M-58.93M

Vaudoise Assurances Holding SA Technical Analysis

Technical Analysis Sentiment
Negative
Last Price613.00
Price Trends
50DMA
630.64
Negative
100DMA
624.33
Negative
200DMA
575.14
Positive
Market Momentum
MACD
-1.73
Positive
RSI
40.46
Neutral
STOCH
7.94
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:VAHN, the sentiment is Negative. The current price of 613 is below the 20-day moving average (MA) of 623.45, below the 50-day MA of 630.64, and above the 200-day MA of 575.14, indicating a neutral trend. The MACD of -1.73 indicates Positive momentum. The RSI at 40.46 is Neutral, neither overbought nor oversold. The STOCH value of 7.94 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:VAHN.

Vaudoise Assurances Holding SA Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$78.77B15.6323.97%4.99%-7.33%17.93%
76
Outperform
€1.80B11.936.06%3.92%-1.58%4.07%
73
Outperform
$39.65B13.3617.22%4.03%-4.94%-5.71%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
CHF8.85B20.264.13%-9.11%73.67%
67
Neutral
$24.19B20.4517.11%4.09%-1.65%10.05%
59
Neutral
CHF10.31B18.913.43%-1.57%95.56%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CH:VAHN
Vaudoise Assurances Holding SA
613.00
165.13
36.87%
CH:BALN
Baloise Holding AG
197.50
31.92
19.28%
CH:HELN
Helvetia Holding AG
195.60
51.41
35.65%
CH:SLHN
Swiss Life Holding AG
860.20
180.99
26.65%
CH:ZURN
Zurich Insurance Group
565.40
71.84
14.55%
CH:SREN
Swiss Re AG
148.90
41.79
39.01%

Vaudoise Assurances Holding SA Corporate Events

Vaudoise Strengthens Pension Fund Consulting with Ecofin Acquisition
Oct 1, 2025

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.

The most recent analyst rating on (CH:VAHN) stock is a Buy with a CHF702.00 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 Expands with New Bern-Wankdorf Hub
Sep 2, 2025

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
Aug 27, 2025

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
Aug 20, 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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 17, 2025