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Vaudoise Assurances Holding SA
(VAHN)
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Rating:80Outperform
Price Target:
CHF919.00
â–²(24.19% Upside)
Action:Reiterated
Date:03/28/26
The score is driven primarily by solid financial performance—stable margins, accelerating 2025 revenue growth, and very low leverage—with improving cash generation. Technicals are positive but somewhat stretched (high Stoch and near-70 RSI), while valuation remains supportive with a moderate P/E and ~3% dividend yield.
Positive Factors
Conservative balance sheet
A very low debt-to-equity (~0.06) and an improving capital base provide durable financial flexibility for an insurer. This reduces solvency and refinancing risk, supports regulatory requirements and large-claim absorption, and enables disciplined capital allocation and stable underwriting capacity over time.
Negative Factors
Moderate return on equity
ROE of ~5.5–5.9% reflects conservative risk posture but signals limited capital efficiency. Persistently moderate ROE may constrain long-term per-share growth and requires larger equity to finance expansion, reducing leverage-based returns and potentially limiting total shareholder value creation versus higher-return peers.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
A very low debt-to-equity (~0.06) and an improving capital base provide durable financial flexibility for an insurer. This reduces solvency and refinancing risk, supports regulatory requirements and large-claim absorption, and enables disciplined capital allocation and stable underwriting capacity over time.
Read all positive factors
Vaudoise Assurances Holding SA (VAHN) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF2.35B
Dividend Yield3.36%
Average Volume (3M)1.02K
Price to Earnings (P/E)15.0
Beta (1Y)0.44
Revenue Growth5.93%
EPS Growth5.73%
CountryCH
Employees2,013
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,000,000
10 Day Avg. Volume731
30 Day Avg. Volume1,019
Financial Highlights & Ratios
PEG Ratio2.37
Price to Book (P/B)0.80
Price to Sales (P/S)1.29
P/FCF Ratio21.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Vaudoise Assurances Holding SA Business Overview & Revenue Model
Company Description
Vaudoise Assurances Holding SA is a Swiss-based insurer, primarily serving individual clients and small to medium-sized enterprises (SMEs) with a range of protection offerings. Its comprehensive portfolio includes coverage for vehicles, homes, gen...
How the Company Makes Money
Vaudoise Assurances Holding SA makes money primarily by underwriting insurance and managing invested assets backing its insurance liabilities.
1) Insurance premiums (core operating revenue)
- Non-life (property & casualty): The company collects p...
Vaudoise Assurances Holding SA Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
88
Very Positive
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.65B | 1.60B | 1.42B | 1.37B | 1.37B |
| Gross Profit | 583.54M | 1.60B | 1.41B | 1.33B | 1.41B |
| EBITDA | 193.36M | 190.40M | 163.43M | 165.67M | 173.99M |
| Net Income | 156.26M | 147.01M | 132.49M | 130.88M | 134.18M |
Balance Sheet | |||||
| Total Assets | 9.00B | 8.94B | 8.74B | 8.61B | 8.78B |
| Cash, Cash Equivalents and Short-Term Investments | 226.74M | 271.05M | 287.06M | 312.04M | 203.41M |
| Total Debt | 149.19M | 157.21M | 162.50M | 160.16M | 37.00M |
| Total Liabilities | 6.34B | 6.39B | 6.40B | 6.33B | 6.33B |
| Stockholders Equity | 2.66B | 2.55B | 2.34B | 2.28B | 2.45B |
Cash Flow | |||||
| Free Cash Flow | 100.88M | 63.46M | 41.87M | 67.20M | 75.00M |
| Operating Cash Flow | 136.35M | 118.53M | 81.43M | 86.33M | 109.64M |
| Investing Cash Flow | 72.76M | -74.46M | -43.09M | -33.73M | -31.81M |
| Financing Cash Flow | -89.31M | -59.53M | -63.81M | 57.01M | -50.15M |
Vaudoise Assurances Holding SA Technical Analysis
Neutral
740.00
Price Trends
792.62
Positive
784.27
Positive
725.28
Positive
Market Momentum
7.27
Negative
58.14
Neutral
71.72
Neutral
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 740 is below the 20-day moving average (MA) of 809.45, below the 50-day MA of 792.62, and above the 200-day MA of 725.28, indicating a neutral trend. The MACD of 7.27 indicates Negative momentum. The RSI at 58.14 is Neutral, neither overbought nor oversold. The STOCH value of 71.72 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | CHF2.35B | 14.96 | 6.05% | 3.38% | 5.93% | 5.73% | |
74 Outperform | CHF90.62B | 15.16 | 32.68% | 4.81% | -3.71% | 10.90% | |
73 Outperform | CHF36.63B | 14.37 | 14.51% | 4.68% | -10.43% | 35.93% | |
69 Neutral | CHF26.48B | 28.56 | 13.55% | 3.86% | -0.42% | 2.40% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CH:VAHN
Vaudoise Assurances Holding SA
803.00
193.14
31.67%
CH:SLHN
Swiss Life Holding AG
954.80
136.63
16.70%
CH:ZURN
Zurich Insurance Group
615.80
81.85
15.33%
CH:SREN
Swiss Re AG
134.85
-6.31
-4.47%
Vaudoise Assurances Holding SA Corporate Events
Vaudoise Assurances Closes Procimmo Deal to Boost Swiss Real Estate Asset Management
Jul 1, 2026
Vaudoise Assurances has completed the acquisition of Procimmo Group AG, giving it 97.2% of the real estate asset manager’s share capital and marking a major step in its expansion into indirect real estate investments. The deal strengthens Va...
Vaudoise shareholders back all board proposals and confirm governance continuity
May 11, 2026
Shareholders of Vaudoise Versicherungen Holding AG approved all proposals from the Board of Directors at the company’s 36th ordinary General Meeting in Lausanne. They endorsed the 2025 annual report and financial statements, backed the non-f...
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.