Vaudoise Assurances Holding SA (VAHN) AI Stock Analysis

• Market Cap: CHF2.40B
• Dividend Yield: 3.38%
• Average Volume (3M): 1.02K
• Price to Earnings (P/E): 13.6
• Beta (1Y): 0.35
• Revenue Growth: -1.58%
• EPS Growth: 4.07%
• Country: CH
• Employees: 2,009
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): N/A
• Shares Outstanding: 1,000,000
• 10 Day Avg. Volume: 731
• 30 Day Avg. Volume: 1,019
• PEG Ratio: 2.37
• Price to Book (P/B): 0.80
• Price to Sales (P/S): 1.29
• P/FCF Ratio: 21.00
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: CHF919.00 ▲(24.19% Upside)
• Action: Reiterated Date: 03/28/26
• Date: Action: Reiterated 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.

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 thr...

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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 thr...

How the Company Makes Money

Vaudoise Assurances Holding SA makes money primarily through (1) underwriting income from insurance operations and (2) investment income on the assets it holds to back policyholder liabilities and shareholders’ equity. 1) Underwriting (insurance)...

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Vaudoise Assurances Holding SA makes money primarily through (1) underwriting income from insurance operations and (2) investment income on the assets it holds to back policyholder liabilities and shareholders’ equity. 1) Underwriting (insurance)...

Vaudoise Assurances Holding SA Financial Statement Overview

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

• Technical Analysis Sentiment: Positive
• Last Price: 740.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 740 is below the 20-day moving average (MA) of 777.30, below the 50-day MA of 754.76, and above the 200-day MA of 674.15, indicating a bullish trend. The MACD of 20.20 indicates Negative momentum. The RSI at 73.32 is Negative, neither overbought nor oversold. The STOCH value of 87.49 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	80 Outperform	CHF2.40B	13.56	6.06%	3.38%	-1.58%	4.07%
ZURN	74 Outperform	CHF85.29B	15.20	23.97%	4.66%	-7.33%	17.93%
SREN	71 Outperform	CHF36.02B	10.08	14.51%	4.49%	-4.94%	-5.71%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SLHN	59 Neutral	CHF25.27B	9.77	12.52%	3.80%	-1.65%	10.05%

Vaudoise Assurances Holding SA Corporate Events