Vaudoise Assurances Holding SA (CH:VAHN)
:VAHN
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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:ReiteratedDate: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
CHF2.39B
Dividend Yield3.38%
Average Volume (3M)1.02K
Price to Earnings (P/E)13.6
Beta (1Y)0.34
Revenue Growth5.93%
EPS Growth5.73%
CountryCH
Employees2,009
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 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)...
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
Positive
740.00
Price Trends
768.04
Positive
734.72
Positive
682.09
Positive
Market Momentum
21.27
Negative
64.95
Neutral
59.92
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 740 is below the 20-day moving average (MA) of 805.10, below the 50-day MA of 768.04, and above the 200-day MA of 682.09, indicating a bullish trend. The MACD of 21.27 indicates Negative momentum. The RSI at 64.95 is Neutral, neither overbought nor oversold. The STOCH value of 59.92 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | CHF2.39B | 13.56 | 6.06% | 3.38% | 5.93% | 5.73% | |
74 Outperform | CHF81.23B | 15.20 | 23.97% | 4.66% | -3.71% | 10.90% | |
71 Outperform | CHF25.96B | 9.77 | 12.52% | 3.80% | -0.42% | 2.40% | |
71 Outperform | CHF34.22B | 10.08 | 14.51% | 4.49% | -10.43% | 35.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CH:VAHN
Vaudoise Assurances Holding SA
818.00
239.42
41.38%
CH:SLHN
Swiss Life Holding AG
916.80
118.80
14.89%
CH:ZURN
Zurich Insurance Group
543.80
-7.96
-1.44%
CH:SREN
Swiss Re AG
125.95
-14.88
-10.57%
Vaudoise Assurances Holding SA Corporate Events
Vaudoise Delivers Record Profit, Raises Payouts and Deepens Real Estate Push
Mar 25, 2026
The Vaudoise Group reported a record net profit of CHF 156.3 million for 2025, up 16.7% year on year, driven mainly by strong growth in non-life premiums, an improved combined ratio of 96.4% and a higher investment return of 2.8%. Equity rose 5.8%...
Vaudoise to Take Control of Procimmo, Boosting Role in Swiss Real Estate Asset Management
Mar 18, 2026
Vaudoise Versicherungen Group, through its subsidiary Vaudoise Asset Management AG, is expanding from its core insurance, pensions and asset management businesses to become a larger player in third‑party real estate asset management in Switz...
Vaudoise and Zuger Kantonalbank Roll Out Digital Investment Platform for Pension Savers
Feb 12, 2026
Vaudoise Versicherungen has partnered with Zuger Kantonalbank to launch Vaudoise InvestPlus, a fully digital investment solution aimed at addressing evolving pension planning needs for private clients. The product offers five investment strategies...
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.