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Vontobel Holding AG (CH:VONN)
:VONN
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Vontobel Holding AG (VONN) AI Stock Analysis

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CH:VONN

Vontobel Holding AG

(VONN)

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Neutral 67 (OpenAI - 5.2)
Rating:67Neutral
Price Target:
CHF86.00
▲(7.23% Upside)
Action:Reiterated
Date:07/24/26
The score is anchored by elevated balance-sheet risk and cash-flow volatility in the financial statements, partially offset by strong earnings-call momentum (record profitability, reiterated targets, and strong capital metrics). Technicals are supportive with the price above key moving averages and positive MACD, while valuation is fair with a moderate P/E and a ~3.8% dividend yield.
Positive Factors
Very strong capital and liquidity
Exceptionally high CET1 and total capital ratios and ample liquidity provide durable loss-absorbing capacity and strategic optionality. This structural strength supports dividends, selective M&A, funding of organic growth initiatives and shields the firm from market shocks over the medium term.
Negative Factors
Sharp increase in leverage
A step-change in leverage materially elevates financial risk and reduces balance-sheet flexibility. Higher debt burdens constrain strategic optionality, increase sensitivity to funding costs and limit capital allocation choices, making the firm more vulnerable to adverse market or liquidity events over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Very strong capital and liquidity
Exceptionally high CET1 and total capital ratios and ample liquidity provide durable loss-absorbing capacity and strategic optionality. This structural strength supports dividends, selective M&A, funding of organic growth initiatives and shields the firm from market shocks over the medium term.
Read all positive factors

Vontobel Holding AG (VONN) vs. iShares MSCI Switzerland ETF (EWL)

Vontobel Holding AG Business Overview & Revenue Model

Company Description
Vontobel Holding AG provides a comprehensive suite of financial solutions to a diverse clientele, encompassing both private individuals and institutional entities. The company's operations are strategically divided into four key segments: Wealth M...
How the Company Makes Money
Vontobel primarily earns money from a mix of recurring fees and transaction-driven income across its wealth management and asset management activities. In wealth management (private clients and intermediaries), it generates revenue mainly from man...

Vontobel Holding AG Earnings Call Summary

Earnings Call Date:Jul 24, 2026
(Q2-2026)
|
% Change Since: |
Next Earnings Date:Feb 10, 2027
Earnings Call Sentiment Positive
The call communicated a strongly positive operational and financial performance: record profits, all-time high AUM, robust adjusted net new money, widening margins, significant efficiency savings and a very strong capital position. Headline negatives were manageable: FX translation losses (~CHF 30 million), known institutional outflows related to Raiffeisen Futura and the Quality Growth boutique, cyclical volatility in markets and some regulatory uncertainty. Management emphasized that underlying flows and business momentum (excluding known effects) are strong and that efficiency gains have improved structural profitability.
Positive Updates
Record Profitability
Net profit reached CHF 216 million, up 87% year-on-year; profit before tax CHF 273 million, up 84% year-on-year, driven by strong revenue momentum and operating leverage.
Negative Updates
Foreign Exchange Headwinds
Currency effects (strong Swiss franc and weaker USD) materially reduced reported results; management estimates profit before tax would have been around CHF 30 million higher absent FX translation headwinds.
Read all updates
Q2-2026 Updates
Negative
Record Profitability
Net profit reached CHF 216 million, up 87% year-on-year; profit before tax CHF 273 million, up 84% year-on-year, driven by strong revenue momentum and operating leverage.
Read all positive updates
Company Guidance
The management reiterated forward guidance to stay "ahead of our through‑the‑cycle targets" and to complete the efficiency program by year‑end, while continuing to scale the business and invest selectively; key targets reiterated were net new money for Private Clients of 4–6% annualized, a through‑the‑cycle cost/income target of 72% (current reported 67.9%, adjusted ~66%), and a dividend payout target of ~50% (AGM to set actual payout). They highlighted strong balance‑sheet capacity (CET1 23.2%, total capital ratio 28.1%, CET1 capital CHF 1.5bn, RWA CHF 6.5bn, liquidity coverage ratio 148%, total assets CHF 38.3bn) to fund organic growth, buy the remaining Ancala stake over time and pursue selective M&A, and noted timing on known outflows (Raiffeisen Futura handover by July 2027; CHF 1.3bn of Raiffeisen outflows in H1, ~CHF 12bn remaining). Financial momentum metrics underpinning the guidance included record net profit CHF 216m (+87%), profit before tax CHF 273m (+84%), operating income CHF 852m (+24% / +29% cc), AUM CHF 252bn (+5%; Private Clients CHF 132bn), group adjusted net new money CHF 6.3bn (5.9% annualized), Private Clients NNM CHF 2.5bn (4.1%), fixed‑income NNM annualized 15%, ROE 16.9% (vs. cost of equity ~8.5%), tangible BVPS CHF 36.5 (+8% H1), and cumulative efficiency exit‑rate savings CHF 116m (vs. original CHF 100m goal).

Vontobel Holding AG Financial Statement Overview

Summary
Profitability and the 2025 revenue rebound are positives (EBIT margin ~19%, net margin ~14.9%) and 2025 free cash flow is strong (~1.41B, ~0.96x net income). However, the balance sheet is a major risk: 2025 leverage surged (debt-to-equity ~6.52x vs. ~0.29–0.61x in 2021–2024) and cash flows have been historically volatile, with sharply negative free cash flow growth in 2025.
Income Statement
74
Positive
Balance Sheet
38
Negative
Cash Flow
62
Positive
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue2.03B1.54B1.42B1.30B1.67B1.95B
Gross Profit1.93B1.42B1.42B1.31B1.29B1.54B
EBITDA615.90M450.00M455.30M368.50M370.60M565.10M
Net Income380.60M280.10M266.10M214.70M229.80M373.80M
Balance Sheet
Total Assets38.29B34.74B32.86B29.15B30.51B32.40B
Cash, Cash Equivalents and Short-Term Investments2.80B12.66B12.47B9.89B11.01B17.19B
Total Debt18.40B16.02B644.80M806.70M1.22B629.00M
Total Liabilities35.65B32.26B30.63B27.05B28.49B30.33B
Stockholders Equity2.64B2.48B2.23B2.09B2.02B2.07B
Cash Flow
Free Cash Flow632.10M1.41B303.00M-74.80M871.70M508.70M
Operating Cash Flow698.20M1.48B356.80M-11.40M937.70M570.70M
Investing Cash Flow-184.40M-1.11B133.50M457.30M-4.53B1.29B
Financing Cash Flow164.30M-147.90M-470.00M-645.30M304.80M-291.40M

Vontobel Holding AG Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
CHF18.84B14.776.79%18.00%12.05%
70
Outperform
CHF6.89B26.1721.15%1.84%9.08%12.49%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
CHF5.00B13.219.43%3.74%11.49%51.27%
67
Neutral
CHF15.53B13.663.68%-0.29%31.63%
66
Neutral
CHF5.22B18.3712.14%4.07%-0.85%-25.22%
64
Neutral
CHF131.87B18.0210.26%2.02%-9.74%42.77%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CH:VONN
Vontobel Holding AG
89.70
31.45
53.99%
CH:UBSG
UBS Group AG
43.55
12.26
39.17%
CH:PGHN
Partners Group Holding AG
717.60
-332.34
-31.65%
CH:BAER
Julius Baer Group Ltd
75.80
20.66
37.48%
CH:EFGN
EFG International AG
17.08
1.80
11.78%
CH:VZN
VZ Holding AG
168.00
-4.93
-2.85%
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: Jul 24, 2026