VZ Holding AG (VZN) AI Stock Analysis

• Market Cap: CHF5.68B
• Dividend Yield: 1.82%
• Average Volume (3M): 39.07K
• Price to Earnings (P/E): 24.2
• Beta (1Y): 0.73
• Revenue Growth: 8.15%
• EPS Growth: 12.24%
• Country: CH
• Employees: 1,567
• Sector: Services
• Sector Strength: N/A
• Industry: Asset Management
• EPS (TTM): 3.15
• Shares Outstanding: 40,000,000
• 10 Day Avg. Volume: 77,920
• 30 Day Avg. Volume: 39,071
• PEG Ratio: 1.61
• Price to Book (P/B): 5.39
• Price to Sales (P/S): 10.01
• P/FCF Ratio: 24.53
• 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): 6.31
• Revenue Forecast (FY): CHF636.80M

• Rating: 63 Neutral
• Price Target: CHF180.00 ▲(17.80% Upside)
• Action: Reiterated Date: 10/22/25
• Date: Action: Reiterated 10/22/25

VZ Holding AG's strong financial performance is a significant positive factor, supported by robust revenue growth and profitability. However, bearish technical indicators and moderate valuation metrics temper the overall outlook. The absence of earnings call insights and corporate events means these factors do not influence the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market position and effective business model, supporting long-term financial stability and expansion.

Cash Flow Management

Strong cash flow management enhances financial flexibility and supports strategic investments, ensuring long-term operational sustainability.

Profitability Margins

High profitability margins reflect efficient operations and pricing power, contributing to sustained competitive advantage and shareholder value.

Negative Factors

Reliance on Liabilities

High reliance on liabilities may limit financial flexibility and increase vulnerability to economic downturns, impacting long-term stability.

EBIT Margin Decline

A declining EBIT margin could indicate rising costs or pricing pressures, potentially affecting future profitability and competitive positioning.

Debt-to-Equity Ratio

Moderate leverage may constrain growth opportunities and increase risk exposure, especially in volatile financial markets.

VZ Holding AG Business Overview & Revenue Model

Company Description

VZ Holding AG (VZN) is a Swiss financial services company that primarily operates in the sectors of finance, insurance, and asset management. The company offers a wide range of products and services, including personal banking, investment advisory, and pension solutions. VZN focuses on providing tailored financial solutions to both private and institutional clients, leveraging its expertise to enhance wealth management and financial planning.

How the Company Makes Money

VZ Holding AG generates revenue through several key streams, including fees from asset management services, commissions on financial products, and advisory fees for wealth management services. The company also earns income from its insurance products and investment solutions offered to clients. Significant partnerships with financial institutions and investment firms enhance VZN's capability to offer a comprehensive suite of services, while its strong brand reputation in Switzerland contributes to client retention and acquisition, ultimately driving its earnings.

VZ Holding AG Financial Statement Overview

Summary

VZ Holding AG shows strong financial health with impressive revenue growth and robust profitability margins. The company has effective cash flow management, but its high reliance on liabilities could be a concern in volatile markets.

Income Statement

VZ Holding AG has demonstrated strong revenue growth, with a consistent increase in total revenue over the years, culminating in a 9.7% growth from 2023 to 2024. The company also maintains healthy profitability metrics, including a gross profit margin of 67.3% and a net profit margin of 38.5% for 2024. However, there was a decrease in EBIT margin from 63.0% in 2023 to 46.4% in 2024, which slightly tempers the positive outlook.

Balance Sheet

The company's balance sheet shows a solid equity position with a debt-to-equity ratio of 0.72 in 2024, indicating moderate leverage. The return on equity is an impressive 20.7%, reflecting efficient use of equity. However, the equity ratio of 14.1% suggests reliance on liabilities, which could pose a risk in volatile markets.

Cash Flow

VZ Holding AG's cash flow performance is robust, with a significant free cash flow growth rate of 48.8% from 2023 to 2024. The operating cash flow to net income ratio stands at 1.2, indicating strong cash conversion efficiency. The free cash flow to net income ratio of 1.1 also highlights effective cash management and ability to generate cash relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	574.48M	567.54M	517.36M	420.69M	392.00M	332.18M
Gross Profit	484.02M	381.95M	342.64M	393.35M	368.48M	310.53M
EBITDA	307.53M	312.93M	269.34M	197.90M	187.81M	155.11M
Net Income	235.94M	218.22M	186.94M	151.10M	142.59M	117.27M
Balance Sheet
Total Assets	8.27B	7.49B	6.54B	5.95B	5.77B	4.97B
Cash, Cash Equivalents and Short-Term Investments	2.09B	1.91B	1.56B	1.46B	1.89B	1.75B
Total Debt	789.46M	754.95M	553.35M	538.40M	1.04B	946.29M
Total Liabilities	7.09B	6.43B	5.61B	5.18B	5.07B	4.36B
Stockholders Equity	1.18B	1.05B	919.09M	763.09M	695.60M	616.33M
Cash Flow
Free Cash Flow	580.72M	231.59M	161.43M	163.94M	147.82M	139.20M
Operating Cash Flow	595.13M	254.21M	165.85M	196.42M	168.55M	157.34M
Investing Cash Flow	-775.16M	3.25M	-30.85M	-1.11B	-131.17M	-172.48M
Financing Cash Flow	563.96M	14.56M	-1.21M	-62.70M	-42.87M	-58.37M

VZ Holding AG Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 152.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:VZN, the sentiment is Negative. The current price of 152.8 is above the 20-day moving average (MA) of 146.04, above the 50-day MA of 151.47, and below the 200-day MA of 162.30, indicating a bearish trend. The MACD of -2.27 indicates Negative momentum. The RSI at 41.49 is Neutral, neither overbought nor oversold. The STOCH value of 55.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:VZN.

VZ Holding AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PGHN	66 Neutral	CHF21.80B	18.57	―	4.30%	23.34%	24.97%
BAER	66 Neutral	CHF13.20B	15.54	―	4.14%	1.02%	131.90%
VONN	66 Neutral	CHF3.89B	14.06	11.11%	4.66%	3.80%	15.49%
VZN	63 Neutral	CHF5.68B	24.23	22.69%	1.82%	8.15%	12.24%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
LEON	47 Neutral	CHF251.53M	-7.33	―	21.87%	-4.06%	-109.73%
GAM	41 Neutral	CHF140.96M	-1.93	-128.43%	―	-60.15%	68.65%