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VZ Holding AG (CH:VZN)
:VZN
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VZ Holding AG (VZN) AI Stock Analysis

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CH:VZN

VZ Holding AG

(LSE:VZN)

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Neutral 63 (OpenAI - 4o)
Rating:63Neutral
Price Target:
CHF180.00
▲(10.57% Upside)
VZ Holding AG's overall stock score is primarily driven by its strong financial performance, which is a significant strength. However, the bearish technical indicators and relatively high valuation suggest caution. The absence of earnings call and corporate events data limits additional insights.

VZ Holding AG (VZN) vs. iShares MSCI Switzerland ETF (EWL)

VZ Holding AG Business Overview & Revenue Model

Company DescriptionVZ Holding AG (VZN) is a Swiss financial services company that specializes in providing comprehensive asset management, insurance, and banking services. Operating primarily in the financial sector, VZN serves a diverse clientele, including private individuals and institutions, offering tailored solutions in wealth management, investment advisory, and pension planning. The company is committed to delivering high-quality financial products and services, leveraging its expertise to enhance client portfolios and ensure long-term financial stability.
How the Company Makes MoneyVZ Holding AG generates revenue through multiple streams, primarily from asset management fees, insurance premiums, and banking services. Its asset management division earns fees based on the assets under management, while the insurance segment collects premiums from various insurance products it offers. Additionally, the company generates income from financial advisory services, transactions, and interest from banking operations. Strategic partnerships with other financial institutions and investment firms enhance its offerings and broaden its market reach, contributing significantly to its overall earnings.

VZ Holding AG Financial Statement Overview

Summary
VZ Holding AG exhibits strong financial health with impressive revenue growth and robust profitability margins. The company has effective cash flow management, although its high reliance on liabilities could be a concern in changing economic conditions.
Income Statement
88
Very Positive
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
82
Very Positive
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
90
Very Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue567.54M517.36M420.69M392.00M332.18M
Gross Profit381.95M342.64M393.35M368.48M310.53M
EBITDA312.93M269.34M197.90M187.81M155.11M
Net Income218.22M186.94M151.10M142.59M117.27M
Balance Sheet
Total Assets7.49B6.54B5.95B5.77B4.97B
Cash, Cash Equivalents and Short-Term Investments1.91B1.69B1.46B1.89B1.75B
Total Debt754.95M553.35M538.40M1.04B946.29M
Total Liabilities6.43B5.61B5.18B5.07B4.36B
Stockholders Equity1.05B919.09M763.09M695.60M616.33M
Cash Flow
Free Cash Flow231.59M155.61M163.94M147.82M139.20M
Operating Cash Flow254.21M165.85M196.42M168.55M157.34M
Investing Cash Flow3.25M-30.85M-621.96M-661.88M-636.08M
Financing Cash Flow14.56M-1.21M497.48M544.01M370.86M

VZ Holding AG Technical Analysis

Technical Analysis Sentiment
Negative
Last Price162.80
Price Trends
50DMA
173.91
Negative
100DMA
173.35
Negative
200DMA
163.55
Negative
Market Momentum
MACD
-3.26
Positive
RSI
28.72
Positive
STOCH
8.09
Positive
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 162.8 is below the 20-day moving average (MA) of 173.14, below the 50-day MA of 173.91, and below the 200-day MA of 163.55, indicating a bearish trend. The MACD of -3.26 indicates Positive momentum. The RSI at 28.72 is Positive, neither overbought nor oversold. The STOCH value of 8.09 is Positive, 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

Overall Rating
UnderperformOutperform
Sector (55)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
26.75B22.3346.71%4.07%23.34%24.97%
66
Neutral
10.99B12.624.85%1.02%131.90%
64
Neutral
3.33B13.2411.93%5.03%3.80%15.49%
63
Neutral
CHF6.45B28.4622.69%1.68%8.15%12.24%
54
Neutral
312.52M-417.350.73%17.32%-4.06%-109.73%
39
Underperform
134.35M-1.84-60.15%
55
Neutral
$13.29B17.4210.03%0.93%7.13%-12.93%
* Services Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CH:VZN
VZ Holding AG
162.80
31.56
24.04%
CH:PGHN
Partners Group Holding AG
1,032.50
-189.33
-15.50%
CH:BAER
Julius Baer Group Ltd
53.66
4.73
9.67%
GMHLF
GAM Holding AG
0.08
-0.10
-55.56%
VONHF
Vontobel Holding AG
86.60
23.55
37.35%
CH:LEON
Leonteq AG
17.32
-5.44
-23.90%
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: Sep 18, 2025