Swiss Life Holding AG (0QMG) Price & Analysis
0QMG Stock Chart & Stats
- Day’s Range
- CHF 952.79 - CHF 965.20
- 52-Week Range
- CHF 793.20 - CHF 965.20
- Previous Close
- CHF 959.20
- Volume
- 4,151
- Average Volume (3M)
- 4,814
- Market Cap
- CHF 26.53B
- Enterprise Value
- CHF 41.36B
- Total Cash (Recent Filing)
- CHF 5.04B
- Total Debt (Recent Filing)
- CHF 16.31B
- Price to Earnings (P/E)
- 20.7
- Beta
- 0.85
- Next Earnings
- Mar 03, 2027
- EPS Estimate
- 24.68
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.80%
Bulls Say, Bears Say
Bulls Say
Diversified Fee And Premium Growth
Growth across asset management, advisory, unit-linked and insurance activities gives Swiss Life multiple recurring revenue engines. This diversification can improve earnings resilience and support reinvestment, while broader fee-based income reduces reliance on capital-intensive guaranteed products.
Strong Capital Generation
Strong remittances and excess solvency capital provide financial flexibility to support policyholder obligations, invest in growth and return capital. The sizeable capital buffer also strengthens resilience against adverse insurance, investment or regulatory developments over the medium term.
TELIS Expands Distribution Capacity
Adding 1,800 advisers expands Swiss Life’s distribution reach and creates a platform for selling insurance, pension and investment products. The expected operating contribution provides a tangible earnings benefit, while broader distribution can deepen client relationships over time.
Bears Say
Meaningful Leverage And Declining Equity
Meaningful leverage reduces balance-sheet flexibility and can increase sensitivity to changes in financing conditions and investment performance. Lower equity versus earlier years further limits the cushion available to absorb shocks, even though large, stable assets support the insurance platform.
Volatile Cash Generation
The sharp swings in operating and free cash flow indicate that insurance-liability and working-capital timing materially affect reported cash generation. This reduces predictability for capital allocation and makes sustained distributions or investment planning more dependent on annual operating conditions.
Regional Premium Weakness And Claims Pressure
Underperformance in France limits near-term top-line momentum in an important market, while declining health and protection premiums constrain scale benefits. A P&C combined ratio above 100% also signals underwriting pressure, requiring continued repricing and profitability actions.
Swiss Life Holding AG News
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Company Description
Swiss Life Holding AG
Headquartered in Zurich, Switzerland, and established in 1857, Swiss Life Holding AG offers a broad spectrum of financial services, including life insurance, pension provisions, and risk management solutions for both private individuals and corporate entities. The company operates through distinct segments encompassing Switzerland, France, Germany, its International division, and Asset Managers. Its product portfolio extends to various life, health, annuity, and investment-linked insurance policies for groups and individuals, complemented by disability coverage. Beyond life-related offerings, Swiss Life also underwrites property, casualty, liability, motor, and accident insurance. The firm additionally provides asset management and advisory services tailored for institutional clients. Diversifying its business, Swiss Life Holding AG also has stakes in private equity, information technology, real estate, banking, restaurant, and investment fund ventures. Distribution of its products occurs via a robust network of agents, financial advisors, and partners, with its international presence marked by brands such as Swiss Life Select, Tecis, Horbach, Proventus, Chase de Vere, and Fincentrum.
- Sector
- Financial
- Industry
- Insurance - Diversified
- CEO
- Matthias Aellig
- Employees
- 10,844
- Website
- www.swisslife.com
- Address
- General-Guisan-Quai 40, Zurich, ZH, 8022, CH
Swiss Life Holding AG (0QMG) Earnings & Revenues
0QMG Company Deck
0QMG Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive. Swiss Life reported broad-based growth in fee income, operating profit and net profit, strong capital generation, a 20.2% return on equity, progress toward its Swiss Life 2027 targets, the completed TELIS acquisition and a new CHF 250 million share buyback. The main challenges were higher taxes, lower direct investment income, weaker premiums in France and International, lower TPAM new assets, restructuring-related costs and reduced holding-company liquidity after the TELIS financing. Management nevertheless described the strategic program and financial targets as well on track.
View all GB:0QMG earnings summaries0QMG Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 3 | 5 |
| Technical Analysis | 2 | 3 | 5 |
| Moving Averages | 12 | 0 | 0 |