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Vaudoise Assurances Holding SA (VAHN) AI Stock Analysis
Vaudoise Assurances Holding SA
(Six Swiss:VAHN)
Vaudoise Assurances scores as a stable, low-risk holding with moderate appeal. The strongest factor is its rock-solid balance sheet with minimal leverage and growing equity, providing excellent downside protection. Revenue growth has recently accelerated, and the 3.4% dividend yield adds income appeal. However, flat profit margins, inconsistent cash flow, and modest ROE limit upside potential. Technically, the stock is in a neutral zone with no strong momentum signals. Valuation is fair but not compelling. Overall, VAHN is best suited for conservative, income-oriented investors seeking stability in the Swiss insurance sector rather than dynamic capital appreciation.
Vaudoise Assurances Holding SA (VAHN) vs. iShares MSCI Switzerland ETF (EWL)
- Market Cap
- CHF 2.14B
- Dividend Yield
- 3.69%
- Average Volume (3M)
- 925
- Price to Earnings (P/E)
- 13.7
- Beta (1Y)
- 0.44
- Revenue Growth
- 13.54%
- EPS Growth
- 3.12%
- Country
- Switzerland
- Employees
- 2,013
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Diversified
Vaudoise Assurances Holding SA Business Overview & Revenue Model
Company Description
Vaudoise Assurances Holding SA is a Swiss-based insurer, primarily serving individual clients and small to medium-sized enterprises (SMEs) with a range of protection offerings. Its comprehensive portfolio includes coverage for vehicles, homes, genera...
How the Company Makes Money
Vaudoise Assurances Holding SA generates earnings primarily from (1) insurance underwriting and (2) investment and financial income on the assets it manages to back policyholder obligations. 1) Underwriting income (insurance operations) - Premiums: T...
Vaudoise Assurances Holding SA Financial Statement Overview
Summary
Vaudoise demonstrates solid financial stability with a strong balance sheet (score 78) featuring very low leverage and steadily growing equity. Revenue growth accelerated to ~10% in the most recent year, and net income has trended upward to CHF 156M. However, flat profit margins (9-10%) limit earnings upside, and inconsistent cash flow generation (score 55) — with notable dips in 2023 — tempers the overall financial picture. The blended financial score reflects a conservatively managed insurer with reliable but unspectacular profitability.
Income Statement
62PositiveBalance Sheet
78PositiveCash Flow
55Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.68B | 1.65B | 1.60B | 1.42B | 1.37B | 1.37B |
| Gross Profit | 591.41M | 583.54M | 1.60B | 1.41B | 1.33B | 1.41B |
| EBITDA | 186.70M | 193.36M | 190.40M | 163.43M | 165.67M | 173.99M |
| Net Income | 155.09M | 156.26M | 147.01M | 132.49M | 130.88M | 134.18M |
Balance Sheet | ||||||
| Total Assets | 9.24B | 9.00B | 8.94B | 8.74B | 8.61B | 8.78B |
| Cash, Cash Equivalents and Short-Term Investments | 584.91M | 226.74M | 271.05M | 287.06M | 312.04M | 203.41M |
| Total Debt | 184.60M | 149.19M | 157.21M | 162.50M | 160.16M | 37.00M |
| Total Liabilities | 6.47B | 6.34B | 6.39B | 6.40B | 6.33B | 6.33B |
| Stockholders Equity | 2.78B | 2.66B | 2.55B | 2.34B | 2.28B | 2.45B |
Cash Flow | ||||||
| Free Cash Flow | 101.45M | 100.88M | 63.46M | 41.87M | 67.20M | 75.00M |
| Operating Cash Flow | 129.37M | 136.35M | 118.53M | 81.43M | 86.33M | 109.64M |
| Investing Cash Flow | 122.65M | 72.76M | -74.46M | -43.09M | -33.73M | -31.81M |
| Financing Cash Flow | -85.34M | -89.31M | -59.53M | -63.81M | 57.01M | -50.15M |
Vaudoise Assurances Holding SA Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:VAHN, the sentiment is Negative. The current price of 738.00 is above the 20-day moving average (MA) of 730.60, below the 50-day MA of 743.26, and below the 200-day MA of 761.27, indicating a neutral trend. The MACD of -0.73 indicates Negative momentum. The RSI at 46.32 is Neutral, neither overbought nor oversold. The STOCH value of 52.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:VAHN.
Vaudoise Assurances Holding SA Peers Comparison
Overall Rating
CH:SREN80.5Outperform
CH:VONN74Outperform
CH:ZURN74Outperform
CH:HBAN70Outperform
CH:SLHN66Neutral- CH:VAHN61Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CH:SREN | 81Outperform | CHF 41.66B | 11.21 | 20.19% | 4.11% | -11.54% | 19.88% |
| CH:VONN | 74Outperform | CHF 5.02B | 13.28 | 14.87% | 3.33% | 11.49% | 51.27% |
| CH:ZURN | 74Outperform | CHF 92.06B | 10.19 | 36.04% | 4.80% | 19.34% | 11.57% |
| CH:HBAN | 70Outperform | CHF 21.77B | 26.94 | ― | 3.52% | 53.69% | -69.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| CH:SLHN | 66Neutral | CHF 26.53B | 20.73 | 19.32% | 3.81% | -0.45% | 10.49% |
| CH:VAHN | 61Neutral | CHF 2.14B | 13.75 | 5.71% | 3.69% | 13.54% | 3.12% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CH:VAHN | Vaudoise Assurances Holding SA | 732.00 | 126.00 | 20.79% | |
| CH:HBAN | Helvetia Holding | 219.00 | 25.60 | 13.24% | |
| CH:SLHN | Swiss Life Holding | 956.80 | 111.60 | 13.20% | |
| CH:VONN | Vontobel Holding AG | 90.20 | 33.29 | 58.49% | |
| CH:ZURN | Zurich Insurance Group | 625.60 | 92.98 | 17.46% | |
| CH:SREN | Swiss Re AG | 153.35 | 12.81 | 9.11% |
Vaudoise Assurances Holding SA Corporate Events
Vaudoise Asset Management strengthens board after Procimmo acquisition
Vaudoise Asset Management AG, the asset management arm of Vaudoise Versicherungen and owner of Procimmo Group AG, Berninvest AG and Vaudoise Real Estate AG, is sharpening its focus on indirect real estate investments and third‑party asset manag...
Vaudoise Opens Renovated “Cèdre” Headquarters to Public During European Heritage Days
Vaudoise Versicherungen opened its recently renovated Lausanne head office, known as “Cèdre”, to more than 500 visitors during the European Heritage Days, highlighting the building’s status as an icon of modern Swiss architectu...
Vaudoise launches sustainable timber housing project in Zurich
Vaudoise Versicherungen has begun construction of a flagship residential project in Zurich-Seebach, marking the foundation stone for a timber-built complex of 40 apartments near Oerlikon station. The development, financed by Vaudoise and executed by...
Vaudoise Assurances Raises CHF 220 Million in Two‑Tranche Swiss Bond Issue
Vaudoise Assurances Holding has raised CHF 220 million on the Swiss bond market through a two‑tranche domestic issue, comprising a four‑year CHF 100 million bond with a 0.90% coupon and an eight‑year CHF 120 million bond with a 1.25...
Vaudoise boosts non-life growth and profits, sets stage for digital and leadership shift
Groupe Vaudoise Versicherungen reported a net profit of CHF 82.9 million for the first half of 2026, up 3.0% year-on-year, on revenue of CHF 1,167.7 million, with non-life premiums rising 6.7% and clearly outpacing the Swiss market. Strong growth in...
Vaudoise Assurances mobilises rapid response to CHF 10 million hail losses
Swiss insurer Vaudoise Assurances is mobilising rapid claims support after a severe hailstorm on 28 August 2026 damaged vehicles across the Aarau, Olten, Solothurn and Zurich regions. The group has already logged more than 650 cases and anticipates o...
Vaudoise Again Scores Top Marks in 2026 Swiss Insurance Satisfaction Surveys
Swiss insurer Vaudoise has once again achieved above‑average customer satisfaction in 2026, ranking among the best‑rated providers for motor and household insurance in national surveys. Independent comparison platforms highlighted strong...
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: Aug 04, 2026