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Vaudoise Assurances Holding SA
(VAHN)
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Rating:77Outperform
Price Target:
CHF806.00
▲(8.92% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by strong financial stability (very low leverage, steady profitability, and improved 2025 cash generation). Valuation is supportive with a moderate P/E and a solid dividend yield. Technical signals are constructive but mostly neutral, limiting upside conviction in the near term.
Positive Factors
Steady Revenue Growth
A multi-year upward revenue trajectory, with acceleration in 2025, indicates continued expansion of the insurance business rather than reliance on a single reporting period. Sustained premium and service growth can support investment capacity and reinforce the group’s market position over the next several quarters.
Negative Factors
Moderate Return on Equity
Although steady ROE indicates dependable profitability, its moderate level suggests the company is not generating especially strong returns on shareholder capital. This may limit the pace of value creation and indicates that the conservative capital structure is accompanied by less aggressive earnings efficiency.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady Revenue Growth
A multi-year upward revenue trajectory, with acceleration in 2025, indicates continued expansion of the insurance business rather than reliance on a single reporting period. Sustained premium and service growth can support investment capacity and reinforce the group’s market position over the next several quarters.
Read all positive factors
Vaudoise Assurances Holding SA (VAHN) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF2.12B
Dividend Yield3.8%
Average Volume (3M)1.06K
Price to Earnings (P/E)13.3
Beta (1Y)0.44
Revenue Growth13.54%
EPS Growth3.12%
CountryCH
Employees2,013
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,000,000
10 Day Avg. Volume833
30 Day Avg. Volume1,056
Financial Highlights & Ratios
PEG Ratio2.37
Price to Book (P/B)0.80
Price to Sales (P/S)1.29
P/FCF Ratio21.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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, gen...
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)
- Premium...
Vaudoise Assurances Holding SA Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
88
Very Positive
Cash Flow
74
Positive
| 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
Negative
740.00
Price Trends
760.80
Negative
776.35
Negative
758.26
Negative
Market Momentum
-11.92
Positive
29.50
Positive
15.15
Positive
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 740 is above the 20-day moving average (MA) of 738.65, below the 50-day MA of 760.80, and below the 200-day MA of 758.26, indicating a bearish trend. The MACD of -11.92 indicates Positive momentum. The RSI at 29.50 is Positive, neither overbought nor oversold. The STOCH value of 15.15 is Positive, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | CHF2.12B | 13.34 | 5.71% | 3.80% | 13.54% | 3.12% | |
75 Outperform | CHF38.86B | 10.41 | 20.19% | 4.38% | -11.54% | 19.88% | |
74 Outperform | CHF84.91B | 9.24 | 36.04% | 5.24% | 19.34% | 11.57% | |
70 Outperform | CHF20.62B | 25.41 | ― | 3.73% | 53.69% | -69.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | CHF5.02B | 13.09 | 14.87% | 3.37% | 11.49% | 51.27% | |
66 Neutral | CHF24.93B | 19.34 | 19.32% | 4.09% | -0.45% | 10.49% |
* Financial Sector Average
CH:VAHN
Vaudoise Assurances Holding SA
710.00
99.17
16.24%
CH:HBAN
Helvetia Holding AG
206.60
13.40
6.93%
CH:SLHN
Swiss Life Holding AG
892.80
58.91
7.06%
CH:VONN
Vontobel Holding AG
88.90
30.07
51.12%
CH:ZURN
Zurich Insurance Group
573.00
28.63
5.26%
CH:SREN
Swiss Re AG
143.75
-0.84
-0.58%
Vaudoise Assurances Holding SA Corporate Events
Vaudoise Asset Management strengthens board after Procimmo acquisition
Oct 7, 2026
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 ma...
Vaudoise Opens Renovated “Cèdre” Headquarters to Public During European Heritage Days
Sep 13, 2026
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 archite...
Vaudoise launches sustainable timber housing project in Zurich
Sep 11, 2026
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 ...
Vaudoise Assurances Raises CHF 220 Million in Two‑Tranche Swiss Bond Issue
Sep 9, 2026
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...
Vaudoise boosts non-life growth and profits, sets stage for digital and leadership shift
Sep 2, 2026
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 ...
Vaudoise Assurances mobilises rapid response to CHF 10 million hail losses
Aug 31, 2026
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 anticipate...
Vaudoise Again Scores Top Marks in 2026 Swiss Insurance Satisfaction Surveys
Aug 31, 2026
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 stro...
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.