Helvetia Baloise Holding AG HBAN.SW
Composite 46/100; the shares have moved about 16% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Quality ranks 30/100 — a moderate mark against it.
Income ranks 78/100 — a strong point in its favour. Momentum ranks 68/100 — a moderate point in its favour. Valuation ranks 55/100 — a slight point in its favour.
Quality ranks 30/100 — a moderate mark against it. Balance-sheet strength ranks 34/100 — a moderate mark against it. Growth ranks 44/100 — a slight mark against it.
What the company does Helvetia Baloise Holding AG is a Swiss-based diversified insurer offering life, non-life, reinsurance, and asset management across Switzerland, Europe, and internationally. Its product mix spans property, motor, health/accident, marine, aviation, and art insurance, alongside pension plans and savings products.
Key financials The company reports modest profitability with ROE at 6% and ROA at 1% despite strong revenue growth of 18%. Net margin stands at 5%, while gross and operating margins are 24% and 13%, respectively. Debt/equity is 1.10x, and the dividend yield is 4% with a payout ratio of 65%.
Stock health Sideravia’s overall score is 50/100, flagging weak quality despite fair valuation. Strength (34) and Quality (32) scores trail, while Income (83) and Momentum (62) are brighter. Piotroski F-Score is 5/9 and Altman Z-score is negative at -0.47, indicating elevated bankruptcy risk.
Price vs fair value The stock trades at a PREMIUM of 17% to our fair-value estimate of 177.42 and a discount of 8% to the 12-month target of 231.36. - Net margin at 5% lags peers (Valuation 63.4). - ROE of 6% is below industry norms (Quality 32). - Revenue growth of 18% outpaces EPS growth of 3% (Growth 59). - Dividend yield of 4% is supported by payout of 65% (Income 83). - Momentum over 12 months is 13% despite weak profitability metrics (Momentum 62).
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.