Bâloise Holding AG, together with its subsidiaries, primarily engages in the insurance and banking businesses in Switzerland, Germany, Belgium, Luxembourg. More Details
6 star dividend payer and fair value.
Share Price & News
How has Bâloise Holding's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BALN is not significantly more volatile than the rest of Swiss stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: BALN's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: BALN underperformed the Swiss Insurance industry which returned 37.9% over the past year.
Return vs Market: BALN exceeded the Swiss Market which returned 17% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Bâloise Holding's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StThis Is Why Bâloise Holding AG's (VTX:BALN) CEO Compensation Looks Appropriate
1 month ago | Simply Wall StBâloise Holding AG's (VTX:BALN) Stock Been Rising But Financials Look Weak: Should Shareholders Be Worried?
2 months ago | Simply Wall StWhat You Need To Know About The Bâloise Holding AG (VTX:BALN) Analyst Downgrade Today
Is Bâloise Holding undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BALN (CHF149.9) is trading below our estimate of fair value (CHF263.14)
Significantly Below Fair Value: BALN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BALN's PE Ratio (15.5x) is in line with the Swiss Insurance industry average.
PE vs Market: BALN is good value based on its PE Ratio (15.5x) compared to the Swiss market (24.2x).
Price to Earnings Growth Ratio
PEG Ratio: BALN is poor value based on its PEG Ratio (3.4x)
Price to Book Ratio
PB vs Industry: BALN's PB Ratio (1x) is in line with the CH Insurance industry average.
How is Bâloise Holding forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BALN's forecast earnings growth (4.5% per year) is above the savings rate (-0.3%).
Earnings vs Market: BALN's earnings (4.5% per year) are forecast to grow slower than the Swiss market (12.8% per year).
High Growth Earnings: BALN's earnings are forecast to grow, but not significantly.
Revenue vs Market: BALN's revenue is expected to decline over the next 3 years (-9.3% per year).
High Growth Revenue: BALN's revenue is forecast to decline over the next 3 years (-9.3% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BALN's Return on Equity is forecast to be low in 3 years time (7.9%).
How has Bâloise Holding performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BALN has high quality earnings.
Growing Profit Margin: BALN's current net profit margins (5.1%) are lower than last year (6.5%).
Past Earnings Growth Analysis
Earnings Trend: BALN's earnings have grown by 0.8% per year over the past 5 years.
Accelerating Growth: BALN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BALN had negative earnings growth (-37.3%) over the past year, making it difficult to compare to the Insurance industry average (-12.7%).
Return on Equity
High ROE: BALN's Return on Equity (6.1%) is considered low.
How is Bâloise Holding's financial position?
Financial Position Analysis
Short Term Liabilities: BALN's short term assets (CHF22.5B) exceed its short term liabilities (CHF10.0B).
Long Term Liabilities: BALN's short term assets (CHF22.5B) do not cover its long term liabilities (CHF71.3B).
Debt to Equity History and Analysis
Debt Level: BALN's debt to equity ratio (69.9%) is considered high.
Reducing Debt: BALN's debt to equity ratio has reduced from 83.8% to 69.9% over the past 5 years.
Debt Coverage: BALN's debt is not well covered by operating cash flow (1.7%).
Interest Coverage: BALN's interest payments on its debt are well covered by EBIT (13x coverage).
What is Bâloise Holding current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BALN's dividend (4.27%) is higher than the bottom 25% of dividend payers in the Swiss market (1.56%).
High Dividend: BALN's dividend (4.27%) is in the top 25% of dividend payers in the Swiss market (3.61%)
Stability and Growth of Payments
Stable Dividend: BALN's dividends per share have been stable in the past 10 years.
Growing Dividend: BALN's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (66.4%), BALN's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BALN's dividends in 3 years are forecast to be covered by earnings (57.6% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Gert Winter (54 yo)
Mr. Gert De Winter, M.Sc., has been Group Chief Executive Officer of Bâloise Holding AG since January 1, 2016. He performed various roles at Accenture in Brussels for issues relating to IT and business tra...
CEO Compensation Analysis
Compensation vs Market: Gert's total compensation ($USD2.24M) is about average for companies of similar size in the Swiss market ($USD2.14M).
Compensation vs Earnings: Gert's compensation has been consistent with company performance over the past year.
Experienced Management: BALN's management team is considered experienced (4 years average tenure).
Experienced Board: BALN's board of directors are considered experienced (3.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bâloise Holding AG's company bio, employee growth, exchange listings and data sources
- Name: Bâloise Holding AG
- Ticker: BALN
- Exchange: SWX
- Founded: 1863
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: CHF6.753b
- Shares outstanding: 45.05m
- Website: https://www.baloise.com
Number of Employees
- Bâloise Holding AG
- Aeschengraben 21
Bâloise Holding AG, together with its subsidiaries, primarily engages in the insurance and banking businesses in Switzerland, Germany, Belgium, Luxembourg. It operates through Non-Life, Life, Asset Managem...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/13 01:46|
|End of Day Share Price||2021/05/12 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.