Swiss Life Holding Past Earnings Performance

Past criteria checks 1/6

Swiss Life Holding's earnings have been declining at an average annual rate of -0.5%, while the Insurance industry saw earnings growing at 0.7% annually. Revenues have been declining at an average rate of 18.1% per year. Swiss Life Holding's return on equity is 14.3%, and it has net margins of 9.4%.

Key information

-0.5%

Earnings growth rate

2.3%

EPS growth rate

Insurance Industry Growth	6.3%
Revenue growth rate	-18.1%
Return on equity	14.3%
Net Margin	9.4%
Next Earnings Update	14 Mar 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Swiss Life Holding makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

SWX:SLHNE Revenue, expenses and earnings (CHF Millions)
Date	Revenue	Earnings	G+A Expenses
30 Jun 24	11,517	1,083	-5
31 Mar 24	11,308	1,083	-2
31 Dec 23	11,098	1,083	0
30 Sep 23	11,197	1,085	5
30 Jun 23	11,296	1,087	9
31 Mar 23	10,968	1,130	5
31 Dec 22	10,639	1,172	0
30 Sep 22	13,021	1,255	346
30 Jun 22	15,402	1,338	692
31 Mar 22	18,707	1,293	980
31 Dec 21	22,012	1,247	1,267
30 Sep 21	21,555	1,187	1,209
30 Jun 21	21,097	1,126	1,151
31 Mar 21	21,392	1,086	1,138
31 Dec 20	21,686	1,046	1,124
30 Sep 20	21,653	1,082	1,148
30 Jun 20	21,619	1,117	1,171
31 Mar 20	22,916	1,158	1,166
31 Dec 19	24,212	1,199	1,161
30 Sep 19	23,655	1,166	1,151
30 Jun 19	23,098	1,133	1,141
31 Mar 19	21,499	1,105	1,128
31 Dec 18	19,900	1,076	1,114
30 Sep 18	19,854	1,060	1,114
30 Jun 18	19,808	1,044	1,114
31 Mar 18	19,338	1,026	1,087
31 Dec 17	18,868	1,007	1,059
30 Sep 17	18,916	976	1,046
30 Jun 17	18,964	944	1,033
31 Mar 17	19,364	933	1,020
31 Dec 16	19,763	922	1,006
30 Sep 16	19,835	902	995
30 Jun 16	19,906	881	983
31 Mar 16	20,134	877	976
31 Dec 15	20,361	872	969
30 Sep 15	21,687	846	967
30 Jun 15	23,012	820	964
31 Mar 15	22,888	817	964
31 Dec 14	22,763	814	964
30 Sep 14	20,576	804	964
30 Jun 14	18,389	793	964
31 Mar 14	18,668	787	969
31 Dec 13	18,946	781	974

Quality Earnings: SLHNE has high quality earnings.

Growing Profit Margin: SLHNE's current net profit margins (9.4%) are lower than last year (9.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: SLHNE's earnings have declined by 0.5% per year over the past 5 years.

Accelerating Growth: SLHNE's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: SLHNE had negative earnings growth (-0.4%) over the past year, making it difficult to compare to the Insurance industry average (2.9%).

Return on Equity

High ROE: SLHNE's Return on Equity (14.3%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/18 06:30
End of Day Share Price	2024/12/18 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Swiss Life Holding AG is covered by 32 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Dieter Hein	AlphaValue
Daniel Bischof	Baader Helvea Equity Research
Stefan Schürmann	Bank Vontobel AG