Vaudoise Assurances Holding SA provides insurance products and services to individuals and SMEs primarily in Switzerland. More Details
Undervalued with adequate balance sheet and pays a dividend.
Share Price & News
How has Vaudoise Assurances Holding's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: VAHN is not significantly more volatile than the rest of Swiss stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: VAHN's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: VAHN underperformed the Swiss Insurance industry which returned -11.8% over the past year.
Return vs Market: VAHN underperformed the Swiss Market which returned -0.7% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Vaudoise Assurances Holding's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StVaudoise Assurances Holding's (VTX:VAHN) Stock Price Has Reduced 15% In The Past Year
2 months ago | Simply Wall StShould Vaudoise Assurances Holding SA (VTX:VAHN) Be Part Of Your Dividend Portfolio?
3 months ago | Simply Wall StSentiment Still Eluding Vaudoise Assurances Holding SA (VTX:VAHN)
Is Vaudoise Assurances 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: VAHN (CHF466) is trading below our estimate of fair value (CHF952.94)
Significantly Below Fair Value: VAHN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: VAHN is good value based on its PE Ratio (11.4x) compared to the CH Insurance industry average (15.6x).
PE vs Market: VAHN is good value based on its PE Ratio (11.4x) compared to the Swiss market (22.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate VAHN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: VAHN is good value based on its PB Ratio (0.7x) compared to the CH Insurance industry average (0.9x).
How is Vaudoise Assurances Holding forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Insurance industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Vaudoise Assurances Holding has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether Vaudoise Assurances Holding is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Vaudoise Assurances Holding competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Insurance industry.
How has Vaudoise Assurances Holding performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: VAHN has high quality earnings.
Growing Profit Margin: VAHN's current net profit margins (9.3%) are lower than last year (9.8%).
Past Earnings Growth Analysis
Earnings Trend: VAHN's earnings have declined by 0.3% per year over the past 5 years.
Accelerating Growth: VAHN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: VAHN had negative earnings growth (-6.5%) over the past year, making it difficult to compare to the Insurance industry average (-17.1%).
Return on Equity
High ROE: VAHN's Return on Equity (6.2%) is considered low.
How is Vaudoise Assurances Holding's financial position?
Financial Position Analysis
Short Term Liabilities: VAHN's short term assets (CHF361.8M) do not cover its short term liabilities (CHF2.0B).
Long Term Liabilities: VAHN's short term assets (CHF361.8M) do not cover its long term liabilities (CHF4.2B).
Debt to Equity History and Analysis
Debt Level: VAHN is debt free.
Reducing Debt: VAHN had no debt 5 years ago.
Debt Coverage: VAHN has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: VAHN has no debt, therefore coverage of interest payments is not a concern.
What is Vaudoise Assurances Holding current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: VAHN's dividend (3.22%) is higher than the bottom 25% of dividend payers in the Swiss market (1.9%).
High Dividend: VAHN's dividend (3.22%) is low compared to the top 25% of dividend payers in the Swiss market (3.74%).
Stability and Growth of Payments
Stable Dividend: VAHN's dividends per share have been stable in the past 10 years.
Growing Dividend: VAHN's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (36.8%), VAHN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jean-Daniel Laffely (55 yo)
Mr. Jean-Daniel Laffely serves as Chief Executive Director and General Director at Vaudoise Assurances Holding SA since 2020. He is Chairman of the Management Board at Vaudoise Assurances Holding SA since ...
|Chairman of Management Board||0.83yr||no data||no data|
|Head of Finance||0.83yr||no data||no data|
|Chief Investment Officer||no data||no data||no data|
|Director||no data||no data||no data|
|Director||no data||no data||no data|
|Head of the Human Resources Department & Member of the Management Board||6.5yrs||no data||no data|
|Director of General Secretary and Head of Institutional Communication||no data||no data||no data|
|Head of Actuary/Reinsurance Department||2.83yrs||no data||no data|
|Director||2.83yrs||no data||no data|
Experienced Management: VAHN's management team is considered experienced (2.8 years average tenure).
|Non-Executive Director||4.5yrs||CHF137.33k||no data|
|Non-Executive Director||11.5yrs||CHF131.66k||no data|
|Non-Executive Chairman||11.5yrs||CHF460.01k||no data|
|Non-Executive Director||4.5yrs||CHF154.25k||no data|
|Non-Executive Director||21.83yrs||CHF154.25k||no data|
|Non-Executive Director||0.83yr||CHF2.29m||no data|
|Non-Executive Director||8.5yrs||CHF100.00k||no data|
|Non Executive Director||0.83yr||no data||no data|
Experienced Board: VAHN's board of directors are considered experienced (8.5 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.
Vaudoise Assurances Holding SA's company bio, employee growth, exchange listings and data sources
- Name: Vaudoise Assurances Holding SA
- Ticker: VAHN
- Exchange: SWX
- Founded: 1895
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: CHF1.372b
- Shares outstanding: 2.94m
- Website: https://www.vaudoise.ch
Number of Employees
- Vaudoise Assurances Holding SA
- Place de Milan
- Case postale 120
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|VAHN||SWX (SIX Swiss Exchange)||Yes||Class B Registered Shares||CH||CHF||Jan 1992|
|0QN7||LSE (London Stock Exchange)||Yes||Class B Registered Shares||GB||CHF||Jan 1992|
|VAHB||DB (Deutsche Boerse AG)||Yes||Class B Registered Shares||DE||EUR||Jan 1992|
Vaudoise Assurances Holding SA provides insurance products and services to individuals and SMEs primarily in Switzerland. The company offers vehicle, household, public liability, foresight, mortgage, and b...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/11/25 22:33|
|End of Day Share Price||2020/11/25 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.