Vaudoise Assurances Holding SA provides insurance products and services to individuals and SMEs primarily in Switzerland.
Average dividend payer and fair value.
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's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: VAHN exceeded the Swiss Insurance industry which returned -15.2% over the past year.
Return vs Market: VAHN underperformed the Swiss Market which returned -5.9% over the past year.
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 StImagine Owning Vaudoise Assurances Holding (VTX:VAHN) And Wondering If The 24% Share Price Slide Is Justified
1 month ago | Simply Wall StVaudoise Assurances Holding SA's (VTX:VAHN) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?
2 months ago | Simply Wall StHow Much is Vaudoise Assurances Holding SA's (VTX:VAHN) CEO Getting Paid?
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 (CHF449) is trading below our estimate of fair value (CHF1044.18)
Significantly Below Fair Value: VAHN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: VAHN is poor value based on its PE Ratio (10.3x) compared to the Insurance industry average (9.5x).
PE vs Market: VAHN is good value based on its PE Ratio (10.3x) compared to the Swiss market (16.6x).
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 overvalued based on its PB Ratio (0.7x) compared to the CH Insurance industry average (0.7x).
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
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if VAHN's forecast earnings growth is above the savings rate (-0.6%).
Earnings vs Market: Insufficient data to determine if VAHN's earnings are forecast to grow faster than the Swiss market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: Insufficient data to determine if VAHN's revenue is forecast to grow faster than the Swiss market.
High Growth Revenue: Insufficient data to determine if VAHN's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if VAHN's Return on Equity is forecast to be high in 3 years time
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 (9.8%) are lower than last year (10.4%).
Past Earnings Growth Analysis
Earnings Trend: VAHN's earnings have declined by -3.8% 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 (-6.1%) over the past year, making it difficult to compare to the Insurance industry average (18.6%).
Return on Equity
High ROE: VAHN's Return on Equity (6.9%) is considered low.
How is Vaudoise Assurances Holding's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: VAHN has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if VAHN's debt is covered by short term assets.
Financial Institutions Analysis
Asset Level: VAHN's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if VAHN has a sufficient allowance for bad loans.
Low Risk Liabilities: VAHN reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if VAHN has an acceptable proportion of non-loan assets held.
Low Risk Deposits: VAHN has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if VAHN has an appropriate level of bad loans.
What is Vaudoise Assurances Holding's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: VAHN's dividend (2.9%) is higher than the bottom 25% of dividend payers in the Swiss market (2.11%).
High Dividend: VAHN's dividend (2.9%) is low compared to the top 25% of dividend payers in the Swiss market (4.26%).
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 (29.8%), 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
Philippe Hebeisen (64yo)
Mr. Philippe Hebeisen has been Chairman of the Management Board at Vaudoise Assurances Holding SA since 2009 and has been its Member of the Management Board since 1999. Mr. Hebeisen has been the Chief Exec ...
CEO Compensation Analysis
Compensation vs Market: Philippe's total compensation ($USD2.20M) is above average for companies of similar size in the Swiss market ($USD1.33M).
Compensation vs Earnings: Philippe's compensation has been consistent with company performance over the past year.
|Chairman of the Management Board||11.17yrs||CHF2.11m||no data|
|Vice Chairman of Mgmt. Board||8.17yrs||no data||no data|
|Chief Investment Officer||no data||no data||no data|
|Director||no data||no data||no data|
|Director of the Insurance Department for People & Member of the Management Board||no data||no data||no data|
|Head of the Human Resources Department & Member of the Management Board||5.83yrs||no data||no data|
|Director of General Secretary and Head of Institutional Communication||no data||no data||no data|
|Head of Maths/Reinsurance Dept||2.17yrs||no data||no data|
|Director||2.17yrs||no data||no data|
|Head of IT & Digital Transformation||no data||no data||no data|
Experienced Management: VAHN's management team is seasoned and experienced (5.8 years average tenure).
|Non-Executive Chairman||10.83yrs||CHF460.01k||no data|
Experienced Board: VAHN's board of directors are considered experienced (7.8 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: CHF1.292b
- 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, and mortgage insurance. It serves customers through its network of agencies. The company was founded in 1895 and is headquartered in Lausanne, Switzerland. Vaudoise Assurances Holding SA is a subsidiary of Mutuelle Vaudoise, Société Coopérative.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/31 20:49|
|End of Day Share Price||2020/03/31 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.