VAT Stock Overview

Provides financial products and services in the areas of financing, payments, savings, investments, and retirement planning in Switzerland. More details

VAT fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	1/6
Past Performance	4/6
Financial Health	3/6
Dividends	6/6

Rewards

Trading at 26.9% below our estimate of its fair value

Earnings are forecast to grow 2.11% per year

Earnings grew by 3.5% over the past year

Pays a high and reliable dividend of 4.87%

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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Valiant Holding AG Competitors

Price History & Performance

Summary of share price highs, lows and changes for Valiant Holding
Historical stock prices
Current Share Price	CHF 127.40
52 Week High	CHF 134.20
52 Week Low	CHF 124.40
Beta	0.31
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	6.88%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	VAT	DE Banks	DE Market
7D	1.3%	-0.8%	-0.9%
1Y	n/a	30.8%	14.1%

Return vs Industry: Insufficient data to determine how VAT performed against the German Banks industry.

Return vs Market: Insufficient data to determine how VAT performed against the German Market.

Price Volatility

Is VAT's price volatile compared to industry and market?
VAT volatility
VAT Average Weekly Movement	n/a
Banks Industry Average Movement	4.8%
Market Average Movement	6.5%
10% most volatile stocks in DE Market	12.7%
10% least volatile stocks in DE Market	3.1%

Stable Share Price: VAT's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine VAT's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1824	1,018	Ewald Burgener	www.valiant.ch

Valiant Holding AG, together with its subsidiaries, provides financial products and services in the areas of financing, payments, savings, investments, and retirement planning in Switzerland. The company offers savings; real estate financing; loans for working capital and other basic services for businesses; unsecured and consumer loans; payment transactions and other banking transactions through Valiant app; and retirement planning and investment solutions. It provides its products and services to private clients, affluent clients, self-employed individuals and small companies, and medium-sized companies.

Valiant Holding AG Fundamentals Summary

How do Valiant Holding's earnings and revenue compare to its market cap?
VAT fundamental statistics
Market cap	€2.02b
Earnings (TTM)	€162.36m
Revenue (TTM)	€588.87m

12.4x

P/E Ratio

0.7x

P/B Ratio

Is VAT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
VAT income statement (TTM)
Revenue	CHF 549.08m
Cost of Revenue	CHF 0
Gross Profit	CHF 549.08m
Other Expenses	CHF 397.70m
Earnings	CHF 151.39m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Jul 25, 2025

Earnings per share (EPS)	9.59
Gross Margin	100.00%
Net Profit Margin	27.57%
Debt/Equity Ratio	446.0%

How did VAT perform over the long term?

See historical performance and comparison

Dividends

4.9%

Current Dividend Yield

61%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/23 23:43
End of Day Share Price	2025/05/23 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

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.

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 Github.

Analyst Sources

Valiant Holding AG is covered by 9 analysts. 3 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
Andreas von Arx	Baader Helvea Equity Research
Tobias Brutsch	Bank Vontobel AG
Michael Heider	Berenberg