BLO Stock Overview

Primarily engages in the insurance and banking businesses in Switzerland, Germany, Belgium, Luxembourg. More details

BLO fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	2/6
Financial Health	3/6
Dividends	3/6

Rewards

Trading at 36.8% below our estimate of its fair value

Earnings are forecast to grow 16.28% per year

Risk Analysis

High level of non-cash earnings

Dividend of 4.69% is not well covered by earnings or free cash flows

Shares are highly illiquid

My Notes

Capture your thoughts, links and company narrative

Baloise Holding AG Competitors

Talanx

XTRA:TLX

€21.4b

Allianz

XTRA:ALV

€114.6b

NÜRNBERGER Beteiligungs-AG

XTRA:NBG6

€543.7m

RheinLand Holding

DUSE:RLV

€122.1m

Price History & Performance

Summary of share price highs, lows and changes for Baloise Holding
Historical stock prices
Current Share Price	CHF 18.00
52 Week High	CHF 18.00
52 Week Low	CHF 14.80
Beta	0.82
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	39.32%
5 Year Change	n/a
Change since IPO	37.97%

Recent updates

Shareholder Returns

	BLO	DE Insurance	DE Market
7D	0%	0.9%	-0.4%
1Y	n/a	22.3%	7.9%

Return vs Industry: Insufficient data to determine how BLO performed against the German Insurance industry.

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

Price Volatility

Is BLO's price volatile compared to industry and market?
BLO volatility
BLO Average Weekly Movement	n/a
Insurance Industry Average Movement	3.2%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.8%
10% least volatile stocks in DE Market	2.4%

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

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

About the Company

Founded	Employees	CEO	Website
1863	n/a	Michael Muller	www.baloise.com

Baloise 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 Management & Banking, and Other Activities segments. The company offers various non-life insurance products, including accident, health, general liability, motor, fire and other property, marine, credit protection, and legal expenses insurance.

Baloise Holding AG Fundamentals Summary

How do Baloise Holding's earnings and revenue compare to its market cap?
BLO fundamental statistics
Market cap	€8.03b
Earnings (TTM)	€273.81m
Revenue (TTM)	€6.34b

29.3x

P/E Ratio

1.3x

P/S Ratio

Is BLO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BLO income statement (TTM)
Revenue	CHF 5.87b
Cost of Revenue	CHF 4.91b
Gross Profit	CHF 965.70m
Other Expenses	CHF 712.00m
Earnings	CHF 253.70m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

Mar 25, 2025

Earnings per share (EPS)	5.60
Gross Margin	16.45%
Net Profit Margin	4.32%
Debt/Equity Ratio	71.9%

How did BLO perform over the long term?

See historical performance and comparison

Dividends

4.7%

Current Dividend Yield

138%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/10 17:49
End of Day Share Price	2024/09/12 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

Baloise Holding AG is covered by 21 analysts. 6 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
Guenther Hollfelder	Baader Helvea Equity Research
Stefan Schürmann	Bank Vontobel AG
Thomas Bateman	Berenberg