VATNz Stock Overview

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

VATNz fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	1/6
Past Performance	4/6
Financial Health	3/6
Dividends	5/6

Rewards

Trading at 16% below our estimate of its fair value

Earnings are forecast to grow 4.04% per year

Earnings have grown 4.6% per year over the past 5 years

Pays a reliable dividend of 5.34%

Risk Analysis

No risks detected for VATNz from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Valiant Holding AG Competitors

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.0b

Close Brothers Group

LSE:CBG

UK£332.2m

Price History & Performance

Summary of share price highs, lows and changes for Valiant Holding
Historical stock prices
Current Share Price	CHF 103.20
52 Week High	CHF 110.80
52 Week Low	CHF 94.30
Beta	0.52
1 Month Change	0%
3 Month Change	3.61%
1 Year Change	9.21%
3 Year Change	17.27%
5 Year Change	n/a
Change since IPO	-5.93%

Recent updates

Shareholder Returns

	VATNz	GB Banks	GB Market
7D	-1.1%	-1.3%	-2.2%
1Y	9.2%	32.4%	2.4%

Return vs Industry: VATNz underperformed the UK Banks industry which returned 32.4% over the past year.

Return vs Market: VATNz exceeded the UK Market which returned 2.4% over the past year.

Price Volatility

Is VATNz's price volatile compared to industry and market?
VATNz volatility
VATNz Average Weekly Movement	1.7%
Banks Industry Average Movement	3.7%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.5%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: VATNz has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: VATNz's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1824	926	Ewald Burgener	www.valiant.ch

Valiant Holding AG, together with its subsidiaries, provides financial products and services in the areas of financing, investments, retirement planning, payments, and savings 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, as well as electronic banking services. 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?
VATNz fundamental statistics
Market cap	CHF 1.63b
Earnings (TTM)	CHF 149.58m
Revenue (TTM)	CHF 556.55m

10.9x

P/E Ratio

0.6x

P/B Ratio

Is VATNz overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
VATNz income statement (TTM)
Revenue	CHF 556.55m
Cost of Revenue	CHF 0
Gross Profit	CHF 556.55m
Other Expenses	CHF 406.97m
Earnings	CHF 149.58m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Mar 25, 2025

Earnings per share (EPS)	9.47
Gross Margin	100.00%
Net Profit Margin	26.88%
Debt/Equity Ratio	433.6%

How did VATNz perform over the long term?

See historical performance and comparison

Dividends

5.3%

Current Dividend Yield

59%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 08:38
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
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

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
Gerhard Schwarz	Baader Helvea Equity Research
Volker Bosse	Baader Helvea Equity Research
Tobias Brutsch	Bank Vontobel AG

Valiant Holding BATS-CHIXE:VATNz Stock Report