Helvetia Baloise Holding HBAN.SW
Helvetia Baloise Holding is a diversified Swiss insurer offering life, non-life and reinsurance, with a business model focused on the domestic and European market. Helvetia Baloise shows 73% revenue growth but an 88.5% profit decline, a low ROE of 3.93%, and an unsustainable payout of 147%, reflecting weak financial health and poor business quality.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Helvetia Baloise Holding is a diversified Swiss insurer offering life, non-life and reinsurance, with a business model focused on the domestic and European market. Helvetia Baloise shows 73% revenue growth but an 88.5% profit decline, a low ROE of 3.93%, and an unsustainable payout of 147%, reflecting weak financial health and poor business quality.
Score by category
| Category | Score |
|---|---|
| Financial health | 1.7 |
| Quality / Moat | 1.8 |
| Valuation | 0.9 |
| Growth | 5.0 |
| Dividend | 3.2 |
| Momentum | 6.0 |
| Risk & Context | 8.4 |
OVERALL SCORE: 3.6/10
Context and risks
The rise in 10-year Treasury yields (5.17%) and the ECB's rate hike pressure the insurer's investment portfolio, though its average duration is not extreme. The fall in gold also affects its assets, but it is not a material risk to its core business.
News considered in the analysis
- Europe's STOXX 600 falls as autos, telecoms lead broad sell-off — La caída general del mercado europeo refleja el sentimiento de aversión al riesgo, pero no es específica de Helvetia. El efecto sobre el valor es indirecto y ya está parcialmente descontado en el precio.
- Helvetia Baloise Holding AG (HLVTY) (H1 2026) Earnings Call Highlights: 18. ... — Los resultados del primer semestre de 2026 muestran un crecimiento de ingresos del 73%, aunque el beneficio cae un 88,5%. La noticia es mixta: el fuerte crecimiento de ingresos es positivo, pero la caída de beneficios es preocupante.
- Helvetia Baloise Holding AG (VTX:HBAN) stock most popular amongst retail investors who own 44%, while private companies hold 34% — La estructura de propiedad no es una noticia que afecte a los fundamentales de la empresa. Es un dato informativo sin impacto en la valoración.
- Is Major S&P Index Inclusion Altering The Investment Case For Helvetia Baloise Holding (SWX:HBAN)? — La posible inclusión en un índice es especulativa y no tiene un impacto claro en los fundamentales. Se considera ruido.
Verdict: Hold, with risk of dividend cut and no clear catalysts in the short term.
Main risk: The 147% payout is unsustainable and could lead to a dividend cut, negatively impacting the stock.
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