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Vaudoise Assurances Holding SA

Vaudoise Assurances Holding SA

VAHN · SW · Financial Services / Insurance - Diversified

764.00CHF+7.00 (+0.92%)

Price History

Full chart

Market Stats

Previous Close757.00
Open761.00
Day Range758.00 – 768.00
52-Week Range589.57 – 828.00
Volume682
Market Cap2.10B
P/E (TTM)13.45
Forward P/E7.17
EPS53.53
Dividend Yield3.71%
Beta0.24
50-Day Avg764.40
200-Day Avg771.35

About

Vaudoise Assurances Holding SA provides insurance products and services primarily in Switzerland. The company offers mobility insurance products, including car, motorcycle and scooter, classic car, motorhome, boat, and e-bike insurance, as well as legal protection for traffic; household and private liability, private building, construction, golf, valuable item, and pet insurance, as well as private legal protection insurance products; and computer assistance and troubleshooting, breakdown and home assistance, repatriation and medical care, and travel and cancellation insurance products. It also provides loss of earning due to illness, occupational pension plan, and accident insurance products; property protection solutions, such as business inventory, technical equipment, construction, commercial vehicle, and building insurance products; and corporate civil liability, corporate legal protection, and transport insurance products, as well as business assistance and services; and pensions and mortgage loans. The company sells its products through a network of agencies. The company was founded in 1895 and is headquartered in Lausanne, Switzerland. Vaudoise Assurances Holding SA operates as a subsidiary of Mutuelle Vaudoise, Société Coopérative.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Diversified
  • CEOMr. Jean-Daniel Laffely
  • Employees2.01K
  • HeadquartersPlace de Milan, Lausanne, Switzerland, 1001, Switzerland
  • Websitehttps://www.vaudoise.ch

Leadership

  • Mr. Jean-Daniel LaffelyChairman of Management Board, MD, CEO & General Director · b. 1965
  • Dr. Christoph BorgmannHead of Finance, CFO & Member of Management Board · b. 1974
  • Mr. Reto KuhnChief Investment Officer, Dir., Head of Asset Management Dep. & Member of the Management Board · b. 1964
  • Ms. Nathalie Follonier-KehrliDirector, CS, Member of Mgnt Board and Head of Corp. Comm., Legal & Comp.Depart. · b. 1975
  • Mr. Frédéric TraimondEVP, Head of Actuary & Reinsurance Dept, Deputy Gen. Dir., Chief Risk Off. and Mem. of Mgmt Board · b. 1969
  • Mr. Grégoire FracheboudDirector, Head of Sales & Marketing and Member of the Management Board · b. 1976
  • Mr. Stanislas BressangeHead of Digital Transformation & Information Systems, CTO and Member of Management Board
  • Mr. Patrick StreitDirector, Head of Asset Insurance Department and Head of the P&C Department · b. 1975
  • Kristel RouillerDirector, Chief Human Resources Officer & Member of Management Board
  • Bruno FerollesDirector, Member of Management Board and Head of the Personal Protection & Insurance Department

Financials

Income Statement

Currency: CHF2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.42B2.06B1.97B2.27B2.37B2.33B1.16B2.02B3.10B1.91B2.00B1.63B1.58B1.30B1.29B1.30B1.28B1.43B1.33B1.37B1.37B1.42B1.60B1.65B
Growth (%)-+45.06%-4.44%+15.38%+4.22%-1.30%-50.40%+74.18%+53.70%-38.26%+4.35%-18.43%-3.31%-17.42%-0.72%+0.52%-1.41%+11.49%-6.78%+3.05%-0.27%+3.54%+13.22%+2.72%
Cost of Revenue-----------1.33B1.27B1.01B976.12M978.42M983.25M--302.94M303.04M2.34M-1.00M1.06B
Gross Profit1.42B2.06B1.97B2.27B2.37B2.33B1.16B2.02B3.10B1.91B2.00B1.63B1.58B1.30B1.29B1.30B1.28B1.43B1.33B1.41B1.33B1.41B1.60B583.54M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%102.53%97.52%99.83%100.06%35.45%
Operating Expense1.27B1.97B1.89B2.18B2.56B2.51B755.96M1.95B2.24B1.54B1.84B1.45B1.40B1.13B1.11B1.09B1.10B1.25B1.19B1.26B1.22B1.27B1.44B406.28M
Operating Income150.15M83.90M76.99M88.23M-197.29M-174.38M401.96M69.22M855.89M376.93M158.27M180.93M180.28M165.94M184.58M204.81M178.55M179.75M137.34M143.70M113.78M145.69M166.41M177.26M
Operating Margin10.58%4.08%3.91%3.89%-8.34%-7.47%34.71%3.43%27.61%19.69%7.92%11.10%11.44%12.76%14.29%15.78%13.95%12.60%10.33%10.48%8.32%10.29%10.39%10.77%
EBITDA155.35M89.42M76.99M69.42M-186.07M-166.12M411.03M78.01M872.40M149.71M157.95M167.03M195.91M170.03M162.14M153.09M156.38M162.48M156.98M173.99M165.67M163.43M190.40M193.36M
EBITDA Margin10.95%4.34%3.91%3.06%-7.87%-7.12%35.50%3.87%28.14%7.82%7.91%10.25%12.44%13.07%12.55%11.79%12.22%11.39%11.80%12.69%12.12%11.55%11.88%11.75%
Net Income81.37M30.29M27.56M44.11M44.97M88.29M142.15M126.72M130.39M117.43M122.20M126.37M153.56M128.77M124.81M120.65M127.52M133.96M122.79M134.18M130.88M132.49M147.01M156.26M
Net Income Margin5.73%1.47%1.40%1.94%1.90%3.78%12.28%6.28%4.21%6.14%6.12%7.76%9.75%9.90%9.66%9.29%9.96%9.39%9.23%9.79%9.57%9.36%9.17%9.49%
Interest Expense69.97M54.91M52.53M51.30M256.61M287.45M228.84M91.72M690.90M230.84M5.94M7.57M8.35M8.87M7.14M4.75M5.18M3.92M173.00K87.00K889.00K3.04M2.73M2.85M
Interest Expense % of Total Revenue4.93%2.67%2.67%2.26%10.85%12.31%19.76%4.55%22.29%12.06%0.30%0.46%0.53%0.68%0.55%0.37%0.40%0.28%0.01%0.01%0.07%0.21%0.17%0.17%

Balance Sheet

Currency: CHF2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets7.77B8.34B8.82B6.94B8.04B8.96B8.75B10.20B11.22B11.12B11.63B11.48B7.42B7.62B7.77B7.94B8.09B8.27B8.37B8.78B8.61B8.74B8.94B9.00B
Total Liabilities7.49B8.03B8.49B6.55B7.59B8.43B8.11B9.44B10.32B10.11B10.49B57.13M62.86M69.09M75.92M69.78M68.11M6.26B6.25B6.33B6.33B6.40B6.39B6.34B
Total Equity279.53M314.99M328.59M390.42M443.20M530.55M638.69M760.55M897.42M1.01B1.14B1.29B1.46B1.54B1.64B1.73B1.78B2.01B2.12B2.45B2.28B2.34B2.55B2.66B
Cash41.23M72.10M40.83M76.70M46.15M89.30M215.74M399.06M243.84M130.91M122.59M235.31M281.62M246.69M199.73M291.22M196.00M198.93M135.73M203.41M312.04M287.06M271.05M226.74M
Total Debt----69.26M70.85M45.88M22.50M-62.22M47.64M54.65M20.99M32.98M23.57M24.33M80.92M61.88M50.03M37.00M160.16M162.50M157.21M149.19M
Net Debt-41.23M-72.10M-40.83M-76.70M23.11M-18.45M-169.86M-376.56M-243.84M-68.69M-74.94M-235.31M-260.63M-213.71M-176.16M-266.89M-115.08M-137.05M-103.73M-166.41M-11.88M-124.56M-113.84M-77.55M

Cash Flow

Currency: CHF2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow246.90M546.64M587.34M846.67M940.59M827.75M310.39M886.50M1.28B183.65M36.97M-34.67M-4.46B198.24M126.57M126.55M162.72M26.92M150.06M148.18M74.74M81.43M118.53M136.35M
Investing Cash Flow230.97M556.77M619.96M852.15M-971.93M-779.44M-153.32M-691.08M-1.43B-287.13M-19.41M184.35M4.55B-189.25M-134.62M-3.78M-211.62M25.74M-146.34M-70.27M-21.25M-43.09M-74.46M72.76M
Financing Cash Flow8.95M41.00M1.35M38.02M788.00K-5.16M-30.64M-12.11M-7.76M-9.45M-25.89M-36.96M-40.98M-43.92M-38.92M-31.27M-46.32M-49.72M-66.93M-50.24M55.14M-63.81M-59.53M-89.31M
Capital Expenditure000018.74M62.40M29.22M38.33M43.62M30.36M10.23M75.24M8.51M4.84M9.67M5.69M6.83M15.57M17.14M34.64M19.13M39.56M55.07M35.47M
Free Cash Flow246.90M546.64M587.34M846.67M921.86M765.35M281.17M848.18M1.24B153.29M26.74M-109.91M-4.47B193.40M116.90M120.86M155.89M11.35M132.92M113.54M55.61M41.87M63.46M100.88M
Dividends Paid--3.95M3.95M4.27M5.21M6.35M7.61M7.76M8.70M35.89M37.21M40.98M43.92M38.92M44.92M42.67M49.72M49.41M55.15M54.22M59.63M57.07M66.99M
FCF to OCF100.00%100.00%100.00%100.00%98.01%92.46%90.59%95.68%96.60%83.47%72.33%317.05%100.19%97.56%92.36%95.50%95.81%42.15%88.57%76.62%74.41%51.42%53.54%73.98%
Dividend Paid to FCF--0.67%0.47%0.46%0.68%2.26%0.90%0.63%5.68%134.21%-33.86%-0.92%22.71%33.29%37.17%27.37%438.29%37.18%48.57%97.49%142.42%89.93%66.41%

Earnings

Report DateApr 6, 2016Aug 18, 2016Jun 1, 2017Oct 2, 2017May 24, 2018Oct 3, 2018Apr 23, 2019Sep 9, 2019Mar 25, 2020Aug 1, 2020Mar 31, 2021Sep 2, 2021Mar 30, 2022Aug 31, 2022Mar 29, 2023Mar 27, 2025Aug 25, 2025
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.000.000.000.00-0.00-
EPS Actual13.2420.4621.9419.6721.3325.1418.1825.4320.0920.6921.3222.3123.5922.8221.9822.7428.89
Surprise-----------------
TimingPre-marketPre-market---After-hoursAfter-hours-Pre-marketAfter-hoursPre-marketPre-market--After-hours-Pre-market

Key Statistics & Ratios

Market Cap2.10B
Enterprise Value1.91B
Trailing P/E13.45
Forward P/E7.17
PEG Ratio4.42
Price / Sales1.28
Price / Book0.78
EPS53.53
Book Value912.38
Revenue (TTM)1.64B
Gross Profit (TTM)244.99M
EBITDA184.95M
Profit Margin9.69%
Operating Margin11.07%
Return on Equity6.00%
Return on Assets1.18%
Shares Outstanding915.15K
Shares Float901.34K
Beta0.24
Dividend Yield3.71%
Dividend Rate27.00
Payout Ratio49.58%

Dividends

20261×
27.00May 13, 2026
20251×
24.00May 14, 2025
20241×
22.00May 8, 2024
20231×
20.00May 10, 2023
20221×
18.00May 11, 2022
20211×
16.00May 12, 2021
20201×
15.00May 13, 2020
20191×
13.00May 15, 2019
20181×
12.00May 9, 2018
20171×
12.00May 10, 2017
20161×
12.00May 11, 2016
20151×
12.00May 20, 2015
20141×
11.00May 14, 2014
20131×
10.00May 10, 2013
20121×
9.00May 24, 2012
20111×
7.00May 19, 2011
20101×
6.00May 20, 2010
20091×
6.00May 29, 2009
20081×
5.00May 30, 2008
20071×
4.00May 25, 2007
20061×
3.00May 26, 2006
20051×
2.50Jun 17, 2005
20041×
2.50Jun 18, 2004
20021×
5.50Jun 14, 2002

Stock Splits

  • Jun 27, 200520:1