Swiss Life Holding (0QMG) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Swiss Life Holding CHF 315, price CHF 885, upside -64.4%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Swiss Life Holding
0QMG · LSEStretched ValuationStrong overvaluation with only moderate quality.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range CHF 347.25 – CHF 956.50 · fair‑value band CHF 261.78 – CHF 386.08 · the CHF 884.50 price screens above the CHF 314.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.
Company profile
Swiss Life Holding AG provides life, pensions, and financial solutions for private and corporate clients. It operates through Switzerland, France, Germany, International, Asset Managers, and Other segments. The company offers a various life, pension, health, annuity, and investment-type policies to groups and individuals, as well as disability coverage.
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Swiss Life Holding AG provides life, pensions, and financial solutions for private and corporate clients. It operates through Switzerland, France, Germany, International, Asset Managers, and Other segments. The company offers a various life, pension, health, annuity, and investment-type policies to groups and individuals, as well as disability coverage. It also provides property and casualty, liability and motor, accident, health, and payment protection insurance products. In addition, the company manages assets and provides advisory services. Further, it engages in the private equity, information technology, real estate, finance, banking, reinsurance, brokering, and investment funds businesses. Additionally, the company distributes its products through its sales force and distribution partners. It provides its products under the Swiss Life Select, Tecis, Horbach, Proventus, and Chase de Vere brands. The company also operates in the United Kingdom and Luxembourg. Swiss Life Holding AG was founded in 1857 and is headquartered in Zurich, Switzerland.
Stock analysis
Swiss Life Holding (0QMG) currently trades at CHF 884.50, while our model-based Fair Value estimate is CHF 314.70, 64.4% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of CHF 302.49 per share, and 0 of the 6 models we run sit above the CHF 884.50 price.
Bear case: the Asset-Based group reads lowest at CHF 138.98, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: CHF 261.78 (bear) to CHF 386.08 (bull), the price of CHF 884.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Swiss Life Holding reported revenue of CHF 24.3B in FY2025 versus CHF 21.5B in FY2021, a compound +3.1%/yr. Reported net income was CHF 1.3B in FY2025, compounding +0.2%/yr from FY2021.
Key figures
Market cap CHF 25.2B · P/E ratio 0.1 · EPS (TTM) CHF 39.93 · Dividend yield 4.1% · Net margin 5.2% · Return on equity 16.6% · Return on assets (EBIT) 0.8% · Operating margin 16.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 15% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −64%, 0QMG screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 53 · Market factors (momentum, volatility) 62
Revenue & earnings trend
Growth Forecast
0QMG screens overvalued: fair value 64% below the price. Compare with Allianz SE →
Compare Swiss Life Holding with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 82 stocks
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: UK Stocks
- Valuation of the UK market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Allianz SE ALV | €412.00 | €229.84 | −44% |
| Zurich Insurance Group ZURN | CHF 563.60 | CHF 328.80 | −42% |
| AXA SA CS | €41.90 | €36.28 | −13% |
| Assicurazioni Generali S.p.A G | €42.75 | €10.92 | −74% |
| Sun Life Financial Inc SLF | $79.48 | $41.03 | −48% |
| American International Group AIG | $74.17 | $71.58 | −3% |
| Talanx AG TLX | €117.40 | €91.88 | −22% |
| The Hartford Insurance Group HIG | $126.04 | $115.03 | −9% |
| Arch Capital Group ACGL | $94.26 | $127.51 | +35% |
| Sampo Oyj SAMPO | €8.81 | €6.08 | −31% |
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Key figures of Swiss Life Holding
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