Vaudoise Assurances Holding S.A. (0QN7) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Vaudoise Assurances Holding S.A. £734, price £723, upside +1.5%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 24, 2026.
How to read this chart
60‑month range £387.05 – £843.72 · fair‑value band £589.20 – £880.74 · the £723.00 price screens below the £734.07 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Vaudoise Assurances Holding SA provides insurance products and services primarily in Switzerland.
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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.
Stock analysis
Vaudoise Assurances Holding S.A. (0QN7) currently trades at £723.00, while our model-based Fair Value estimate is £734.07, so the stock looks roughly fairly valued today (gap 1.5%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of £731.71 per share, and 2 of the 6 models we run sit above the £723.00 price.
Bear case: the Dividend Discount group reads lowest at £236.09, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: £589.20 (bear) to £880.74 (bull), the price of £723.00 sits inside 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 54/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Vaudoise Assurances Holding S.A. reported revenue of £1.8B in FY2025 versus £1.4B in FY2021, a compound +7.7%/yr. Reported net income was £156M in FY2025, compounding +3.9%/yr from FY2021.
Key figures
Market cap £2.4B · P/E ratio 0.2 · P/S ratio 0.01 · EPS (TTM) £45.90 · Dividend yield 3.7% · Net margin 8.5% · Return on equity 6.1% · Return on assets (EBIT) 1.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at 2%, 0QN7 screens cheaper than that median.
Fair Value models
Bear £589.20Fair Value £734.07Bull £880.74
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (£14.29 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.68/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+19.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.7%
Start year 2020 (pandemic). Over 10 years: +3.1% a year
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.1%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+7.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.4%
Dividend (yield on the price)3.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.3.4% vs 2.1%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 10%
Start year 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+6.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about +4.0% a year for the price.
Compare Vaudoise Assurances Holding S.A. with another stock
Price, fair value, quality and upside side by side.
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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
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+1.5% · Above median
Profitability
Return on equity (TTM)6.1% · Below median
Return on assets1.2% · Below median
Net margin (TTM)9.8% · Above median
Operating margin (TTM)9.5% · Below median
Growth and dividend
Revenue growth13.7% · Above median
Dividend yield (TTM)3.7% · Below median
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
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Is Vaudoise Assurances Holding S.A. (0QN7) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of £734.07 versus a price of £723.00, about +2% upside (fairly valued).
What is the fair value of 0QN7?
Our model-based fair value for Vaudoise Assurances Holding S.A. is £734.07 (as of Sep 24, 2026), built from audited fundamentals. The current price: £723.00.
What is the quality score of 0QN7?
Vaudoise Assurances Holding S.A. has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Vaudoise Assurances Holding S.A. (0QN7)?
Our model-based price target is the fair value of £734.07 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario £589.20, optimistic scenario £880.74. It is a calculation from audited fundamentals, not an analyst target.
What is the Vaudoise Assurances Holding S.A. stock forecast for 2026?
Our models put fair value at £734.07, about +2% upside versus a price of £723.00 (fairly valued). Cautious scenario £589.20, optimistic scenario £880.74. The calculation is refreshed regularly with new filings.
What is the revenue of Vaudoise Assurances Holding S.A. (0QN7)?
Vaudoise Assurances Holding S.A. reported trailing-twelve-month revenue of about £1.6B (latest available figure, as of Sep 24, 2026).
Does Vaudoise Assurances Holding S.A. pay a dividend?
Vaudoise Assurances Holding S.A. currently shows a dividend yield of about 3.73% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Vaudoise Assurances Holding S.A. (0QN7)?
For today's price to be fair in a discounted-cash-flow model, Vaudoise Assurances Holding S.A. would have to grow free cash flow by +6.4 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0QN7 use?
Our models discount Vaudoise Assurances Holding S.A. at 9.0 %: a base by market capitalisation (mid), damped by beta 0.24, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Vaudoise Assurances Holding S.A. that is +6.4 % per year a year over ten years, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Vaudoise Assurances Holding S.A. (0QN7) delivered so far?
Over the past 5 years revenue at Vaudoise Assurances Holding S.A. grew +6.7 % a year. The price currently implies +6.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Vaudoise Assurances Holding S.A. (0QN7) growing?
The median revenue growth in the sector is +7.2 % a year. That is the yardstick for the growth priced into Vaudoise Assurances Holding S.A. (+6.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Vaudoise Assurances Holding S.A. (0QN7)?
The free-cash-flow yield on the price is 4.79 %: that much free cash flow Vaudoise Assurances Holding S.A. produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Vaudoise Assurances Holding S.A. (0QN7)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Vaudoise Assurances Holding S.A. it is £734.07 per share (as of Sep 24, 2026), against a price of £723.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Vaudoise Assurances Holding S.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0QN7 trades below its calculated fair value: price £723.00, fair value £734.07, a gap of about +2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0QN7?
No. The price is what the market pays today (£723.00); the fair value is what the company's own numbers justify (£734.07). For Vaudoise Assurances Holding S.A. the two are £11.07 per share apart. That gap is exactly why we show both numbers side by side.
How much is Vaudoise Assurances Holding S.A. worth?
The market values Vaudoise Assurances Holding S.A. at about £2.4B (market capitalisation, as of Sep 24, 2026). Per share that is £723.00; our models calculate a fair value of £734.07 per share.
What do the bullish and bearish scenarios say about 0QN7?
Our models span a range for Vaudoise Assurances Holding S.A.: cautious scenario £589.20, base £734.07, optimistic £880.74 per share (as of Sep 24, 2026, price £723.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0QN7?
Vaudoise Assurances Holding S.A. trades at a price-to-earnings ratio of 0.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £734.07 is built from several models across several years.
How solid is the balance sheet of Vaudoise Assurances Holding S.A. (0QN7)?
Balance-sheet figures for Vaudoise Assurances Holding S.A. (as of Sep 24, 2026): return on equity 6.1%. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is 0QN7 from its 52-week high?
Vaudoise Assurances Holding S.A. trades at £723.00, about 14% below its 52-week high of £843.72 and 18% above the low of £612.22 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of £734.07 is for.
Which stocks are comparable to Vaudoise Assurances Holding S.A.?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Vaudoise Assurances Holding S.A. stock attractive at the current price?
The data as of Sep 24, 2026: price £723.00, calculated fair value £734.07 (+2%), Quality Score 54/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0QN7 calculated?
We run Vaudoise Assurances Holding S.A. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £734.07, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Vaudoise Assurances Holding S.A. currently trades 2 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Vaudoise Assurances Holding S.A. (0QN7)?
The closing price on Oct 2, 2026 was £723.00. Our model-based fair value is £734.07, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Vaudoise Assurances Holding S.A. right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Vaudoise Assurances Holding S.A. (0QN7) come from?
Earnings per share at Vaudoise Assurances Holding S.A. grew +0.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.5 %, EBIT margin −3.9 %, tax rate +0.6 %, residual (interest, one-offs) +2.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Vaudoise Assurances Holding S.A.
How large is the market capitalisation of Vaudoise Assurances Holding S.A. (0QN7)?
The market capitalisation of Vaudoise Assurances Holding S.A. is £2.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Vaudoise Assurances Holding S.A. (0QN7)?
The price-to-sales ratio of Vaudoise Assurances Holding S.A. is 0.01 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Vaudoise Assurances Holding S.A. (0QN7)?
Earnings per share at Vaudoise Assurances Holding S.A. are £45.90 (price ÷ EPS = P/E 0.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Vaudoise Assurances Holding S.A. (0QN7)?
The dividend yield of Vaudoise Assurances Holding S.A. is 3.7% (payout 58.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Vaudoise Assurances Holding S.A. (0QN7)?
The net margin of Vaudoise Assurances Holding S.A. is 8.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Vaudoise Assurances Holding S.A. (0QN7)?
The return on equity (ROE) of Vaudoise Assurances Holding S.A. is 6.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Vaudoise Assurances Holding S.A. (0QN7)?
On an EBIT basis the return on assets of Vaudoise Assurances Holding S.A. is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Vaudoise Assurances Holding S.A. (0QN7)?
The operating margin of Vaudoise Assurances Holding S.A. is 9.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Vaudoise Assurances Holding S.A. (0QN7)?
Revenue at Vaudoise Assurances Holding S.A. is growing +13.7% versus a year earlier (3y avg +10.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Vaudoise Assurances Holding S.A. (0QN7)?
Earnings per share at Vaudoise Assurances Holding S.A. are growing +36.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Vaudoise Assurances Holding S.A. (0QN7) hold?
Vaudoise Assurances Holding S.A. holds more cash than debt, £77.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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