Helvetia Baloise Holding (HELNF) fair value: what the stock is really worth
As of Sep 28, 2026: fair value of Helvetia Baloise Holding $65.96, price $252, upside -73.8%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
- Add to watchlist
Helvetia Baloise Holding
HELNF · USWeakest SetupStrongly overvalued and low quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
48‑month range $63.00 – $271.94 · fair‑value band $49.47 – $82.45 · the $251.91 price screens above the $65.96 fair value. Dashed = 300-day average. As of Oct 3, 2026.
Company profile
Helvetia Baloise Holding AG engages in life and non-life insurance, and reinsurance business.
Show more
Helvetia Baloise Holding AG engages in life and non-life insurance, and reinsurance business. It offers life insurance products in the areas of investment-linked, group life, and traditional individual life others; non-life insurance products in the areas of property, motor vehicle, health/accident, liability, engineering, and transport; and pure risk, savings, endowment, and annuity insurance products, as well as pension plans and asset management services. The company also provides marine, aviation, and art insurance. It operates in Switzerland, Spain, Germany, Belgium, Luxembourg, Italian and Austrian Markets, France, and internationally The company was formerly known as Helvetia Holding AG and changed its name to Helvetia Baloise Holding AG in April 2022. Helvetia Baloise Holding AG was incorporated in 2017 and is headquartered in Basel, Switzerland.
Stock analysis
Helvetia Baloise Holding (HELNF) currently trades at $251.91, while our model-based Fair Value estimate is $65.96, 73.8% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Economic Profit group reads highest at a median of $124.15 per share, and 0 of the 6 models we run sit above the $251.91 price.
Bear case: the Dividend Discount group reads lowest at $60.26, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $49.47 (bear) to $82.45 (bull), the price of $251.91 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 38/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Helvetia Baloise Holding reported revenue of CHF 10.7B in FY2025 versus CHF 12.5B in FY2021, a compound −3.9%/yr. Reported net income was CHF 552M in FY2025, compounding +2.7%/yr from FY2021.
Key figures
Market cap $25.7B · P/E ratio 18.9 · P/S ratio 0.98 · EPS (TTM) $13.01 · Dividend yield 3.1% · Net margin 5.2% · Return on equity 6.3% · Return on assets (EBIT) 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 89% 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 −74%, HELNF screens richer than that median.
Fair Value models
All 6 models by family
Notify me when HELNF reaches fair value
Put HELNF on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Of which business quality 35 · Market factors (momentum, volatility) 68
Revenue & earnings trend
Growth Forecast
HELNF screens overvalued: fair value 74% below the price. Compare with Allianz SE →
Earlier news
- Helvetia Baloise Holding AG (HLVTY) (H1 2026) Earnings Call Highlights: 18. ...
- Helvetia Baloise Holding AG (VTX:HBAN) stock most popular amongst retail investors who own 44%, while private companies hold 34%
- Is Major S&P Index Inclusion Altering The Investment Case For Helvetia Baloise Holding (SWX:HBAN)?
- AM Best Removes From Under Review With Developing Implications and Affirms Credit Ratings of Helvetia Baloise Holding AG’s Main Operating Su
Compare Helvetia Baloise 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 · 81 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: US Stocks
- Valuation of the USA 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% |
| Swiss Life Holding SLHN | CHF 891.00 | CHF 413.93 | −54% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Helvetia Baloise Holding (HELNF) overvalued or undervalued?
What is the fair value of HELNF?
What is the quality score of HELNF?
What is the price target for Helvetia Baloise Holding (HELNF)?
What is the Helvetia Baloise Holding stock forecast for 2026?
What is the revenue of Helvetia Baloise Holding (HELNF)?
Does Helvetia Baloise Holding pay a dividend?
What growth is priced into Helvetia Baloise Holding (HELNF)?
What discount rate (WACC) does the fair value of HELNF use?
What is a reverse DCF?
How much growth has Helvetia Baloise Holding (HELNF) delivered so far?
How fast is the sector of Helvetia Baloise Holding (HELNF) growing?
What is the free cash flow yield of Helvetia Baloise Holding (HELNF)?
What is the intrinsic value of Helvetia Baloise Holding (HELNF)?
Is Helvetia Baloise Holding stock overvalued or undervalued in 2026?
Is fair value the same as the market price of HELNF?
How much is Helvetia Baloise Holding worth?
What do the bullish and bearish scenarios say about HELNF?
What is the P/E ratio of HELNF?
How solid is the balance sheet of Helvetia Baloise Holding (HELNF)?
How far is HELNF from its 52-week high?
Which stocks are comparable to Helvetia Baloise Holding?
Is Helvetia Baloise Holding stock attractive at the current price?
How is the fair value of HELNF calculated?
Is it still worth investing in stocks now?
What is the share price of Helvetia Baloise Holding (HELNF)?
What should I pay attention to with Helvetia Baloise Holding right now?
Where does the earnings growth of Helvetia Baloise Holding (HELNF) come from?
Key figures of Helvetia Baloise Holding
How large is the market capitalisation of Helvetia Baloise Holding (HELNF)?
What is the P/S ratio of Helvetia Baloise Holding (HELNF)?
What are the earnings per share of Helvetia Baloise Holding (HELNF)?
What is the dividend yield of Helvetia Baloise Holding (HELNF)?
What is the net margin of Helvetia Baloise Holding (HELNF)?
What is the return on equity of Helvetia Baloise Holding (HELNF)?
What is the EBIT return on assets of Helvetia Baloise Holding (HELNF)?
What is the operating margin of Helvetia Baloise Holding (HELNF)?
How fast is revenue growing at Helvetia Baloise Holding (HELNF)?
How fast are earnings growing at Helvetia Baloise Holding (HELNF)?
How much net cash does Helvetia Baloise Holding (HELNF) hold?
Watch Helvetia Baloise Holding in the live analysis
One click puts Helvetia Baloise Holding on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.