Vaudoise Assurances Holding SA (VDASF) fair value: what the stock is really worth
As of Aug 7, 2026: fair value of Vaudoise Assurances Holding SA $954, price $477, upside +100.0%, quality 58 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
33‑month range $349.25 – $477.00 · fair‑value band $715.50 – $1,193 · the $477.00 price screens below the $954.00 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 SA (VDASF) currently trades at $477.00, while our model-based Fair Value estimate is $954.00, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $841.08 per share, and 4 of the 4 models we run sit above the $477.00 price.
Bear case: the Asset-Based group reads lowest at $736.67, and 0 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $715.50 (bear) to $1,193 (bull), the price of $477.00 sits below 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 58/100 (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 SA reported revenue of CHF 1.7B in FY2025 versus CHF 1.4B in FY2021, a compound +4.9%/yr. Reported net income was CHF 156M in FY2025, compounding +3.9%/yr from FY2021.
Key figures
Market cap $1.4B · P/E ratio 8.9 · P/S ratio 0.82 · EPS (TTM) $53.52 · Dividend yield 5.7% · Net margin 9.2% · Return on equity 6.1% · Return on assets 1.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 8% 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 100%, VDASF screens cheaper than that median.
Fair Value models
Bear $715.50Fair Value $954.00Bull $1,193
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 ($20.05 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.69/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.8%
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.
+7.4%
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.
+4.9%
Start year 2020 (pandemic)
Revenue growth 6 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.
+4.3%
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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.
+8.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.2%
Dividend (yield on the price)5.7%
Growth Forecast
Little optimism in the price
The price assumes less growth than 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).
−17.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CHF, Switzerland: IMF forecast 0.6% a year to 2030, 0.8% from 2016 to 2025) that is about −17.9% a year for the price.
Compare Vaudoise Assurances Holding SA 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 · 81 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside+7.2% · Top 25%
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)5.7% · Top 25%
Balance sheet
Debt / equity0.06× · Lowest 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Vaudoise Assurances Holding SA Fair Value". https://www.fairvalue-calculator.com/stock/VDASF
Frequently asked questions
Is Vaudoise Assurances Holding SA (VDASF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $954.00 versus the last price from Aug 7, 2026 of $477.00, about +100% upside (undervalued).
What is the fair value of VDASF?
Our model-based fair value for Vaudoise Assurances Holding SA is $954.00 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Aug 7, 2026): $477.00.
What is the quality score of VDASF?
Vaudoise Assurances Holding SA has a Quality Score of 58/100. 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 SA (VDASF)?
Our model-based price target is the fair value of $954.00 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $715.50, optimistic scenario $1,193. It is a calculation from audited fundamentals, not an analyst target.
What is the Vaudoise Assurances Holding SA stock forecast for 2026?
Our models put fair value at $954.00, about +100% upside versus the last price from Aug 7, 2026 of $477.00 (undervalued). Cautious scenario $715.50, optimistic scenario $1,193. The calculation is refreshed regularly with new filings.
What is the revenue of Vaudoise Assurances Holding SA (VDASF)?
Vaudoise Assurances Holding SA reported trailing-twelve-month revenue of about CHF 1.6B (latest available figure, as of Sep 24, 2026).
Does Vaudoise Assurances Holding SA pay a dividend?
Vaudoise Assurances Holding SA currently shows a dividend yield of about 5.66% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Vaudoise Assurances Holding SA (VDASF)?
For today's price to be fair in a discounted-cash-flow model, Vaudoise Assurances Holding SA would have to grow free cash flow by -17.4 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of VDASF use?
Our models discount Vaudoise Assurances Holding SA at 9.8 %: a base by market capitalisation (small), damped by beta 0.24, country premium for USA. 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 SA that is -17.4 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Vaudoise Assurances Holding SA (VDASF) delivered so far?
Over the past 5 years revenue at Vaudoise Assurances Holding SA grew +4.9 % a year. The price currently implies -17.4 % 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 SA (VDASF) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Vaudoise Assurances Holding SA (-17.4 % 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 SA (VDASF)?
The free-cash-flow yield on the price is 18.64 %: that much free cash flow Vaudoise Assurances Holding SA produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), 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 SA (VDASF)?
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 SA it is $954.00 per share (as of Sep 24, 2026), against a price of $477.00. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Vaudoise Assurances Holding SA stock overvalued or undervalued in 2026?
As of Sep 24, 2026, VDASF trades below its calculated fair value: price $477.00, fair value $954.00, a gap of about +100% (undervalued). 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 VDASF?
No. The price is what the market pays today ($477.00); the fair value is what the company's own numbers justify ($954.00). For Vaudoise Assurances Holding SA the two are $477.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is Vaudoise Assurances Holding SA worth?
The market values Vaudoise Assurances Holding SA at about $1.4B (market capitalisation, as of Sep 24, 2026). Per share that is $477.00; our models calculate a fair value of $954.00 per share.
What do the bullish and bearish scenarios say about VDASF?
Our models span a range for Vaudoise Assurances Holding SA: cautious scenario $715.50, base $954.00, optimistic $1,193 per share (as of Sep 24, 2026, price $477.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VDASF?
Vaudoise Assurances Holding SA trades at a price-to-earnings ratio of 8.9 (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 $954.00 is built from several models across several years. Other multiples: P/B 0.5, P/S 0.9, EV/EBITDA 6.3.
How solid is the balance sheet of Vaudoise Assurances Holding SA (VDASF)?
Balance-sheet figures for Vaudoise Assurances Holding SA (as of Sep 24, 2026): return on equity 6.1%, debt of 0.06 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is VDASF from its 52-week high?
Vaudoise Assurances Holding SA trades at $477.00, at its 52-week high of $477.00 and 8% above the low of $442.90 (as of Aug 7, 2026). Distance from the high says nothing about value: that is what the fair value of $954.00 is for.
Which stocks are comparable to Vaudoise Assurances Holding SA?
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 SA stock attractive at the current price?
The data as of Sep 24, 2026: price $477.00, calculated fair value $954.00 (+100%), Quality Score 58/100, from 4 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 VDASF calculated?
We run Vaudoise Assurances Holding SA through 4 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 $954.00, 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 SA currently trades 50 % 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 SA (VDASF)?
The latest price we hold is from Aug 7, 2026 and stands at $477.00. Our model-based fair value is $954.00, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Vaudoise Assurances Holding SA right now?
The price is below even our cautious bear case ($715.50). The market is more pessimistic than our downside scenario. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Vaudoise Assurances Holding SA
How large is the market capitalisation of Vaudoise Assurances Holding SA (VDASF)?
The market capitalisation of Vaudoise Assurances Holding SA is $1.4B. 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 SA (VDASF)?
The price-to-sales ratio of Vaudoise Assurances Holding SA is 0.82 (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 SA (VDASF)?
Earnings per share at Vaudoise Assurances Holding SA are $53.52 (price ÷ EPS = P/E 8.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Vaudoise Assurances Holding SA (VDASF)?
The dividend yield of Vaudoise Assurances Holding SA is 5.7% (payout 50.4%). 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 SA (VDASF)?
The net margin of Vaudoise Assurances Holding SA is 9.2% (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 SA (VDASF)?
The return on equity (ROE) of Vaudoise Assurances Holding SA is 6.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Vaudoise Assurances Holding SA (VDASF)?
The return on assets (ROA) of Vaudoise Assurances Holding SA is 1.2% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Vaudoise Assurances Holding SA (VDASF)?
The operating margin of Vaudoise Assurances Holding SA 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 SA (VDASF)?
Revenue at Vaudoise Assurances Holding SA is growing +13.7% versus a year earlier (3y avg +7.4%). 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 SA (VDASF)?
Earnings per share at Vaudoise Assurances Holding SA are growing +36.2% versus a year earlier. How much earnings per share grew versus a year earlier.
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Broad data
Sep 24, 2026