SLHN:SIXSwiss Life Holding AG Analysis
Data as of 2026-03-10 - not real-time
CHF 844.20
Latest Price
4/10Risk
Risk Level: Medium
Executive Summary
Swiss Life Holding AG trades at CHF 844.2, just below its 20‑day SMA of 855.8 and 50‑day SMA of 866.2, while the MACD remains in a bearish configuration and the RSI sits at a neutral 45.
Fundamentally, the stock carries a PE of 20.35 versus an industry average of 17.38, a high dividend yield of 4.23% with an 84% payout ratio, and a DCF‑derived fair value that implies a modest downside of about 0.4%. The balance sheet is strong – CHF 79 bn cash against CHF 15.6 bn debt – but free cash flow is negative, raising questions about dividend sustainability. Analysts average a “hold” rating with median price targets around CHF 840, suggesting limited upside in the near term.
Fundamentally, the stock carries a PE of 20.35 versus an industry average of 17.38, a high dividend yield of 4.23% with an 84% payout ratio, and a DCF‑derived fair value that implies a modest downside of about 0.4%. The balance sheet is strong – CHF 79 bn cash against CHF 15.6 bn debt – but free cash flow is negative, raising questions about dividend sustainability. Analysts average a “hold” rating with median price targets around CHF 840, suggesting limited upside in the near term.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- Bearish MACD histogram and price below short‑term moving averages
- Neutral RSI indicating no strong momentum
- Stable volume with low beta suggesting limited price swings
Medium Term
1–3 yearsNeutral
Model confidence: 7/10
Key Factors
- Attractive dividend yield but high payout ratio and negative free cash flow
- Strong cash reserves offsetting debt concerns
- Low volatility and defensive insurance sector positioning
Long Term
> 3 yearsPositive
Model confidence: 7/10
Key Factors
- Potential valuation upside as price sits slightly above DCF fair value
- Long‑term income generation from a 4.2% dividend
- Robust balance sheet with ample liquidity to weather market cycles
Key Metrics & Analysis
Financial Health
Revenue Growth-5.50%
Profit Margin10.22%
P/E Ratio20.4
ROE16.65%
ROA0.52%
Debt/Equity223.06
P/B Ratio3.6
Op. Cash FlowCHF1.7B
Free Cash FlowCHF-2828624896
Industry P/E17.4
Technical Analysis
TrendNeutral
RSI45.1
SupportCHF 805.40
ResistanceCHF 888.40
MA 20CHF 855.79
MA 50CHF 866.20
MA 200CHF 855.08
MACDBearish
VolumeStable
Fear & Greed Index80.5
Valuation
Fair ValueCHF 2,815.50
Target PriceCHF 840.82
Upside/Downside-0.40%
GradeFair
TypeValue
Dividend Yield4.23%
Risk Assessment
Beta0.33
Volatility20.15%
Sector RiskLow
Reg. RiskMedium
Geo RiskMedium
Currency RiskMedium
Liquidity RiskLow
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.