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Helvetia Baloise Holding AG (HBAN) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Helvetia Baloise Holding AG

HBANMarket cap $25BPrice $247.9

Country🇨🇭Switzerland

SectorFinancials

IndustryInsurance

Sells insurance and pension products across Europe, formed by merging two 150-year-old Swiss rivals, Helvetia and Baloise, into a single powerhouse. The combined entity now manages billions in premiums, betting bigger beats being separate in a consolidating industry.

In Bastion Portfolios?

52W Return+1%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+13%8

Revenue Forecast

Rev CAGR (1y)+98%10

Rev CAGR (3y)+20%9

Rev CAGR (5y)+22%10

Earnings Forecast

EPS Growth Y+1+8%6

EPS Growth Y+2+10%7

EPS Growth Y+3+12%7

Quality

Margins

EBIT Margin7%3

Net Income Margin2%3

Free Cash Flow Margin3%4

Debt

Net Debt/EBITDA10.71

Efficiency

ROE4%3

ROA0%2

Earnings Stability55

GEAR+STRONG70

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)175

P/E Ratio (Forward 3y)145

P/BV1.77

EV Multiples

EV/EBITDA Fwd05

EV/EBIT Fwd05

Yield

Free Cash Flow Yieldna1

Dividend Yield3.7%8

Momentum

Short term

1 month return-2%7

3 month return-3%5

YTD return+2%5

Mid term

Price vs 52wHigh91%9

1 year return+6%6

Long term

3 year return+84%7

5 year return+146%8

Risk Shield

Price Risk

Beta0.48

Volatility18%10

Free Cash Flow

Free Cash Flow Margin3%4

Free Cash Flow Yieldna1

Quality

ROCE1%2

Earnings Stability55

Net Debt/EBITDA10.71

02Growth

Is it actually growing, and how fast?

HBANHelvetia Baloise Holding

Revenue FY25$13.0B

GROWTH RATING↗

VERY STRONG93 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%8

Revenue, next 1Y+98%10

Revenue, next 3Y, CAGR+20%9

Revenue, next 5Y, CAGR+22%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+8%6

EPS growth, FY27E+10%7

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

It out-grows 93% of companies worldwide.

Revenue grew 13%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 13%/yr over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 22%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 10%/yr vs revenue 20%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

HBANHelvetia Baloise Holding

Total return Current222%

Price return Current130%

MOMENTUM RATING↗

STRONG74 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-3%5

YTD return+2%5

MID & LONG-TERM▾SCORE

% of 52-week high91%9

1-year return+6%6

3-year return+84%7

5-year return+146%8

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +84% over three years and +146% over five, ahead of 70% of the market.

It's up 6% over the past year, but 9% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

Returns sit at the market level over three months (-3%) and so far this year (+2%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns and the stock sits near its highs. A reliable trend, if not the single hottest name in the market.

04Value

Are you paying a fair price for it?

Stop guessing on Helvetia Baloise Holding AG. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

HBANHelvetia Baloise Holding

Revenue FY25$13.0B

GROWTH RATING↗

VERY STRONG93 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%8

Revenue, next 1Y+98%10

Revenue, next 3Y, CAGR+20%9

Revenue, next 5Y, CAGR+22%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+8%6

EPS growth, FY27E+10%7

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

It out-grows 93% of companies worldwide.

Revenue grew 13%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 20%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 13%/yr over the last 3 years and is set to grow 20%/yr from here.

The runway holds up: revenue is set to grow 22%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 10%/yr vs revenue 20%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Reaccelerating Grower

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

HBANHelvetia Baloise Holding

Total return Current222%

Price return Current130%

MOMENTUM RATING↗

STRONG74 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-3%5

YTD return+2%5

MID & LONG-TERM▾SCORE

% of 52-week high91%9

1-year return+6%6

3-year return+84%7

5-year return+146%8

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +84% over three years and +146% over five, ahead of 70% of the market.

It's up 6% over the past year, but 9% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

Returns sit at the market level over three months (-3%) and so far this year (+2%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns and the stock sits near its highs. A reliable trend, if not the single hottest name in the market.

04Value

Are you paying a fair price for it?

Stop guessing on Helvetia Baloise Holding AG. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community