Bâloise Holding AG (BALN.SW)
ValueMarkers Composite Index
12% above intrinsic value ($195)
Bâloise Holding AG (BALN.SW) — VMCI valuation read
Headline read on BALN.SW: VMCI of 52/100 versus a Financial Services sector median of 50. The 2-point above-median position is what makes Bâloise Holding AG a relative-value candidate in the mid-cap cohort, before any pillar-level review.
Form 4 filings on BALN.SW: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.
**Investor frame.** Three reads on BALN.SW: value (BALN.SW trades at 25.0x earnings, 39% above the Financial Services median of 18.0x), quality (ROIC of 19.0% sits 9.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of 0.0x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.
BALN.SW fell 0.2% over the trailing 7 days, with a -23.8% read on a 30-day basis.
Bâloise Holding AG, together with its subsidiaries, primarily engages in the insurance and banking businesses in Switzerland, Germany, Belgium, Luxembourg. It operates through Non-Life, Life, Asset Management & Banking, and Other Activities segments. The company offers various non-life insurance products, including accident, health, general liability, motor, fire and other property, marine, credit protection, and legal expenses insurance. It also provides life insurance products, which include endowment policies, such as conventional and unit-linked life insurance; group life insurance products; term insurance; immediate and deferred annuities; and policy riders, including premium waiver, accidental death, and disability. In addition, the company operates Baloise Bank SoBa, a bank in Switzerland; and offers asset management services. Further, it has interests in equity investment companies, real-estate firms, and financing companies. The company sells its products and services to individuals, small and medium sized enterprises, and industrial clients. Bâloise Holding AG was founded in 1863 and is headquartered in Basel, Switzerland.
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