Swiss Life Holding AG (SZLMY)
ValueMarkers Composite Index
63% below intrinsic value ($158)
Swiss Life Holding AG (SZLMY) — VMCI valuation read
Headline read on SZLMY: VMCI of 46/100 versus a Financial Services sector median of 50. The 5-point below-median position is what makes Swiss Life Holding AG a relative-value laggard in the mid-cap cohort, before any pillar-level review.
Form 4 filings on SZLMY: 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 SZLMY: value (SZLMY trades at 17.0x earnings, 6% below 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 -0.3x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.
SZLMY fell 2.7% over the trailing 7 days, with a -1.0% read on a 30-day basis.
Swiss Life Holding AG provides life insurance, risk, pensions, and financial solutions for private and corporate clients. It operates through Switzerland, France, Germany, International, and Asset Managers segments. The company offers a range of life, pension, health, annuity, and investment-type policies to groups and individuals, as well as disability coverage. It also provides property and casualty, liability and motor, accident, and health insurance. In addition, the company manages assets and provides advisory services for institutional clients. Further, the company engages in the private equity, information technology, real estate, banking, restaurant, and investment funds businesses. Swiss Life Holding AG distributes its products through its agents, financial advisors, and distribution partners. The company operates in Switzerland and internationally under the Swiss Life Select, Tecis, Horbach, Proventus, Chase de Vere, and Fincentrum brands. Swiss Life Holding AG was founded in 1857 and is headquartered in Zurich, Switzerland.
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