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Vaudoise Assurances Holding S.A.

VAHN.SW
56
Insurance - Diversified · Financial Services
Also trades as: 0QN7.L GBP 7.14 (-0.70%)
Price
CHF 710.00
-6.00 (-0.84%)
Market Cap
CHF 2.07B
Exchange
SIX Swiss Exchange
Winston Score
56
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 10, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Mixed
10/30
Growth
Good
11/20
Cash Flow
Good
6/10
Stability
Exceptional
10/10
Valuation
Good
5/10
Ownership
Good
10/15
Dividends
Strong
4/5

56 of 100 counted points = Winston Score 56.

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§Winston Score History

The full picture

Vaudoise Assurances is a Swiss insurance company that sells coverage to individuals and businesses. Its main products include car insurance, home insurance, life insurance, and health-related policies. It is one of the larger regional insurers in Switzerland, with roots going back over 100 years and a strong focus on the Swiss domestic market.

The company earns money by collecting premiums from policyholders and investing those funds, a model common to traditional insurers. It operates almost entirely within Switzerland, which gives it deep local knowledge but also limits its growth runway. Its cooperative-style ownership structure and long-standing customer relationships provide some loyalty advantage over larger international competitors. The main risk is that rising claims costs from inflation or extreme weather events could squeeze the gap between premiums collected and payouts made, pressuring profitability over time.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+9.1% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-1.6% YoY

YoY Growth Rate

Earnings declining

R&D Spend

CHF 0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

13.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

CHF 8.8B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Vaudoise Assurances Holding S.A. is growing revenue at 9% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.4% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 2.9M (2021) → 2.9M (2025)

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
36.7%
Modest — 36.7% gross margin
Profit after running costs
Operating Margin
10.9%
Modest — 10.9% operating margin
Return on the money invested
ROCE
5.9%
Weak — 5.9% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+12.2%
Fast-growing sales (+12.2% YoY)
Profit growth
EPS YoY
+3.1%
Modest earnings growth (+3.1% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash
Cash Conversion
83%
Modest — 83% of profit becomes cash
Spare cash per sale
FCF Margin
6.0%
Modest free cash flow (6.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns
Debt / Equity
0.07
Conservative — low debt load (0.07)
Covers its interest
Interest Cover
63.01x
Comfortably covers interest (63.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
13.3x
Attractive valuation — P/E 13.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-0.1
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
3.61%
Moderate income — 3.61% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+50.0%
Dividend growing fast (50.0% YoY)

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