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During the past 12 months, Swiss Life Holding AG's average Book Value per Share Growth Rate was -0.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was -5.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -11.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -5.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Swiss Life Holding AG was 15.20% per year. The lowest was -19.30% per year. And the median was 4.90% per year.
Swiss Life Holding AG (OTCPK:SWSDF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Swiss Life Holding AG 3-Year Book Growth Rate Related Terms
SWSDF vs BRK.A, AIG, HIG: 3-Year Book Growth Rate Comparison
For the Insurance - Diversified subindustry, Swiss Life Holding AG's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Swiss Life Holding AG 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's 3-Year Book Growth Rate falls into.
Swiss Life Holding AG 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of -5.20% mean?
Swiss Life Holding AG (SWSDF) has a 3-Year Book Growth Rate of -5.20% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Swiss Life Holding AG and its competitors. According to the industry distribution chart, Swiss Life Holding AG ranks #435 out of 481 companies in the Insurance industry, placing it in the top 90.4%.
Is Swiss Life Holding AG's 3-Year Book Growth Rate too high?
Swiss Life Holding AG's current 3-Year Book Growth Rate is -5.20%. Based on the distribution chart, Swiss Life Holding AG ranks #435 out of 481 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Swiss Life Holding AG has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's 3-Year Book Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #435 out of 481 companies for 3-Year Book Growth Rate. This places Swiss Life Holding AG in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.30. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.30, based on 481 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Swiss Life Holding AG and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swiss Life Holding AG's current 3-Year Book Growth Rate is -5.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swiss Life Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Swiss Life Holding AG (SWSDF) is currently considered Modestly Overvalued. The stock's GF Value™ is $968.24, compared to a current price of $1,130.01 — trading 16.7% above its estimated fair value. The current 3-Year Book Growth Rate is -5.20%. Swiss Life Holding AG's overall GF Score™ is 73/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current 3-Year Book Growth Rate is -5.20% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Swiss Life Holding AG (SWSDF) Overvalued in 2026?
Based on GuruFocus' analysis, Swiss Life Holding AG stock appears to be overvalued.
The current stock price of $1,130.01 is trading 16.7% above its estimated GF Value™ of $968.24.
GuruFocus considers Swiss Life Holding AG to be Modestly Overvalued.
Key valuation signals for SWSDF:
3-Year Book Growth Rate: -5.20%
GF Value™: $968.24 vs. price of $1,130.01 (16.7% above fair value)
No single metric tells the full story. See the SWSDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swiss Life is predominantly a life and long-term savings company that generates the main share of its revenue and earnings from its domestic market of Switzerland. The company also operates in France, Germany, and a few smaller but wealthy European countries. The company has an asset manager as well. Swiss Life has three main sources of income that vary in significance by geography. Savings income relates to spread-based earnings, the risk result relates to a margin on insurance products, and the fee result relates to fees from asset management, financial advice, and unit-linked sales. The fee result has been growing in importance over time.
73GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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