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Swiss Life Holding AGSWSDF 79 Capex-to-Operating-Cash-Flow is 0.11 as of Dec. 2025, which is 22% above its 10-year median of 0.09. GuruFocus rates SWSDF with a GF Score™ of 79/100 and a GF Value™ of $1,124.04 (Fairly Valued). The stock has 9 warning signs investors should review. Among 295 Insurance companies, Swiss Life Holding AG ranks better than 60% on this metric.
Capex-to-Operating-Cash-Flow assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. It’s also useful to distinguish whether the company is capital intensive or not.
Swiss Life Holding AG (OTCPK:SWSDF) Capex-to-Operating-Cash-Flow Explanation
Capex-to-Operating-Cash-Flow ratio assesses how much of a company’s Cash Flow from Operations is being devoted to Capital Expenditure. It is a good indicator in terms of how much the company is focused on growth. In general, a high Capex-to-Operating-Cash-Flow ratio indicates that the company is investing more in physical assets and is focused on growth and expansion. Conversely, lower ratio could indicate that a company has reached maturity and is no longer pursuing aggressive growth.
Moreover, the ratio is also useful to distinguish whether the company is capital intensive or not. If the ratio is large, then the company tends to be capital intensive. Lower ratio suggests that it’s a capital-light business. The ratio can be combined with ROIC % to identify whether the company is an asset-light business that has a high return on invested capital. This is one question investors commonly ask to see if a company qualifies as a good company.
Swiss Life Holding AG Capex-to-Operating-Cash-Flow Related Terms
Swiss Life Holding AG Capex-to-Operating-Cash-Flow Historical Data
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The historical data trend for Swiss Life Holding AG's Capex-to-Operating-Cash-Flow can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Swiss Life Holding AG Capex-to-Operating-Cash-Flow Chart
SWSDF vs BRK.A, AIG, HIG: Capex-to-Operating-Cash-Flow Comparison
For the Insurance - Diversified subindustry, Swiss Life Holding AG's Capex-to-Operating-Cash-Flow, along with its competitors' market caps and Capex-to-Operating-Cash-Flow 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 Capex-to-Operating-Cash-Flow vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's Capex-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's Capex-to-Operating-Cash-Flow falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Capex-to-Operating-Cash-Flow of 0.11 mean?
Swiss Life Holding AG (SWSDF) has a Capex-to-Operating-Cash-Flow of 0.11 as of Dec. 2025. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Swiss Life Holding AG and its competitors. This is 22% above median its historical median of 0.09. Over the past decade, Swiss Life Holding AG's Capex-to-Operating-Cash-Flow has ranged from 0.02 to 0.70. According to the industry distribution chart, Swiss Life Holding AG ranks #118 out of 295 companies in the Insurance industry, placing it in the top 40%.
Is Swiss Life Holding AG's Capex-to-Operating-Cash-Flow too high?
Swiss Life Holding AG's current Capex-to-Operating-Cash-Flow of 0.11 is 22% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.70. The Insurance industry median Capex-to-Operating-Cash-Flow is 0.08. Swiss Life Holding AG's value of 0.11 is 37.5% above this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #118 out of 295 companies in the Insurance industry, which is above the industry midpoint. Overall, Swiss Life Holding AG has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's Capex-to-Operating-Cash-Flow compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #118 out of 295 companies for Capex-to-Operating-Cash-Flow. This puts Swiss Life Holding AG in the upper half of its industry. The industry median Capex-to-Operating-Cash-Flow is 0.08. Swiss Life Holding AG's value of 0.11 is 37.5% above this benchmark. Historically, Swiss Life Holding AG's own Capex-to-Operating-Cash-Flow has ranged from 0.02 to 0.70 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.08, Swiss Life Holding AG has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Capex-to-Operating-Cash-Flow for an Insurance company?
The median Capex-to-Operating-Cash-Flow among Insurance companies is 0.08, based on 295 companies in the industry. Companies in the top quartile (top 25%) have a Capex-to-Operating-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Capex-to-Operating-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Swiss Life Holding AG's current Capex-to-Operating-Cash-Flow of 0.11 is 37.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Capex-to-Operating-Cash-Flow mean?
A high Capex-to-Operating-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Swiss Life Holding AG and its competitors. For the Insurance industry, the median Capex-to-Operating-Cash-Flow is 0.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swiss Life Holding AG's current Capex-to-Operating-Cash-Flow is 0.11, which is 22% above median its own 10-year median of 0.09. 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 Fairly Valued. The stock's GF Value™ is $1,124.04, compared to a current price of $1,143.00 — trading 1.7% above its estimated fair value. The current Capex-to-Operating-Cash-Flow is 0.11, which is 22% above median its 10-year median of 0.09 and 37.5% above the Insurance industry median of 0.08. Swiss Life Holding AG's overall GF Score™ is 79/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Capex-to-Operating-Cash-Flow calculated?
Capex-to-Operating-Cash-Flow is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current Capex-to-Operating-Cash-Flow is 0.11 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 $1,143.00 is trading 1.7% above its estimated GF Value™ of $1,124.04.
GuruFocus considers Swiss Life Holding AG to be Fairly Valued.
Key valuation signals for SWSDF:
Capex-to-Operating-Cash-Flow: 0.11 (22% above median its 10-year median of 0.09)
GF Value™: $1,124.04 vs. price of $1,143.00 (1.7% above fair value)
Industry Position: 37.5% above the Insurance median (#118 of 295)
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.
79GF Score
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Capex-to-Operating-Cash-Flow is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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