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Swiss Life Holding AGSWSDF 76 Cash-to-Debt is 0.53 as of Dec. 2025, which is 55% below its 10-year median of 1.19. GuruFocus rates SWSDF with a GF Score™ of 76/100 and a GF Value™ of $959.09 (Fairly Valued). The stock has 9 warning signs investors should review. Among 500 Insurance companies, Swiss Life Holding AG ranks worse than 75.8% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Swiss Life Holding AG's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.53.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Swiss Life Holding AGcouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Swiss Life Holding AG's Cash-to-Debt or its related term are showing as below:
SWSDF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.53 Med: 1.19 Max: 1.76
Current: 0.53
During the past 13 years, Swiss Life Holding AG's highest Cash to Debt Ratio was 1.76. The lowest was 0.53. And the median was 1.19.
SWSDF's Cash-to-Debt is ranked worse than 75.8% of 500
companies
in the Insurance industry
Industry Median: 2.065
vs SWSDF: 0.53
Swiss Life Holding AG (OTCPK:SWSDF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Swiss Life Holding AG Cash-to-Debt Related Terms
Swiss Life Holding AG Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Swiss Life Holding AG's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Diversified subindustry, Swiss Life Holding AG's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's Cash-to-Debt 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.
Swiss Life Holding AG (SWSDF) has a Cash-to-Debt of 0.53 as of Dec. 2025. This is 55% below median its historical median of 1.19. Over the past decade, Swiss Life Holding AG's Cash-to-Debt has ranged from 0.53 to 1.76. According to the industry distribution chart, Swiss Life Holding AG ranks #379 out of 500 companies in the Insurance industry, placing it in the top 75.8%.
Is Swiss Life Holding AG's Cash-to-Debt too high?
Swiss Life Holding AG's current Cash-to-Debt of 0.53 is 55% below median its 10-year median of 1.19. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 1.76. The Insurance industry median Cash-to-Debt is 2.07. Swiss Life Holding AG's value of 0.53 is 74.3% below this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #379 out of 500 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Swiss Life Holding AG has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's Cash-to-Debt compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #379 out of 500 companies for Cash-to-Debt. This places Swiss Life Holding AG in the lower half of its industry. The industry median Cash-to-Debt is 2.07. Swiss Life Holding AG's value of 0.53 is 74.3% below this benchmark. Historically, Swiss Life Holding AG's own Cash-to-Debt has ranged from 0.53 to 1.76 over the past decade. While the company's 10-year median is 1.19 vs. the industry median of 2.07, Swiss Life Holding AG has consistently been below 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 Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.07, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Swiss Life Holding AG's current Cash-to-Debt of 0.53 is 74.3% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swiss Life Holding AG's current Cash-to-Debt is 0.53, which is 55% below median its own 10-year median of 1.19. 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 $959.09, compared to a current price of $1,130.01 — trading 17.8% above its estimated fair value. The current Cash-to-Debt is 0.53, which is 55% below median its 10-year median of 1.19 and 74.3% below the Insurance industry median of 2.07. Swiss Life Holding AG's overall GF Score™ is 76/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current Cash-to-Debt is 0.53 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 17.8% above its estimated GF Value™ of $959.09.
GuruFocus considers Swiss Life Holding AG to be Fairly Valued.
Key valuation signals for SWSDF:
Cash-to-Debt: 0.53 (55% below median its 10-year median of 1.19)
GF Value™: $959.09 vs. price of $1,130.01 (17.8% above fair value)
Industry Position: 74.3% below the Insurance median (#379 of 500)
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.
76GF Score
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