Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Swiss Re AGSSREF 67 3-Year FCF Growth Rate is -2.90% as of Dec. 2025. GuruFocus rates SSREF with a GF Score™ of 67/100 and a GF Value™ of $133.14 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 342 Insurance companies, Swiss Re AG ranks worse than 72.81% on this metric.
During the past 12 months, Swiss Re AG's average Free Cash Flow per Share Growth Rate was -12.80% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was -2.90% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was -10.80% per year.
During the past 10 years, the average Free Cash Flow per Share Growth Rate was -0.50% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Swiss Re AG was 88.60% per year. The lowest was -29.50% per year. And the median was -2.90% per year.
Swiss Re AG (OTCPK:SSREF) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Swiss Re AG 3-Year FCF Growth Rate Related Terms
SSREF vs RGA, EG, RNR: 3-Year FCF Growth Rate Comparison
For the Insurance - Reinsurance subindustry, Swiss Re AG's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 Re AG 3-Year FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Re AG's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Swiss Re AG's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of -2.90% mean?
Swiss Re AG (SSREF) has a 3-Year FCF Growth Rate of -2.90% as of Dec. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Swiss Re AG and its competitors. According to the industry distribution chart, Swiss Re AG ranks #249 out of 342 companies in the Insurance industry, placing it in the top 72.8%.
Is Swiss Re AG's 3-Year FCF Growth Rate too high?
Swiss Re AG's current 3-Year FCF Growth Rate is -2.90%. Based on the distribution chart, Swiss Re AG ranks #249 out of 342 companies in the Insurance industry, which is below the industry midpoint. Overall, Swiss Re AG has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swiss Re AG's 3-Year FCF Growth Rate compare to RGA and EG?
According to the Insurance industry distribution chart, Swiss Re AG ranks #249 out of 342 companies for 3-Year FCF Growth Rate. This places Swiss Re AG in the lower half of its industry. The industry median 3-Year FCF Growth Rate is 12.65. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for an Insurance company?
The median 3-Year FCF Growth Rate among Insurance companies is 12.65, based on 342 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Swiss Re AG and its competitors. For the Insurance industry, the median 3-Year FCF Growth Rate is 12.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swiss Re AG's current 3-Year FCF Growth Rate is -2.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swiss Re AG stock overvalued right now?
Based on GuruFocus' analysis, Swiss Re AG (SSREF) is currently considered Modestly Overvalued. The stock's GF Value™ is $133.14, compared to a current price of $163.20 — trading 22.6% above its estimated fair value. The current 3-Year FCF Growth Rate is -2.90%. Swiss Re AG's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Swiss Re AG (SSREF), the current 3-Year FCF Growth Rate is -2.90% 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 Re AG (SSREF) Overvalued in 2026?
Based on GuruFocus' analysis, Swiss Re AG stock appears to be overvalued.
The current stock price of $163.20 is trading 22.6% above its estimated GF Value™ of $133.14.
GuruFocus considers Swiss Re AG to be Modestly Overvalued.
Key valuation signals for SSREF:
3-Year FCF Growth Rate: -2.90%
GF Value™: $133.14 vs. price of $163.20 (22.6% above fair value)
No single metric tells the full story. See the SSREF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swiss Re is a reinsurer that has three core divisions: P&C reinsurance, life and health reinsurance, and corporate solutions. Swiss Re was founded in 1863 when the general manager of Helvetia sought to stem the flow of reinsurance premiums outside Switzerland. Moritz Grossmann argued he could cut the premiums paid to foreign firms, still make a profit, and pay mid-single-digit dividends. Swiss Re is now the second-largest reinsurer in the world by market capitalization, with 80 offices around the world and approximately 15,000 employees. While the business did lose its way in the early part of the millennium, led by an investment banker who heavily invested in securitizations, Swiss Re has recently focused on establishing quality within its three core divisions.
67GF Score
Get the complete analysis for SSREF
3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SSREF has been successfully added to your 
