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During the past 12 months, Swiss Life Holding AG's average Free Cash Flow per Share Growth Rate was 2791.40% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 23.80% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 10.40% 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 Life Holding AG was 63.40% per year. The lowest was -55.90% per year. And the median was -8.70% per year.
Swiss Life Holding AG (OTCPK:SWSDF) 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 Life Holding AG 3-Year FCF Growth Rate Related Terms
SWSDF vs BRK.A, AIG, HIG: 3-Year FCF Growth Rate Comparison
For the Insurance - Diversified subindustry, Swiss Life Holding 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 Life Holding AG 3-Year FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's 3-Year FCF Growth Rate falls into.
Swiss Life Holding AG 3-Year FCF Growth Rate Calculation
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 23.80% mean?
Swiss Life Holding AG (SWSDF) has a 3-Year FCF Growth Rate of 23.80% 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 Life Holding AG and its competitors. According to the industry distribution chart, Swiss Life Holding AG ranks #122 out of 341 companies in the Insurance industry, placing it in the top 35.8%.
Is Swiss Life Holding AG's 3-Year FCF Growth Rate too high?
Swiss Life Holding AG's current 3-Year FCF Growth Rate is 23.80%. The Insurance industry median 3-Year FCF Growth Rate is 12.50. Swiss Life Holding AG's value of 23.80% is 90.4% above this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #122 out of 341 companies in the Insurance industry, which is above the industry midpoint. Overall, Swiss Life Holding AG has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's 3-Year FCF Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #122 out of 341 companies for 3-Year FCF Growth Rate. This puts Swiss Life Holding AG in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 12.50. Swiss Life Holding AG's value of 23.80% is 90.4% above this benchmark. 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 12.50, based on 341 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. Swiss Life Holding AG's current 3-Year FCF Growth Rate of 23.80% is 90.4% 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 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 Life Holding AG and its competitors. For the Insurance industry, the median 3-Year FCF Growth Rate is 12.50 — 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 FCF Growth Rate is 23.80%. 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 $1,122.82, compared to a current price of $1,170.00 — trading 4.2% above its estimated fair value. The current 3-Year FCF Growth Rate is 23.80% and 90.4% above the Insurance industry median of 12.50. Swiss Life Holding AG's overall GF Score™ is 78/100 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 FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current 3-Year FCF Growth Rate is 23.80% 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 $1,170.00 is trading 4.2% above its estimated GF Value™ of $1,122.82.
GuruFocus considers Swiss Life Holding AG to be Fairly Valued.
Key valuation signals for SWSDF:
3-Year FCF Growth Rate: 23.80%
GF Value™: $1,122.82 vs. price of $1,170.00 (4.2% above fair value)
Industry Position: 90.4% above the Insurance median (#122 of 341)
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.
78GF Score
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3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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