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Swiss Life Holding AGSWSDF 78 Cyclically Adjusted Price-to-FCF is 23.79 as of Sep. 04, 2026, which is 20% below its 10-year median of 29.85. GuruFocus rates SWSDF with a GF Score™ of 78/100 and a GF Value™ of $1,100.06 (Fairly Valued). The stock has 7 warning signs investors should review. Among 306 Insurance companies, Swiss Life Holding AG ranks worse than 73.86% on this metric.
The historical rank and industry rank for Swiss Life Holding AG's Cyclically Adjusted Price-to-FCF or its related term are showing as below:
SWSDF'
s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 18.93 Med: 29.85 Max: 102.67
Current: 26.9
During the past 13 years, Swiss Life Holding AG's highest Cyclically Adjusted Price-to-FCF was 102.67. The lowest was 18.93. And the median was 29.85.
SWSDF's Cyclically Adjusted Price-to-FCF is ranked worse than 73.86% of 306
companies
in the Insurance industry
Industry Median: 14.52
vs SWSDF: 26.90
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.
Swiss Life Holding AG's adjusted free cash flow per share data of for the fiscal year that ended in Dec25 was $70.788. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $46.24 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Swiss Life Holding AG (OTCPK:SWSDF) Cyclically Adjusted Price-to-FCF Explanation
Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.
Swiss Life Holding AG Cyclically Adjusted Price-to-FCF Related Terms
Swiss Life Holding AG Cyclically Adjusted Price-to-FCF Historical Data
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The historical data trend for Swiss Life Holding AG's Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF Chart
SWSDF vs BRK.A, AIG, HIG: Cyclically Adjusted Price-to-FCF Comparison
For the Insurance - Diversified subindustry, Swiss Life Holding AG's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's Cyclically Adjusted Price-to-FCF distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's Cyclically Adjusted Price-to-FCF falls into.
Swiss Life Holding AG Cyclically Adjusted Price-to-FCF Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.
* 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.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted Price-to-FCF of 23.79 mean?
Swiss Life Holding AG (SWSDF) has a Cyclically Adjusted Price-to-FCF of 23.79 as of Sep. 04, 2026. Cyclically Adjusted Price-to-FCF Ratio is the ratio of share price to a company's inflation-adjusted FCF per share over a 10-year period. View historical data on Swiss Life Holding AG and its competitors. This is 20% below median its historical median of 29.85. Over the past decade, Swiss Life Holding AG's Cyclically Adjusted Price-to-FCF has ranged from 18.93 to 102.67. According to the industry distribution chart, Swiss Life Holding AG ranks #226 out of 306 companies in the Insurance industry, placing it in the top 73.9%.
Is Swiss Life Holding AG's Cyclically Adjusted Price-to-FCF too high?
Swiss Life Holding AG's current Cyclically Adjusted Price-to-FCF of 23.79 is 20% below median its 10-year median of 29.85. Over the past 10 years, this metric has ranged from a low of 18.93 to a high of 102.67. The Insurance industry median Cyclically Adjusted Price-to-FCF is 14.52. Swiss Life Holding AG's value of 23.79 is 63.8% above this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #226 out of 306 companies in the Insurance industry, which is below 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 Cyclically Adjusted Price-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #226 out of 306 companies for Cyclically Adjusted Price-to-FCF. This places Swiss Life Holding AG in the lower half of its industry. The industry median Cyclically Adjusted Price-to-FCF is 14.52. Swiss Life Holding AG's value of 23.79 is 63.8% above this benchmark. Historically, Swiss Life Holding AG's own Cyclically Adjusted Price-to-FCF has ranged from 18.93 to 102.67 over the past decade. While the company's 10-year median is 29.85 vs. the industry median of 14.52, 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 Cyclically Adjusted Price-to-FCF for an Insurance company?
The median Cyclically Adjusted Price-to-FCF among Insurance companies is 14.52, based on 306 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted Price-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted Price-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Swiss Life Holding AG's current Cyclically Adjusted Price-to-FCF of 23.79 is 63.8% 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 Cyclically Adjusted Price-to-FCF mean?
A high Cyclically Adjusted Price-to-FCF can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted Price-to-FCF Ratio is the ratio of share price to a company's inflation-adjusted FCF per share over a 10-year period. View historical data on Swiss Life Holding AG and its competitors. For the Insurance industry, the median Cyclically Adjusted Price-to-FCF is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swiss Life Holding AG's current Cyclically Adjusted Price-to-FCF is 23.79, which is 20% below median its own 10-year median of 29.85. 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 $1,100.06, compared to a current price of $1,100.00 — trading 0% below its estimated fair value. The current Cyclically Adjusted Price-to-FCF is 23.79, which is 20% below median its 10-year median of 29.85 and 63.8% above the Insurance industry median of 14.52. Swiss Life Holding AG's overall GF Score™ is 78/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Price-to-FCF calculated?
Cyclically Adjusted Price-to-FCF is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current Cyclically Adjusted Price-to-FCF is 23.79 as of Sep. 04, 2026. 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 undervalued.
The current stock price of $1,100.00 is trading 0% below its estimated GF Value™ of $1,100.06.
GuruFocus considers Swiss Life Holding AG to be Fairly Valued.
Key valuation signals for SWSDF:
Cyclically Adjusted Price-to-FCF: 23.79 (20% below median its 10-year median of 29.85)
GF Value™: $1,100.06 vs. price of $1,100.00 (0% below fair value)
Industry Position: 63.8% above the Insurance median (#226 of 306)
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
Get the complete analysis for SWSDF
Cyclically Adjusted Price-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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