SWSDF (Swiss Life Holding AG) Debt-to-Asset : 0.05 (As of Dec. 2025)


SWSDF Swiss Life Holding AG SWSDF
70 GF Score
Price $1,130.01
GF Value $976.73
Valuation Fairly Valued
! 9 Warning Signs
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What is Swiss Life Holding AG Debt-to-Asset?

Swiss Life Holding AG SWSDF 70 Debt-to-Asset is 0.05 as of Dec. 2025. GuruFocus rates SWSDF with a GF Score™ of 70/100 and a GF Value™ of $976.73 (Fairly Valued). The stock has 9 warning signs investors should review.

Swiss Life Holding AG's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0 Mil. Swiss Life Holding AG's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $12,384 Mil. Swiss Life Holding AG's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $274,972 Mil. Swiss Life Holding AG's debt to asset for the quarter that ended in Dec. 2025 was 0.05.

Swiss Life Holding AG  (OTCPK:SWSDF) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Swiss Life Holding AG Debt-to-Asset Related Terms

Swiss Life Holding AG Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Swiss Life Holding AG's Debt-to-Asset 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 Debt-to-Asset Chart

Swiss Life Holding AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.05 0.02 0.04 0.05

Swiss Life Holding AG Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.02 0.05 0.04 0.05 0.05

SWSDF vs BRK.A, AIG, HIG: Debt-to-Asset Comparison

For the Insurance - Diversified subindustry, Swiss Life Holding AG's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Insurance Industry

For the Insurance industry and Financial Services sector, Swiss Life Holding AG's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Swiss Life Holding AG's Debt-to-Asset falls into.


SWSDF
70GF Score
Swiss Life Holding AG SWSDF
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Swiss Life Holding AG Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Swiss Life Holding AG's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 12384.239) / 274971.766
=0.05

Swiss Life Holding AG's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 12384.239) / 274971.766
=0.05

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.05 mean?
Swiss Life Holding AG (SWSDF) has a Debt-to-Asset of 0.05 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Swiss Life Holding AG and its competitors.
Is Swiss Life Holding AG's Debt-to-Asset too high?
Swiss Life Holding AG's current Debt-to-Asset is 0.05. Overall, Swiss Life Holding AG has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's Debt-to-Asset compare to BRK.A and AIG?
Swiss Life Holding AG's Debt-to-Asset of 0.05 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for an Insurance company?
A good Debt-to-Asset depends on the Insurance industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Swiss Life Holding AG and its competitors. Swiss Life Holding AG's current Debt-to-Asset is 0.05. 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 $976.73, compared to a current price of $1,130.01 — trading 15.7% above its estimated fair value. The current Debt-to-Asset is 0.05. Swiss Life Holding AG's overall GF Score™ is 70/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current Debt-to-Asset is 0.05 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 15.7% above its estimated GF Value™ of $976.73. GuruFocus considers Swiss Life Holding AG to be Fairly Valued.

Key valuation signals for SWSDF:

  • Debt-to-Asset: 0.05
  • GF Value™: $976.73 vs. price of $1,130.01 (15.7% above fair value)
  • GF Score™: 70/100 with 9 warning signs

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 Holding AG Business Description

Address General-Guisan-Quai 40, P.O. Box 2831, Zurich, CHE, CH-8022
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.
70GF Score

Get the complete analysis for SWSDF

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1,130.01
Price
$976.73
GF Value