Swiss Life Holding AGSWSDF 66 Debt-to-Equity is 1.35 as of Dec. 2025, which is 187% above its 10-year median of 0.47. GuruFocus rates SWSDF with a GF Score™ of 66/100 and a GF Value™ of $1,082.00 (Fairly Valued). The stock has 8 warning signs investors should review. Among 409 Insurance companies, Swiss Life Holding AG ranks worse than 94.38% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Swiss Life Holding AG's Debt-to-Equity or its related term are showing as below:
SWSDF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.35 Med: 0.47 Max: 1.35
Current: 1.35
During the past 13 years, the highest Debt-to-Equity Ratio of Swiss Life Holding AG was 1.35. The lowest was 0.35. And the median was 0.47.
SWSDF's Debt-to-Equity is ranked worse than 94.38% of 409
companies
in the Insurance industry
Industry Median: 0.2
vs SWSDF: 1.35
Swiss Life Holding AG (OTCPK:SWSDF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Swiss Life Holding AG Debt-to-Equity Related Terms
Swiss Life Holding AG Debt-to-Equity Historical Data
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The historical data trend for Swiss Life Holding AG's Debt-to-Equity 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.
SWSDF vs BRK.A, AIG, HIG: Debt-to-Equity Comparison
For the Insurance - Diversified subindustry, Swiss Life Holding AG's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's Debt-to-Equity 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 Debt-to-Equity of 1.35 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Swiss Life Holding AG and its competitors. This is 187% above median its historical median of 0.47. Over the past decade, Swiss Life Holding AG's Debt-to-Equity has ranged from 0.35 to 1.35. According to the industry distribution chart, Swiss Life Holding AG ranks #386 out of 409 companies in the Insurance industry, placing it in the top 94.4%.
Is Swiss Life Holding AG's Debt-to-Equity too high?
Swiss Life Holding AG's current Debt-to-Equity of 1.35 is 187% above median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.35. The Insurance industry median Debt-to-Equity is 0.20. Swiss Life Holding AG's value of 1.35 is 575% above this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #386 out of 409 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Swiss Life Holding AG has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's Debt-to-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #386 out of 409 companies for Debt-to-Equity. This places Swiss Life Holding AG in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Swiss Life Holding AG's value of 1.35 is 575% above this benchmark. Historically, Swiss Life Holding AG's own Debt-to-Equity has ranged from 0.35 to 1.35 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 0.20, 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 Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 409 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Swiss Life Holding AG's current Debt-to-Equity of 1.35 is 575% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Swiss Life Holding AG and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swiss Life Holding AG's current Debt-to-Equity is 1.35, which is 187% above median its own 10-year median of 0.47. 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 $1,082.00, compared to a current price of $1,106.01 — trading 2.2% above its estimated fair value. The current Debt-to-Equity is 1.35, which is 187% above median its 10-year median of 0.47 and 575% above the Insurance industry median of 0.20. Swiss Life Holding AG's overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current Debt-to-Equity is 1.35 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 $1,106.01 is trading 2.2% above its estimated GF Value™ of $1,082.00.
GuruFocus considers Swiss Life Holding AG to be Fairly Valued.
Key valuation signals for SWSDF:
Debt-to-Equity: 1.35 (187% above median its 10-year median of 0.47)
GF Value™: $1,082.00 vs. price of $1,106.01 (2.2% above fair value)
Industry Position: 575% above the Insurance median (#386 of 409)
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.
66GF Score
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