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Swiss Life Holding AGSWSDF 74 3-Year EPS without NRI Growth Rate is 5.30% as of Dec. 2025, which is at its 10-year median of 5.30. GuruFocus rates SWSDF with a GF Score™ of 74/100 and a GF Value™ of $969.01 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 400 Insurance companies, Swiss Life Holding AG ranks worse than 70.5% on this metric.
During the past 12 months, Swiss Life Holding AG's average EPS without NRI Growth Rate was 3.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 5.30% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 4.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 5.00% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Swiss Life Holding AG was 22.90% per year. The lowest was -13.40% per year. And the median was 5.30% per year.
Swiss Life Holding AG (OTCPK:SWSDF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Swiss Life Holding AG 3-Year EPS without NRI Growth Rate Related Terms
SWSDF vs BRK.A, AIG, HIG: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Diversified subindustry, Swiss Life Holding AG's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's 3-Year EPS without NRI Growth Rate falls into.
Swiss Life Holding AG 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 5.30% mean?
Swiss Life Holding AG (SWSDF) has a 3-Year EPS without NRI Growth Rate of 5.30% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Swiss Life Holding AG and its competitors. This is near median its historical median of 5.30. According to the industry distribution chart, Swiss Life Holding AG ranks #282 out of 400 companies in the Insurance industry, placing it in the top 70.5%.
Is Swiss Life Holding AG's 3-Year EPS without NRI Growth Rate too high?
Swiss Life Holding AG's current 3-Year EPS without NRI Growth Rate of 5.30% is near median its 10-year median of 5.30. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.45. Swiss Life Holding AG's value of 5.30% is 67.8% below this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #282 out of 400 companies in the Insurance industry, which is below the industry midpoint. Overall, Swiss Life Holding AG has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's 3-Year EPS without NRI Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #282 out of 400 companies for 3-Year EPS without NRI Growth Rate. This places Swiss Life Holding AG in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 16.45. Swiss Life Holding AG's value of 5.30% is 67.8% below this benchmark. While the company's 10-year median is 5.30 vs. the industry median of 16.45, Swiss Life Holding AG has consistently been below 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 3-Year EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.45, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 5.30% is 67.8% below 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Swiss Life Holding AG and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.45 — 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 EPS without NRI Growth Rate is 5.30%, which is near median its own 10-year median of 5.30. 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 Modestly Overvalued. The stock's GF Value™ is $969.01, compared to a current price of $1,130.01 — trading 16.6% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 5.30%, which is near median its 10-year median of 5.30 and 67.8% below the Insurance industry median of 16.45. Swiss Life Holding AG's overall GF Score™ is 74/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current 3-Year EPS without NRI Growth Rate is 5.30% 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 16.6% above its estimated GF Value™ of $969.01.
GuruFocus considers Swiss Life Holding AG to be Modestly Overvalued.
Key valuation signals for SWSDF:
3-Year EPS without NRI Growth Rate: 5.30% (near median its 10-year median of 5.30)
GF Value™: $969.01 vs. price of $1,130.01 (16.6% above fair value)
Industry Position: 67.8% below the Insurance median (#282 of 400)
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.
74GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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