Swiss Life Holding AGSWSDF 71 EV-to-EBITDA is 14.72 as of Jul. 02, 2026, which is 88% above its 10-year median of 7.85. GuruFocus rates SWSDF with a GF Score™ of 71/100 and a GF Value™ of $1,082.50 (Fairly Valued). The stock has 8 warning signs investors should review. Among 348 Insurance companies, Swiss Life Holding AG ranks worse than 81.32% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Swiss Life Holding AG's enterprise value is $36,570 Mil.
Swiss Life Holding AG's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was $2,485 Mil. Therefore, Swiss Life Holding AG's EV-to-EBITDA for today is 14.72.
The historical rank and industry rank for Swiss Life Holding AG's EV-to-EBITDA or its related term are showing as below:
SWSDF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.71 Med: 7.85 Max: 15.69
Current: 14.74
During the past 13 years, the highest EV-to-EBITDA of Swiss Life Holding AG was 15.69. The lowest was 3.71. And the median was 7.85.
SWSDF's EV-to-EBITDA is ranked worse than 81.32% of 348
companies
in the Insurance industry
Industry Median: 8.225
vs SWSDF: 14.74
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Swiss Life Holding AG (OTCPK:SWSDF) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Swiss Life Holding AG's PE Ratio (TTM) for today is calculated as:
Swiss Life Holding AG's share price for today is $1106.005.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Swiss Life Holding AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $54.033.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
Swiss Life Holding AG EV-to-EBITDA Historical Data
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The historical data trend for Swiss Life Holding AG's EV-to-EBITDA 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.
For the Insurance - Diversified subindustry, Swiss Life Holding AG's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's EV-to-EBITDA falls into.
Swiss Life Holding AG's current Enterprise Value is $36,570 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Swiss Life Holding AG's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was $2,485 Mil.
* 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 EV-to-EBITDA of 14.72 as of Jul. 02, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Swiss Life Holding AG. This is 88% above median its historical median of 7.85. Over the past decade, Swiss Life Holding AG's EV-to-EBITDA has ranged from 3.71 to 15.69. According to the industry distribution chart, Swiss Life Holding AG ranks #283 out of 348 companies in the Insurance industry, placing it in the top 81.3%.
Is Swiss Life Holding AG's EV-to-EBITDA too high?
Swiss Life Holding AG's current EV-to-EBITDA of 14.72 is 88% above median its 10-year median of 7.85. Over the past 10 years, this metric has ranged from a low of 3.71 to a high of 15.69. The Insurance industry median EV-to-EBITDA is 8.23. Swiss Life Holding AG's value of 14.72 is 79% above this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #283 out of 348 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Swiss Life Holding AG has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's EV-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #283 out of 348 companies for EV-to-EBITDA. This places Swiss Life Holding AG in the lower half of its industry. The industry median EV-to-EBITDA is 8.23. Swiss Life Holding AG's value of 14.72 is 79% above this benchmark. Historically, Swiss Life Holding AG's own EV-to-EBITDA has ranged from 3.71 to 15.69 over the past decade. While the company's 10-year median is 7.85 vs. the industry median of 8.23, 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.23, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Swiss Life Holding AG's current EV-to-EBITDA of 14.72 is 79% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Swiss Life Holding AG. For the Insurance industry, the median EV-to-EBITDA is 8.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swiss Life Holding AG's current EV-to-EBITDA is 14.72, which is 88% above median its own 10-year median of 7.85. 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 $1,082.50, compared to a current price of $1,106.01 — trading 2.2% above its estimated fair value. The current EV-to-EBITDA is 14.72, which is 88% above median its 10-year median of 7.85 and 79% above the Insurance industry median of 8.23. Swiss Life Holding AG's overall GF Score™ is 71/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current EV-to-EBITDA is 14.72 as of Jul. 02, 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 overvalued.
The current stock price of $1,106.01 is trading 2.2% above its estimated GF Value™ of $1,082.50.
GuruFocus considers Swiss Life Holding AG to be Fairly Valued.
Key valuation signals for SWSDF:
EV-to-EBITDA: 14.72 (88% above median its 10-year median of 7.85)
GF Value™: $1,082.50 vs. price of $1,106.01 (2.2% above fair value)
Industry Position: 79% above the Insurance median (#283 of 348)
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.
71GF Score
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