Swiss Life Holding AGSWSDF 70 Equity-to-Asset is 0.03 as of Dec. 2025, which is 50% below its 10-year median of 0.06. GuruFocus rates SWSDF with a GF Score™ of 70/100 and a GF Value™ of $1,072.55 (Fairly Valued). The stock has 8 warning signs investors should review. Among 507 Insurance companies, Swiss Life Holding AG ranks worse than 94.48% on this metric.
The historical rank and industry rank for Swiss Life Holding AG's Equity-to-Asset or its related term are showing as below:
SWSDF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03 Med: 0.06 Max: 0.07
Current: 0.03
During the past 13 years, the highest Equity to Asset Ratio of Swiss Life Holding AG was 0.07. The lowest was 0.03. And the median was 0.06.
SWSDF's Equity-to-Asset is ranked worse than 94.48% of 507
companies
in the Insurance industry
Industry Median: 0.26
vs SWSDF: 0.03
Swiss Life Holding AG (OTCPK:SWSDF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Swiss Life Holding AG Equity-to-Asset Related Terms
Swiss Life Holding AG Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Swiss Life Holding AG's Equity-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.
SWSDF vs BRK.A, AIG, HIG: Equity-to-Asset Comparison
For the Insurance - Diversified subindustry, Swiss Life Holding AG's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Swiss Life Holding AG's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.03 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Swiss Life Holding AG and its competitors. This is 50% below median its historical median of 0.06. Over the past decade, Swiss Life Holding AG's Equity-to-Asset has ranged from 0.03 to 0.07. According to the industry distribution chart, Swiss Life Holding AG ranks #479 out of 507 companies in the Insurance industry, placing it in the top 94.5%.
Is Swiss Life Holding AG's Equity-to-Asset too high?
Swiss Life Holding AG's current Equity-to-Asset of 0.03 is 50% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.07. The Insurance industry median Equity-to-Asset is 0.26. Swiss Life Holding AG's value of 0.03 is 88.5% below this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #479 out of 507 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Equity-to-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #479 out of 507 companies for Equity-to-Asset. This places Swiss Life Holding AG in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Swiss Life Holding AG's value of 0.03 is 88.5% below this benchmark. Historically, Swiss Life Holding AG's own Equity-to-Asset has ranged from 0.03 to 0.07 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Swiss Life Holding AG's current Equity-to-Asset of 0.03 is 88.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Swiss Life Holding AG and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swiss Life Holding AG's current Equity-to-Asset is 0.03, which is 50% below median its own 10-year median of 0.06. 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 $1,072.55, compared to a current price of $1,106.01 — trading 3.1% above its estimated fair value. The current Equity-to-Asset is 0.03, which is 50% below median its 10-year median of 0.06 and 88.5% below the Insurance industry median of 0.26. Swiss Life Holding AG's overall GF Score™ is 70/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Swiss Life Holding AG (SWSDF), the current Equity-to-Asset is 0.03 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 3.1% above its estimated GF Value™ of $1,072.55.
GuruFocus considers Swiss Life Holding AG to be Fairly Valued.
Key valuation signals for SWSDF:
Equity-to-Asset: 0.03 (50% below median its 10-year median of 0.06)
GF Value™: $1,072.55 vs. price of $1,106.01 (3.1% above fair value)
Industry Position: 88.5% below the Insurance median (#479 of 507)
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.
70GF Score
Get the complete analysis for SWSDF
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SWSDF has been successfully added to your 
