Swiss Life Holding AGSZLMY -0.21% EV-to-FCF is 19.15 as of Jul. 08, 2026, which is 18% below its 10-year median of 23.36. The stock has 8 warning signs investors should review. Among 392 Insurance companies, Swiss Life Holding AG ranks worse than 75.51% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Swiss Life Holding AG's Enterprise Value is $37,786 Mil.
Swiss Life Holding AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1,973 Mil. Therefore, Swiss Life Holding AG's EV-to-FCF for today is 19.15.
The historical rank and industry rank for Swiss Life Holding AG's EV-to-FCF or its related term are showing as below:
SZLMY'
s EV-to-FCF Range Over the Past 10 Years
Min: -11.48 Med: 23.36 Max: 551.96
Current: 19.15
During the past 13 years, the highest EV-to-FCF of Swiss Life Holding AG was 551.96. The lowest was -11.48. And the median was 23.36.
SZLMY's EV-to-FCF is ranked worse than 75.51% of 392
companies
in the Insurance industry
Industry Median: 9.645
vs SZLMY: 19.15
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (OTCPK:SZLMY) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $56.98.
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 $2.701.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding AG's EV-to-FCF falls into.
Swiss Life Holding AG's current Enterprise Value is $37,786 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Swiss Life Holding AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1,973 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 (SZLMY) has a EV-to-FCF of 19.15 as of Jul. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Swiss Life Holding AG and its competitors. This is 18% below median its historical median of 23.36. According to the industry distribution chart, Swiss Life Holding AG ranks #296 out of 392 companies in the Insurance industry, placing it in the top 75.5%.
Is Swiss Life Holding AG's EV-to-FCF too high?
Swiss Life Holding AG's current EV-to-FCF of 19.15 is 18% below median its 10-year median of 23.36. The Insurance industry median EV-to-FCF is 9.65. Swiss Life Holding AG's value of 19.15 is 98.5% above this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #296 out of 392 companies in the Insurance industry, which is in the bottom quartile relative to peers.
How does Swiss Life Holding AG's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #296 out of 392 companies for EV-to-FCF. This places Swiss Life Holding AG in the lower half of its industry. The industry median EV-to-FCF is 9.65. Swiss Life Holding AG's value of 19.15 is 98.5% above this benchmark. While the company's 10-year median is 23.36 vs. the industry median of 9.65, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.65, based on 392 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF of 19.15 is 98.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Swiss Life Holding AG and its competitors. For the Insurance industry, the median EV-to-FCF is 9.65 — 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-FCF is 19.15, which is 18% below median its own 10-year median of 23.36. 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 (SZLMY) is currently considered Modestly Overvalued. The stock's GF Value™ is $50.85, compared to a current price of $56.98 — trading 12.1% above its estimated fair value. The current EV-to-FCF is 19.15, which is 18% below median its 10-year median of 23.36 and 98.5% above the Insurance industry median of 9.65. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Swiss Life Holding AG (SZLMY), the current EV-to-FCF is 19.15 as of Jul. 08, 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.
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.
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