Helvetia Baloise Holding AGHLVTY 74 FCF Margin % is 11.23% as of Dec. 2025, which is 330% above its 10-year median of 2.61. GuruFocus rates HLVTY with a GF Score™ of 74/100 and a GF Value™ of $5.47 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 502 Insurance companies, Helvetia Baloise Holding AG ranks worse than 57.97% on this metric.
* 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, Helvetia Baloise Holding AG's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.
Helvetia Baloise Holding AG FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Helvetia Baloise Holding AG's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Helvetia Baloise Holding AG's FCF Margin % 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.
Helvetia Baloise Holding AG (HLVTY) has a FCF Margin % of 11.23% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Helvetia Baloise Holding AG and its competitors. This is 330% above median its historical median of 2.61. According to the industry distribution chart, Helvetia Baloise Holding AG ranks #291 out of 502 companies in the Insurance industry, placing it in the top 58%.
Is Helvetia Baloise Holding AG's FCF Margin % too high?
Helvetia Baloise Holding AG's current FCF Margin % of 11.23% is 330% above median its 10-year median of 2.61. The Insurance industry median FCF Margin % is 9.63. Helvetia Baloise Holding AG's value of 11.23% is 16.6% above this industry median. Based on the distribution chart, Helvetia Baloise Holding AG ranks #291 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Helvetia Baloise 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 Helvetia Baloise Holding AG's FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Helvetia Baloise Holding AG ranks #291 out of 502 companies for FCF Margin %. This places Helvetia Baloise Holding AG in the lower half of its industry. The industry median FCF Margin % is 9.63. Helvetia Baloise Holding AG's value of 11.23% is 16.6% above this benchmark. While the company's 10-year median is 2.61 vs. the industry median of 9.63, Helvetia Baloise 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helvetia Baloise Holding AG's current FCF Margin % of 11.23% is 16.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Helvetia Baloise Holding AG and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helvetia Baloise Holding AG's current FCF Margin % is 11.23%, which is 330% above median its own 10-year median of 2.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Helvetia Baloise Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG (HLVTY) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.47, compared to a current price of $7.07 — trading 29.3% above its estimated fair value. The current FCF Margin % is 11.23%, which is 330% above median its 10-year median of 2.61 and 16.6% above the Insurance industry median of 9.63. Helvetia Baloise Holding AG's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Helvetia Baloise Holding AG (HLVTY), the current FCF Margin % is 11.23% 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 Helvetia Baloise Holding AG (HLVTY) Overvalued in 2026?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG stock appears to be overvalued.
The current stock price of $7.07 is trading 29.3% above its estimated GF Value™ of $5.47.
GuruFocus considers Helvetia Baloise Holding AG to be Modestly Overvalued.
Key valuation signals for HLVTY:
FCF Margin %: 11.23% (330% above median its 10-year median of 2.61)
GF Value™: $5.47 vs. price of $7.07 (29.3% above fair value)
Industry Position: 16.6% above the Insurance median (#291 of 502)
No single metric tells the full story. See the HLVTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Helvetia Baloise Holding AG is a multi-line insurance company. The company provides pension, specialty insurance and reinsurance services, and other financial solutions. The company represents it's seven reportable segments namely Switzerland, Spain, Germany, Belgium, Luxembourg, Italian and Austrian Markets, Specialty Markets, and Corporate and other. Company generates majority revenue from Switzerland business segment.
74GF Score
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