Vaudoise Assurances HoldingVDASF 54 Piotroski F-Score is 9 as of Jul. 03, 2026, which is 29% above its 10-year median of 7.00. GuruFocus rates VDASF with a GF Score™ of 54/100 and a GF Value™ of $318.25. The stock has 4 warning signs investors should review. Among 488 Insurance companies, Vaudoise Assurances Holding ranks better than 99.8% on this metric.
Good Sign:
Piotroski F-Score is 9, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Vaudoise Assurances Holding has an F-score of 9. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for Vaudoise Assurances Holding's Piotroski F-Score or its related term are showing as below:
VDASF'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 7 Max: 9
Current: 9
During the past 13 years, the highest Piotroski F-Score of Vaudoise Assurances Holding was 9. The lowest was 3. And the median was 7.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Vaudoise Assurances Holding Piotroski F-Score Related Terms
Vaudoise Assurances Holding Piotroski F-Score Historical Data
* 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.
VDASF vs BRK.A, AIG, HIG: Piotroski F-Score Comparison
For the Insurance - Diversified subindustry, Vaudoise Assurances Holding's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Vaudoise Assurances Holding Piotroski F-Score vs Insurance Industry
For the Insurance industry and Financial Services sector, Vaudoise Assurances Holding's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Vaudoise Assurances Holding's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Vaudoise Assurances Holding's current Net Income (TTM) was 196.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Vaudoise Assurances Holding's current Cash Flow from Operations (TTM) was 343.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Vaudoise Assurances Holding's return on assets of this year was 0.01965407. Vaudoise Assurances Holding's return on assets of last year was 0.01485176.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Vaudoise Assurances Holding's gearing of this year was 0.0175367. Vaudoise Assurances Holding's gearing of last year was 0.01755581.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Vaudoise Assurances Holding's current ratio of this year was 1.41430418. Vaudoise Assurances Holding's current ratio of last year was 1.39316188.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Vaudoise Assurances Holding's number of shares in issue this year was 2.895. Vaudoise Assurances Holding's number of shares in issue last year was 2.895.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Vaudoise Assurances Holding's net margin of this year was 0.09216183. Vaudoise Assurances Holding's net margin of last year was 0.08355145.
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Vaudoise Assurances Holding's asset turnover of this year was 0.21325609. Vaudoise Assurances Holding's asset turnover of last year was 0.17775589.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Vaudoise Assurances Holding has an F-score of 9. It is a good or high score, which usually indicates a very healthy situation.
Vaudoise Assurances Holding (VDASF) has a Piotroski F-Score of 9 as of Jul. 03, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Vaudoise Assurances Holding and its competitors. This is 29% above median its historical median of 7.00. Over the past decade, Vaudoise Assurances Holding's Piotroski F-Score has ranged from 3.00 to 9.00. According to the industry distribution chart, Vaudoise Assurances Holding ranks #1 out of 488 companies in the Insurance industry, placing it in the top 0.2%.
Is Vaudoise Assurances Holding's Piotroski F-Score too high?
Vaudoise Assurances Holding's current Piotroski F-Score of 9 is 29% above median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 9.00. The Insurance industry median Piotroski F-Score is 6.00. Vaudoise Assurances Holding's value of 9 is 50% above this industry median. Based on the distribution chart, Vaudoise Assurances Holding ranks #1 out of 488 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Vaudoise Assurances Holding has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Vaudoise Assurances Holding's Piotroski F-Score compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vaudoise Assurances Holding ranks #1 out of 488 companies for Piotroski F-Score. This places Vaudoise Assurances Holding in the top 0% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 6.00. Vaudoise Assurances Holding's value of 9 is 50% above this benchmark. Historically, Vaudoise Assurances Holding's own Piotroski F-Score has ranged from 3.00 to 9.00 over the past decade. While the company's 10-year median is 7.00 vs. the industry median of 6.00, Vaudoise Assurances Holding 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 Piotroski F-Score for an Insurance company?
The median Piotroski F-Score among Insurance companies is 6.00, based on 488 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vaudoise Assurances Holding's current Piotroski F-Score of 9 is 50% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Vaudoise Assurances Holding and its competitors. For the Insurance industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vaudoise Assurances Holding's current Piotroski F-Score is 9, which is 29% above median its own 10-year median of 7.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vaudoise Assurances Holding stock overvalued right now?
Vaudoise Assurances Holding (VDASF) has a current Piotroski F-Score of 9. The stock's GF Value™ is $318.25, compared to a current price of $477.00 — trading 49.9% above its estimated fair value. The current Piotroski F-Score is 9, which is 29% above median its 10-year median of 7.00 and 50% above the Insurance industry median of 6.00. Vaudoise Assurances Holding's overall GF Score™ is 54/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Vaudoise Assurances Holding (VDASF), the current Piotroski F-Score is 9 as of Jul. 03, 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 Vaudoise Assurances Holding (VDASF) Overvalued in 2026?
Based on GuruFocus' analysis, Vaudoise Assurances Holding stock appears to be overvalued.
The current stock price of $477.00 is trading 49.9% above its estimated GF Value™ of $318.25.
Key valuation signals for VDASF:
Piotroski F-Score: 9 (29% above median its 10-year median of 7.00)
GF Value™: $318.25 vs. price of $477.00 (49.9% above fair value)
Industry Position: 50% above the Insurance median (#1 of 488)
No single metric tells the full story. See the VDASF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vaudoise Assurances Holding SA is a Swiss-based company engaged in the provision of life and non-life insurance services. The company, together with its subsidiaries, offers health, accident, fire, and third-party, as well as motor and transport insurance products, among others. It mainly serves individuals, small and medium-scale businesses, and the public sector. The group's operating segments are: Non-life domain, Life domain, and Other activities. Maximum revenue is generated from its Non-life insurance products. Geographically, the majority of the group's revenue is generated from Switzerland, and the rest from Liechtenstein.
54GF Score
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