Vaudoise Assurances HoldingVDASF 54 Graham Number is $1,292.76 as of Dec. 2025, which is 211828% above its 10-year median of 0.61. 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 428 Insurance companies, Vaudoise Assurances Holding ranks better than 60.75% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
The historical rank and industry rank for Vaudoise Assurances Holding's Graham Number or its related term are showing as below:
VDASF'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48 Med: 0.61 Max: 0.76
Current: 0.76
During the past 13 years, the highest Price to Graham Number ratio of Vaudoise Assurances Holding was 0.76. The lowest was 0.48. And the median was 0.61.
VDASF's Price-to-Graham-Number is ranked better than 60.75% of 428
companies
in the Insurance industry
Industry Median: 0.935
vs VDASF: 0.76
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Vaudoise Assurances Holding (OTCPK:VDASF) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Vaudoise Assurances Holding's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
477.00
/
1,292.76
=
0.37
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Vaudoise Assurances Holding Graham Number Related Terms
Vaudoise Assurances Holding Graham Number 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: Graham Number Comparison
For the Insurance - Diversified subindustry, Vaudoise Assurances Holding's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Insurance Industry
For the Insurance industry and Financial Services sector, Vaudoise Assurances Holding's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Vaudoise Assurances Holding's Price-to-Graham-Number 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.
Vaudoise Assurances Holding (VDASF) has a Graham Number of $1,292.76 as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Vaudoise Assurances Holding and its competitors. This is 211828% above median its historical median of 0.61. Over the past decade, Vaudoise Assurances Holding's Graham Number has ranged from 0.48 to 0.76. According to the industry distribution chart, Vaudoise Assurances Holding ranks #168 out of 428 companies in the Insurance industry, placing it in the top 39.3%.
Is Vaudoise Assurances Holding's Graham Number too high?
Vaudoise Assurances Holding's current Graham Number of $1,292.76 is 211828% above median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 0.76. The Insurance industry median Graham Number is 0.94. Vaudoise Assurances Holding's value of $1,292.76 is 138163.1% above this industry median. Based on the distribution chart, Vaudoise Assurances Holding ranks #168 out of 428 companies in the Insurance industry, which is above the industry midpoint. 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 Graham Number compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vaudoise Assurances Holding ranks #168 out of 428 companies for Graham Number. This puts Vaudoise Assurances Holding in the upper half of its industry. The industry median Graham Number is 0.94. Vaudoise Assurances Holding's value of $1,292.76 is 138163.1% above this benchmark. Historically, Vaudoise Assurances Holding's own Graham Number has ranged from 0.48 to 0.76 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 0.94, 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 Graham Number for an Insurance company?
The median Graham Number among Insurance companies is 0.94, based on 428 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vaudoise Assurances Holding's current Graham Number of $1,292.76 is 138163.1% 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Vaudoise Assurances Holding and its competitors. For the Insurance industry, the median Graham Number is 0.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vaudoise Assurances Holding's current Graham Number is $1,292.76, which is 211828% above median its own 10-year median of 0.61. 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 Graham Number of $1,292.76. 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 Graham Number is $1,292.76, which is 211828% above median its 10-year median of 0.61 and 138163.1% above the Insurance industry median of 0.94. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Vaudoise Assurances Holding (VDASF), the current Graham Number is $1,292.76 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 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:
Graham Number: $1,292.76 (211828% above median its 10-year median of 0.61)
GF Value™: $318.25 vs. price of $477.00 (49.9% above fair value)
Industry Position: 138163.1% above the Insurance median (#168 of 428)
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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