Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Helvetia Baloise Holding AG's Total Liabilities for the quarter that ended in Dec. 2025 was CHF132,700 Mil. Helvetia Baloise Holding AG's Total Assets for the quarter that ended in Dec. 2025 was CHF146,458 Mil.
Therefore, Helvetia Baloise Holding AG's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.91.
Helvetia Baloise Holding AG (XSWX:HBAN) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Helvetia Baloise Holding AG Liabilities-to-Assets Related Terms
Helvetia Baloise Holding AG Liabilities-to-Assets 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.
Helvetia Baloise Holding AG Liabilities-to-Assets Chart
XSWX:HBAN vs BRK.A, AIG, HIG: Liabilities-to-Assets Comparison
For the Insurance - Diversified subindustry, Helvetia Baloise Holding AG's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Insurance Industry
For the Insurance industry and Financial Services sector, Helvetia Baloise Holding AG's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Helvetia Baloise Holding AG's Liabilities-to-Assets falls into.
Helvetia Baloise Holding AG Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Helvetia Baloise Holding AG's Liabilities-to-Assets 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.
Helvetia Baloise Holding AG (XSWX:HBAN) has a Liabilities-to-Assets of 0.91 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Helvetia Baloise Holding AG and its competitors.
Is Helvetia Baloise Holding AG's Liabilities-to-Assets too high?
Helvetia Baloise Holding AG's current Liabilities-to-Assets is 0.91. Overall, Helvetia Baloise Holding AG has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helvetia Baloise Holding AG's Liabilities-to-Assets compare to BRK.A and AIG?
Helvetia Baloise Holding AG's Liabilities-to-Assets of 0.91 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for an Insurance company?
A good Liabilities-to-Assets depends on the Insurance industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Helvetia Baloise Holding AG and its competitors. Helvetia Baloise Holding AG's current Liabilities-to-Assets is 0.91. 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 (XSWX:HBAN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF169.74, compared to a current price of CHF214.80 — trading 26.5% above its estimated fair value. The current Liabilities-to-Assets is 0.91. Helvetia Baloise Holding AG's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Helvetia Baloise Holding AG (XSWX:HBAN), the current Liabilities-to-Assets is 0.91 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 (XSWX:HBAN) Overvalued in 2026?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG stock appears to be overvalued.
The current stock price of CHF214.80 is trading 26.5% above its estimated GF Value™ of CHF169.74.
GuruFocus considers Helvetia Baloise Holding AG to be Modestly Overvalued.
Key valuation signals for XSWX:HBAN:
Liabilities-to-Assets: 0.91
GF Value™: CHF169.74 vs. price of CHF214.80 (26.5% above fair value)
No single metric tells the full story. See the XSWX:HBAN 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.
71GF Score
Get the complete analysis for XSWX:HBAN
Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:HBAN has been successfully added to your 
