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.
Vaudoise Assurances HoldingVDASF 54 Forward Rate of Return (Yacktman) % is 6.84% as of Dec. 2025, which is 66% above its 10-year median of 4.11. GuruFocus rates VDASF with a GF Score™ of 54/100 and a GF Value™ of $306.20. The stock has 4 warning signs investors should review. Among 283 Insurance companies, Vaudoise Assurances Holding ranks worse than 74.2% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Vaudoise Assurances Holding's forward rate of return for was 6.84%.
The historical rank and industry rank for Vaudoise Assurances Holding's Forward Rate of Return (Yacktman) % or its related term are showing as below:
VDASF'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -54.85 Med: 4.11 Max: 7.83
Current: 6.39
During the past 13 years, Vaudoise Assurances Holding's highest Forward Rate of Return was 7.83. The lowest was -54.85. And the median was 4.11.
VDASF's Forward Rate of Return (Yacktman) % is ranked worse than 74.2% of 283
companies
in the Insurance industry
Industry Median: 16.91
vs VDASF: 6.39
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of EBITDA per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Vaudoise Assurances Holding Forward Rate of Return (Yacktman) % Related Terms
Vaudoise Assurances Holding Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for Vaudoise Assurances Holding's Forward Rate of Return (Yacktman) % can be seen below:
* 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 Forward Rate of Return (Yacktman) % Chart
VDASF vs BRK.A, AIG, HIG: Forward Rate of Return (Yacktman) % Comparison
For the Insurance - Diversified subindustry, Vaudoise Assurances Holding's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Insurance Industry
For the Insurance industry and Financial Services sector, Vaudoise Assurances Holding's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Vaudoise Assurances Holding's Forward Rate of Return (Yacktman) % falls into.
Vaudoise Assurances Holding Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 6.84% mean?
Vaudoise Assurances Holding (VDASF) has a Forward Rate of Return (Yacktman) % of 6.84% as of Dec. 2025. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Vaudoise Assurances Holding and its competitors. This is 66% above median its historical median of 4.11. According to the industry distribution chart, Vaudoise Assurances Holding ranks #210 out of 283 companies in the Insurance industry, placing it in the top 74.2%.
Is Vaudoise Assurances Holding's Forward Rate of Return (Yacktman) % too high?
Vaudoise Assurances Holding's current Forward Rate of Return (Yacktman) % of 6.84% is 66% above median its 10-year median of 4.11. The Insurance industry median Forward Rate of Return (Yacktman) % is 16.91. Vaudoise Assurances Holding's value of 6.84% is 59.6% below this industry median. Based on the distribution chart, Vaudoise Assurances Holding ranks #210 out of 283 companies in the Insurance industry, which is below 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 Forward Rate of Return (Yacktman) % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vaudoise Assurances Holding ranks #210 out of 283 companies for Forward Rate of Return (Yacktman) %. This places Vaudoise Assurances Holding in the lower half of its industry. The industry median Forward Rate of Return (Yacktman) % is 16.91. Vaudoise Assurances Holding's value of 6.84% is 59.6% below this benchmark. While the company's 10-year median is 4.11 vs. the industry median of 16.91, Vaudoise Assurances Holding has consistently been below 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 Forward Rate of Return (Yacktman) % for an Insurance company?
The median Forward Rate of Return (Yacktman) % among Insurance companies is 16.91, based on 283 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vaudoise Assurances Holding's current Forward Rate of Return (Yacktman) % of 6.84% is 59.6% below 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Vaudoise Assurances Holding and its competitors. For the Insurance industry, the median Forward Rate of Return (Yacktman) % is 16.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vaudoise Assurances Holding's current Forward Rate of Return (Yacktman) % is 6.84%, which is 66% above median its own 10-year median of 4.11. 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 Forward Rate of Return (Yacktman) % of 6.84%. The stock's GF Value™ is $306.20, compared to a current price of $477.00 — trading 55.8% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 6.84%, which is 66% above median its 10-year median of 4.11 and 59.6% below the Insurance industry median of 16.91. 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 Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Vaudoise Assurances Holding (VDASF), the current Forward Rate of Return (Yacktman) % is 6.84% 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 55.8% above its estimated GF Value™ of $306.20.
Key valuation signals for VDASF:
Forward Rate of Return (Yacktman) %: 6.84% (66% above median its 10-year median of 4.11)
GF Value™: $306.20 vs. price of $477.00 (55.8% above fair value)
Industry Position: 59.6% below the Insurance median (#210 of 283)
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
Get the complete analysis for VDASF
Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
VDASF has been successfully added to your 
