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Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Helvetia Baloise Holding AG's annualizedNet Income for the quarter that ended in Dec. 2025 was CHF490 Mil. Helvetia Baloise Holding AG's average total tangible assets for the quarter that ended in Dec. 2025 was CHF98,371 Mil. Therefore, Helvetia Baloise Holding AG's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.50%.
The historical rank and industry rank for Helvetia Baloise Holding AG's Return-on-Tangible-Asset or its related term are showing as below:
XSWX:HBAN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.42 Med: 0.73 Max: 0.93
Current: 0.65
During the past 13 years, Helvetia Baloise Holding AG's highest Return-on-Tangible-Asset was 0.93%. The lowest was 0.42%. And the median was 0.73%.
XSWX:HBAN's Return-on-Tangible-Asset is ranked worse than 78.7% of 507
companies
in the Insurance industry
Industry Median: 2.74
vs XSWX:HBAN: 0.65
Helvetia Baloise Holding AG (XSWX:HBAN) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Helvetia Baloise Holding AG Return-on-Tangible-Asset Related Terms
Helvetia Baloise Holding AG Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
XSWX:HBAN vs BRK.A, AIG, HIG: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, Helvetia Baloise Holding AG's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Helvetia Baloise Holding AG's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Helvetia Baloise Holding AG's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.50% mean?
Helvetia Baloise Holding AG (XSWX:HBAN) has a Return-on-Tangible-Asset of 0.50% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Helvetia Baloise Holding AG and its competitors. This is 32% below median its historical median of 0.73. Over the past decade, Helvetia Baloise Holding AG's Return-on-Tangible-Asset has ranged from 0.42 to 0.93. According to the industry distribution chart, Helvetia Baloise Holding AG ranks #399 out of 507 companies in the Insurance industry, placing it in the top 78.7%.
Is Helvetia Baloise Holding AG's Return-on-Tangible-Asset too high?
Helvetia Baloise Holding AG's current Return-on-Tangible-Asset of 0.50% is 32% below median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 0.93. The Insurance industry median Return-on-Tangible-Asset is 2.74. Helvetia Baloise Holding AG's value of 0.50% is 81.8% below this industry median. Based on the distribution chart, Helvetia Baloise Holding AG ranks #399 out of 507 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Helvetia Baloise Holding AG has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helvetia Baloise Holding AG's Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Helvetia Baloise Holding AG ranks #399 out of 507 companies for Return-on-Tangible-Asset. This places Helvetia Baloise Holding AG in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.74. Helvetia Baloise Holding AG's value of 0.50% is 81.8% below this benchmark. Historically, Helvetia Baloise Holding AG's own Return-on-Tangible-Asset has ranged from 0.42 to 0.93 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 2.74, Helvetia Baloise Holding AG 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.74, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Helvetia Baloise Holding AG's current Return-on-Tangible-Asset of 0.50% is 81.8% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Helvetia Baloise Holding AG and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helvetia Baloise Holding AG's current Return-on-Tangible-Asset is 0.50%, which is 32% below median its own 10-year median of 0.73. 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 CHF187.72, compared to a current price of CHF212.60 — trading 13.3% above its estimated fair value. The current Return-on-Tangible-Asset is 0.50%, which is 32% below median its 10-year median of 0.73 and 81.8% below the Insurance industry median of 2.74. Helvetia Baloise Holding AG's overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Helvetia Baloise Holding AG (XSWX:HBAN), the current Return-on-Tangible-Asset is 0.50% 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 CHF212.60 is trading 13.3% above its estimated GF Value™ of CHF187.72.
GuruFocus considers Helvetia Baloise Holding AG to be Modestly Overvalued.
Key valuation signals for XSWX:HBAN:
Return-on-Tangible-Asset: 0.50% (32% below median its 10-year median of 0.73)
GF Value™: CHF187.72 vs. price of CHF212.60 (13.3% above fair value)
Industry Position: 81.8% below the Insurance median (#399 of 507)
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.
81GF Score
Get the complete analysis for XSWX:HBAN
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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