Vaudoise Assurances HoldingVDASF 54 Return-on-Tangible-Equity is 5.83% as of Dec. 2025, which is 4% below its 10-year median of 6.09. 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 500 Insurance companies, Vaudoise Assurances Holding ranks worse than 74.4% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Vaudoise Assurances Holding's annualized net income for the quarter that ended in Dec. 2025 was $181 Mil. Vaudoise Assurances Holding's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $3,109 Mil. Therefore, Vaudoise Assurances Holding's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 5.83%.
The historical rank and industry rank for Vaudoise Assurances Holding's Return-on-Tangible-Equity or its related term are showing as below:
VDASF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.6 Med: 6.09 Max: 7.92
Current: 6.28
During the past 13 years, Vaudoise Assurances Holding's highest Return-on-Tangible-Equity was 7.92%. The lowest was 5.60%. And the median was 6.09%.
VDASF's Return-on-Tangible-Equity is ranked worse than 74.4% of 500
companies
in the Insurance industry
Industry Median: 13.515
vs VDASF: 6.28
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Vaudoise Assurances Holding Return-on-Tangible-Equity Related Terms
Vaudoise Assurances Holding Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Vaudoise Assurances Holding's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Vaudoise Assurances Holding's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Vaudoise Assurances Holding's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 5.83% mean?
Vaudoise Assurances Holding (VDASF) has a Return-on-Tangible-Equity of 5.83% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Vaudoise Assurances Holding and its competitors. This is near median its historical median of 6.09. Over the past decade, Vaudoise Assurances Holding's Return-on-Tangible-Equity has ranged from 5.60 to 7.92. According to the industry distribution chart, Vaudoise Assurances Holding ranks #372 out of 500 companies in the Insurance industry, placing it in the top 74.4%.
Is Vaudoise Assurances Holding's Return-on-Tangible-Equity too high?
Vaudoise Assurances Holding's current Return-on-Tangible-Equity of 5.83% is near median its 10-year median of 6.09. Over the past 10 years, this metric has ranged from a low of 5.60 to a high of 7.92. The Insurance industry median Return-on-Tangible-Equity is 13.52. Vaudoise Assurances Holding's value of 5.83% is 56.9% below this industry median. Based on the distribution chart, Vaudoise Assurances Holding ranks #372 out of 500 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 Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vaudoise Assurances Holding ranks #372 out of 500 companies for Return-on-Tangible-Equity. This places Vaudoise Assurances Holding in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Vaudoise Assurances Holding's value of 5.83% is 56.9% below this benchmark. Historically, Vaudoise Assurances Holding's own Return-on-Tangible-Equity has ranged from 5.60 to 7.92 over the past decade. While the company's 10-year median is 6.09 vs. the industry median of 13.52, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vaudoise Assurances Holding's current Return-on-Tangible-Equity of 5.83% is 56.9% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Vaudoise Assurances Holding and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vaudoise Assurances Holding's current Return-on-Tangible-Equity is 5.83%, which is near median its own 10-year median of 6.09. 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 Return-on-Tangible-Equity of 5.83%. 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 Return-on-Tangible-Equity is 5.83%, which is near median its 10-year median of 6.09 and 56.9% below the Insurance industry median of 13.52. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Vaudoise Assurances Holding (VDASF), the current Return-on-Tangible-Equity is 5.83% 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:
Return-on-Tangible-Equity: 5.83% (near median its 10-year median of 6.09)
GF Value™: $318.25 vs. price of $477.00 (49.9% above fair value)
Industry Position: 56.9% below the Insurance median (#372 of 500)
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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