Helvetia Baloise Holding AGXSWX:HBAN +0.47%80 Return-on-Tangible-Equity is 12.77% as of Dec. 2025, which is 8% above its 10-year median of 11.79. GuruFocus rates XSWX:HBAN with a GF Score™ of 80/100 and a GF Value™ of CHF186.13 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 499 Insurance companies, Helvetia Baloise Holding AG ranks better than 58.92% 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. Helvetia Baloise Holding AG's annualized net income for the quarter that ended in Dec. 2025 was CHF490 Mil. Helvetia Baloise Holding AG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was CHF3,837 Mil. Therefore, Helvetia Baloise Holding AG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 12.77%.
The historical rank and industry rank for Helvetia Baloise Holding AG's Return-on-Tangible-Equity or its related term are showing as below:
XSWX:HBAN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.34 Med: 11.79 Max: 20.02
Current: 16.17
During the past 13 years, Helvetia Baloise Holding AG's highest Return-on-Tangible-Equity was 20.02%. The lowest was 5.34%. And the median was 11.79%.
XSWX:HBAN's Return-on-Tangible-Equity is ranked better than 58.92% of 499
companies
in the Insurance industry
Industry Median: 13.52
vs XSWX:HBAN: 16.17
Helvetia Baloise Holding AG (XSWX:HBAN) Return-on-Tangible-Equity Explanation
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.
Helvetia Baloise Holding AG Return-on-Tangible-Equity Related Terms
Helvetia Baloise Holding AG 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.
Helvetia Baloise Holding AG Return-on-Tangible-Equity Chart
XSWX:HBAN vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Helvetia Baloise Holding AG'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.
Helvetia Baloise Holding AG Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Helvetia Baloise Holding AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Helvetia Baloise Holding AG'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 12.77% mean?
Helvetia Baloise Holding AG (XSWX:HBAN) has a Return-on-Tangible-Equity of 12.77% 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 Helvetia Baloise Holding AG and its competitors. This is near median its historical median of 11.79. Over the past decade, Helvetia Baloise Holding AG's Return-on-Tangible-Equity has ranged from 5.34 to 20.02. According to the industry distribution chart, Helvetia Baloise Holding AG ranks #205 out of 499 companies in the Insurance industry, placing it in the top 41.1%.
Is Helvetia Baloise Holding AG's Return-on-Tangible-Equity too high?
Helvetia Baloise Holding AG's current Return-on-Tangible-Equity of 12.77% is near median its 10-year median of 11.79. Over the past 10 years, this metric has ranged from a low of 5.34 to a high of 20.02. The Insurance industry median Return-on-Tangible-Equity is 13.52. Helvetia Baloise Holding AG's value of 12.77% is 5.5% below this industry median. Based on the distribution chart, Helvetia Baloise Holding AG ranks #205 out of 499 companies in the Insurance industry, which is above the industry midpoint. Overall, Helvetia Baloise Holding AG has a GF Score™ of 80/100 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-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Helvetia Baloise Holding AG ranks #205 out of 499 companies for Return-on-Tangible-Equity. This puts Helvetia Baloise Holding AG in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Helvetia Baloise Holding AG's value of 12.77% is 5.5% below this benchmark. Historically, Helvetia Baloise Holding AG's own Return-on-Tangible-Equity has ranged from 5.34 to 20.02 over the past decade. While the company's 10-year median is 11.79 vs. the industry median of 13.52, 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 499 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. Helvetia Baloise Holding AG's current Return-on-Tangible-Equity of 12.77% is 5.5% 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 Helvetia Baloise Holding AG 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. Helvetia Baloise Holding AG's current Return-on-Tangible-Equity is 12.77%, which is near median its own 10-year median of 11.79. 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 CHF186.13, compared to a current price of CHF211.80 — trading 13.8% above its estimated fair value. The current Return-on-Tangible-Equity is 12.77%, which is near median its 10-year median of 11.79 and 5.5% below the Insurance industry median of 13.52. Helvetia Baloise Holding AG's overall GF Score™ is 80/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Helvetia Baloise Holding AG (XSWX:HBAN), the current Return-on-Tangible-Equity is 12.77% 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 CHF211.80 is trading 13.8% above its estimated GF Value™ of CHF186.13.
GuruFocus considers Helvetia Baloise Holding AG to be Modestly Overvalued.
Key valuation signals for XSWX:HBAN:
Return-on-Tangible-Equity: 12.77% (near median its 10-year median of 11.79)
GF Value™: CHF186.13 vs. price of CHF211.80 (13.8% above fair value)
Industry Position: 5.5% below the Insurance median (#205 of 499)
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.
80GF Score
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