ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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.
For the Insurance - Diversified subindustry, Vaudoise Assurances Holding's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Vaudoise Assurances Holding's ROE % distribution charts can be found below:
* The bar in red indicates where Vaudoise Assurances Holding's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Vaudoise Assurances Holding (VDASF) has a ROE % of 5.64% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Vaudoise Assurances Holding and its competitors. This is near median its historical median of 6.00. Over the past decade, Vaudoise Assurances Holding's ROE % has ranged from 5.52 to 7.84. According to the industry distribution chart, Vaudoise Assurances Holding ranks #371 out of 505 companies in the Insurance industry, placing it in the top 73.5%.
Is Vaudoise Assurances Holding's ROE % too high?
Vaudoise Assurances Holding's current ROE % of 5.64% is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 5.52 to a high of 7.84. The Insurance industry median ROE % is 11.66. Vaudoise Assurances Holding's value of 5.64% is 51.6% below this industry median. Based on the distribution chart, Vaudoise Assurances Holding ranks #371 out of 505 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 ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vaudoise Assurances Holding ranks #371 out of 505 companies for ROE %. This places Vaudoise Assurances Holding in the lower half of its industry. The industry median ROE % is 11.66. Vaudoise Assurances Holding's value of 5.64% is 51.6% below this benchmark. Historically, Vaudoise Assurances Holding's own ROE % has ranged from 5.52 to 7.84 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 11.66, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.66, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vaudoise Assurances Holding's current ROE % of 5.64% is 51.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Vaudoise Assurances Holding and its competitors. For the Insurance industry, the median ROE % is 11.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vaudoise Assurances Holding's current ROE % is 5.64%, which is near median its own 10-year median of 6.00. 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 ROE % of 5.64%. 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 ROE % is 5.64%, which is near median its 10-year median of 6.00 and 51.6% below the Insurance industry median of 11.66. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Vaudoise Assurances Holding (VDASF), the current ROE % is 5.64% 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:
ROE %: 5.64% (near median its 10-year median of 6.00)
GF Value™: $318.25 vs. price of $477.00 (49.9% above fair value)
Industry Position: 51.6% below the Insurance median (#371 of 505)
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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