profit from every CHF 100 of sales.
CHF 0CHF 100
Helvetia Baloise
CHF 230.20+0.70% today
+11.2% in 1 year
1-year low CHF 186.501-year high CHF 230.20
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay CHF 41.27 for every CHF 1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Helvetia Baloise sold, what it kept, and what it did with the cash.
Sales went from CHF 7.21 billion in 2022 to CHF 10.7 billion in 2025, with CHF 552 million of profit last year.
SalesProfit
Helvetia Baloise handed back 57% of the cash it generated last year.
CHF 375M
Free cash flow 2025CHF 714M
Bought back its own sharesCHF 36M
Paid as dividendsCHF 375M
Cash vs. debtCHF 4.5B vs. CHF 4.5B
Helvetia Baloise vs. similar companies
Helvetia Baloise grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from CHF 100 of sales | Sales growth a year | Price per CHF 1 of profit |
|---|---|---|---|
| Helvetia Baloise | 41.3× · Expensive | ||
 Allianz | 16.6× · Fair price | ||
 Zurich Insurance Group | 17.2× · Fair price | ||
 AXA SA | 10.1× · Cheap | ||
 Assicurazioni Generali | 16.0× · Fair price |
AI analysis
An AI analyst reads Helvetia Baloise's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CHF | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 7,214 | 10,484 | 11,224 | 10,676 | |
| – | – | – | – | |
| – | – | – | – | |
| 732 | 690 | 948 | 1,013 | |
| 439 | 283 | 482 | 552 | |
| 8.03 | 5.24 | 8.99 | – | |
| – | – | – | – | |
| – | – | – | – | |
| 6.1% | 2.7% | 4.3% | 5.2% |
Balance sheet
| In millions of CHF | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 57,500 | 59,216 | 60,961 | 146,458 |
| Cash | 1,460 | 1,893 | 1,424 | 4,531 |
| Total debt | 2,078 | 1,987 | 2,000 | 4,506 |
| Total liabilities | 53,248 | 55,100 | 56,517 | 132,700 |
| 3,934 | 3,812 | 4,135 | 13,479 | |
| 53 | 53 | 53 | – | |
| 8.0% | 7.5% | 10.9% | 4.0% | |
| 11.2% | 7.4% | 11.7% | 4.1% |
Cash flow
| In millions of CHF | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -20 | 1,015 | 43 | 791 | |
| 116 | 108 | 161 | 77 | |
| -135 | 907 | -118 | 714 | |
| Dividends paid | 323 | 337 | 353 | 375 |
| 309 | 31 | 18 | 36 | |
| 1 | 1 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 41.3×
- –
- –
- 1.5×
- 2.1×
- 2.4%
- 1.6%
Profitability
- 5.2%
- 4.0%
- 7.6%
- –
- –
Growth
- +14.0%
- –
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 48%of 848
Bottom 10%of 880
Top 32%of 878
Bottom 34%of 932
1.6%of the share price, paid each year
On $1,000 invested$16a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
67.9% of its profit
Room to growStretchedMore than it earns: 52.5%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
45No pass
Benjamin Graham
52No pass
Philip Fisher
40No pass
Peter Lynch
61Pass
Joel Greenblatt
9No pass
Charlie Munger
34No pass
Terry Smith
40No pass
Questions about Helvetia Baloise
Is Helvetia Baloise a good stock to buy?
A business with weak numbers, but the price is high. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Helvetia Baloise AI analysis
What does Helvetia Baloise do?
Helvetia Baloise Holding AG engages in life and non-life insurance, and reinsurance business. It is in Insurance - Diversified, based in Basel, Switzerland, with 22,896 employees.
Does Helvetia Baloise pay a dividend?
Yes. At today's price the dividend is 1.6% a year, about 68% of its yearly profit. In 2025 it paid out CHF 375 million in dividends.
Is Helvetia Baloise stock halal?
No. Helvetia Baloise does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Helvetia Baloise stock done over the past year?
Up 11.2% over the past twelve months, to CHF 230.20. It traded between CHF 186.50 and CHF 230.20, close to its high.
Who are Helvetia Baloise's competitors?
The largest listed companies in the same industry are Allianz, Zurich Insurance Group, AXA SA and Assicurazioni Generali. The peers table on this page compares their profit, growth and price with Helvetia Baloise's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.