HB
HBANC.S
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Insurance
Helvetia Baloise Holding AG
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
20,2B USD
P/E
36,6x
EV / Rev
—
Div yield
3,60 %
Op margin
—
ROE
4,1 %
Net margin
—
Debt / equity
0,43
Beta
—
52w range
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Volume
—
Day range
—
Prev close
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Open
—
Next earnings
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Ex-dividend
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TR 1Y
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About
Helvetia Baloise Holding AG operates as a multiline insurance and broker entity within the Financials sector, generating revenue through underwriting and investment activities.
Business. Helvetia Baloise Holding AG (HBANC.S) is a Swiss insurance company headquartered in Switzerland that operates within the multiline insurance and brokers industry. The firm is primarily listed on the Swiss exchange under the ticker HBANC.S. Specific details regarding its operating segments and geographic revenue mix are not available.
Classification62 %
SectorFinancials
Business sectorInsurance
ActivityMultiline Insurance & Brokers
Generated · model-assisted
Sell-side consensus
BUY9 analysts
6 buy2 hold1 sell
Avg 12m price target224,32
Analyst recommendations
9 analysts · consensus BuyBuy6
Hold2
Sell1
12-month price target
224,32
Consensus of sell-side coverage.
At a glance
Score
—
not yet scored
Valuation→
36,6x
P/E
Analysts→
Buy
9 analysts · indicative
Ownership
—
not yet wired
Profitability→
4,1 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to HBANC.S. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Helvetia Baloise Holding AG (HBANC.S) is a Swiss insurance company headquartered in Switzerland that operates within the multiline insurance and brokers industry. The firm is primarily listed on the Swiss exchange under the ticker HBANC.S. Specific details regarding its operating segments and geographic revenue mix are not available.
Classification62 %
SectorFinancials
Business sectorInsurance
ActivityMultiline Insurance & Brokers
AI synthesis
GENERATED— missing data
Key takeaways
- Helvetia Baloise holds a debt-to-equity ratio of 0.43, with total long-term debt of CHF 5.7 billion against CHF 13.5 billion in equity.
- Return on equity stands at 4.1%, with net income of CHF 552.3 million derived from CHF 840.6 million in operating income.
- Liquidity risk is rated medium, driven by a negative net cash position after debt subtraction despite CHF 4.5 billion in cash equivalents.
- Dilution risk is low, as basic and diluted share counts are identical at 99.1 million shares.
- Analyst sentiment is moderately positive, with a mean price target of CHF 224.32 and a mean recommendation of 2.33.
- Valuation multiples include a P/E of 36.63 and a P/B of 1.5, reflecting market expectations for stable earnings and book value growth.
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Annual
ANNUALFiled 2026-04-15
FY 2026 · Full-year highlights
Operating income +10,9% YoY; Net income +14,6% YoY.
Revenue—
Operating incomeCHF 840.6M+10,9 % YoY
Net incomeCHF 552.3M+14,6 % YoY
Free cash flowCHF 271.5M+80,5 % YoY
EPS—
Operating cash flowCHF 790.7M+1 743,1 % YoY
Financials
Income statement
Revenue—
Gross profit—
Operating incomeCHF 840.6M
Net incomeCHF 552.3M
Balance sheet
Total assetsCHF 146.46B
Total liabilitiesCHF 132.98B
Total equityCHF 13.48B
Cash & equivalentsCHF 4.53B
Long-term debtCHF 5.74B
Cash flow
Operating cash flowCHF 790.7M
CapEx-CHF 76.7M
Free cash flowCHF 271.5M
SBC—
Highlights
- ▍Operating income +10,9% YoY
- ▍Net income +14,6% YoY
- ▍Free cash flow +80,5% YoY
ANNUALFiled 2025-03-06
FY 2025 · Full-year highlights
Operating income +53,1% YoY; Net income +70,2% YoY.
Revenue—
Operating incomeCHF 758.1M+53,1 % YoY
Net incomeCHF 481.9M+70,2 % YoY
Free cash flowCHF 150.4M+599,5 % YoY
EPS—
Operating cash flowCHF 42.9M−95,8 % YoY
Financials
Income statement
Revenue—
Gross profit—
Operating incomeCHF 758.1M
Net incomeCHF 481.9M
Balance sheet
Total assetsCHF 60.96B
Total liabilitiesCHF 56.83B
Total equityCHF 4.14B
Cash & equivalentsCHF 1.42B
Long-term debtCHF 2.36B
Cash flow
Operating cash flowCHF 42.9M
CapEx-CHF 161.1M
Free cash flowCHF 150.4M
SBC—
Highlights
- ▍Operating income +53,1% YoY
- ▍Net income +70,2% YoY
- ▍Free cash flow +599,5% YoY
ANNUALFiled 2024-04-11
FY 2024 · Full-year highlights
Operating income −10,6% YoY; Net income −35,5% YoY.
Revenue—
Operating incomeCHF 495.3M−10,6 % YoY
Net incomeCHF 283.1M−35,5 % YoY
Free cash flowCHF 21.5M−89,5 % YoY
EPS—
Operating cash flowCHF 1.01B+5 277,6 % YoY
Financials
Income statement
Revenue—
Gross profit—
Operating incomeCHF 495.3M
Net incomeCHF 283.1M
Balance sheet
Total assetsCHF 59.22B
Total liabilitiesCHF 55.40B
Total equityCHF 3.81B
Cash & equivalentsCHF 1.89B
Long-term debtCHF 2.29B
Cash flow
Operating cash flowCHF 1.01B
CapEx-CHF 107.6M
Free cash flowCHF 21.5M
SBC—
Highlights
- ▍Operating income −10,6% YoY
- ▍Net income −35,5% YoY
- ▍Free cash flow −89,5% YoY
ANNUALFiled 2023-03-06
FY 2023 · Full-year highlights
Operating income −31,5% YoY; Net income −11,8% YoY.
Revenue—
Operating incomeCHF 554.3M−31,5 % YoY
Net incomeCHF 438.8M−11,8 % YoY
Free cash flowCHF 203.7M−43,1 % YoY
EPS—
Operating cash flow-CHF 19.6M−102,9 % YoY
Financials
Income statement
Revenue—
Gross profit—
Operating incomeCHF 554.3M
Net incomeCHF 438.8M
Balance sheet
Total assetsCHF 57.50B
Total liabilitiesCHF 53.57B
Total equityCHF 3.93B
Cash & equivalentsCHF 1.46B
Long-term debtCHF 2.08B
Cash flow
Operating cash flow-CHF 19.6M
CapEx-CHF 115.5M
Free cash flowCHF 203.7M
SBC—
Highlights
- ▍Operating income −31,5% YoY
- ▍Net income −11,8% YoY
- ▍Free cash flow −43,1% YoY
ANNUALFiled 2022-03-24
FY 2022 · Full-year highlights
Operating income CHF 809.5M.
Revenue—
Operating incomeCHF 809.5M
Net incomeCHF 497.2M
Free cash flowCHF 357.9M
EPS—
Operating cash flowCHF 678.7M
Financials
Income statement
Revenue—
Gross profit—
Operating incomeCHF 809.5M
Net incomeCHF 497.2M
Balance sheet
Total assetsCHF 69.74B
Total liabilitiesCHF 63.04B
Total equityCHF 6.70B
Cash & equivalentsCHF 133.5M
Long-term debtCHF 2.11B
Cash flow
Operating cash flowCHF 678.7M
CapEx-CHF 69.5M
Free cash flowCHF 357.9M
SBC—
Highlights
- ▍Operating income CHF 809.5M
Valuation FY
Market price
$204,20
Market cap
$20.23B
Enterprise valueⓘ
$21.44B
P/Eⓘ
36.6x
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
25.5x
EV / OCFⓘ
27.1x
P / Bⓘ
1.5x
P / Tangible bookⓘ
1.5x
Tangible book
$13.48B
Net cashⓘ
-$1.21B
Current ratioⓘ
—
Debt / equityⓘ
0.4
ROAⓘ
0.4%
ROEⓘ
4.1%
Cash conversionⓘ
143.0%
CapEx / revenueⓘ
—
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 52 %
EPS
Consensus EPS
11,52
Predicted surprise
+0,00
Beat probability
52 %
Analysts
9
Other metrics
Revenue
—
no estimate
Segment revenue
—
no estimate
Margin
—
no estimate
Segment margin
—
no estimate
revision ratio 0,15 · as of 2026-07-13 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 11,52 |
| Revenue | —no estimate | —no estimate | 14,5B CHF |
| Operating income | —no estimate | —no estimate | 1,3B CHF |
Full-year consensus mean (period as reported by source) · consensus in CHF. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution9 analysts
Strong buy1
Buy5
Hold2
Sell1
Strong sell0
12-month price target$224,32 · Median $222,50
Low $190,00High $267,00
Operating income · consensus1,3B CHF
EPS surprise
−10,4 %
reported vs consensus · miss
Revenue surprise
−35,9 %
reported vs consensus · miss
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$190,00
Mean$224,32
Median$222,50
High$267,00
Spot$204,20
+9.9 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskMedium
Filing-based flags
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
ROE4,1 %Below median
D/E0,43Below median
Cash Conv1,43Above median
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Reference data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Market Capmarket_price * shares_outstanding_diluted
- Enterprise Valuemarket_cap - net_cash
- Return On Assetsnet_income / total_assets
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Source documents
- Helvetia Baloise Holding AG Market data — financials · 2026-07-13
- Helvetia Baloise Holding AG Market data — analyst estimates · 2026-07-13
- Helvetia Baloise Holding AG Market data — ESG · 2026-07-13
- Helvetia Baloise Holding AG — company reference export (2026-07-05) · 2026-07-13
Ownership & reference
Insider activity
— missing data
Short positioning
— missing data
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
HBANC.SCanonical
— · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskMedium
Net cash is negative after subtracting total debt.
Evidence & claims
From filings & derived data— missing data
The Thread
Everything we know, in order2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated
2026-04-15 14:34 UTCEARNINGSAnnual results — FY 2026 Net CHF 552.3M
2025-03-06 06:16 UTCEARNINGSAnnual results — FY 2025 Net CHF 481.9M
2024-04-11 06:01 UTCEARNINGSAnnual results — FY 2024 Net CHF 283.1M
2023-03-06 06:02 UTCEARNINGSAnnual results — FY 2023 Net CHF 438.8M
2022-03-24 08:27 UTCEARNINGSAnnual results — FY 2022 Net CHF 497.2M
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Reference data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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