Swiss Life is predominantly a life and long-term savings company that generates the main share of its revenue and earnings from its domestic market in Switzerland. Revenue breaks down with life insurance at 70.3%, health and protection insurance at 18%, reinsurance at 7.4%, and non-life insurance at 4.3%, distributed geographically across Switzerland (44.3%), France (34.1%), Germany (8.9%), and other regions (12.7%).
Cyborg Score Rationale
Market cap of 25.51B with solid dividend yield demonstrates financial strength. However, the company's low Dividend Sustainability Score highlights potential challenges in upholding current dividend levels, with limited prospects for dividend growth.
Top Insights
Life insurance constitutes over 70% of revenue, making the company highly dependent on a single segment
Geographic diversification across Switzerland, France, and Germany provides exposure to multiple Western European markets
High dividend payout ratio of 82.76% reflects mature business model but limits reinvestment capacity
Recent analyst sentiment neutral with mixed recommendations reflecting valuation and growth concerns
Named Competitors
AXA — European insurance and asset management conglomerate
Allianz — Diversified global insurance and asset management
Zurich Insurance — Swiss-based insurance and risk management
Recent Developments
(May 2025) Dividend payment of CHF35.00 per share
(February 2026) ISS Governance Quality Score disclosed at 5 with varied pillar performance
(January 2026) Stock trading at CHF902.60 with 52-week range of CHF660-942.40
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