Choose a model
Each card values Baloise a different way, shown at our starting inputs. Pick one to see and change how it works.
Set your assumptions
Baloise on book value: book value per share (equity) grows with retained profit and is priced at a normal price-to-book. For banks and insurers.
Years to project
Growth of book value per share
Book value per share; starts at its own recent growth
Exit P/B
Starts at its own median P/B over five years
Your desired return
Margin of safety
More
Your buy price
The expected return is measured from it; starts at today's price
How it's worked out
Today's book value per share
Last twelve months
CHF 260.15
Book value in 2031
Grows 20.0% a year for 5 years
CHF 647.33
Price in 2031
CHF 647.33 × 1.6 P/B
CHF 1,035.73
Worth today
÷ 1.10^5: your 10% a year, taken back out
CHF 643.11
Plus dividends
CHF 68.76 paid over 5 years, discounted the same way
+ CHF 50.36
Fair value
The most you can pay and still earn 10% a year
CHF 693.47
Buy below
Fair value minus your 25% margin of safety
CHF 520.10
Paying CHF 215.60 instead gives 38.6% a year. Every rule is on the methodology page.
Outcome
What your assumptions give, and the path from today's price.
Fair value
CHF 693.47
Expected return
38.6% a year
Future price, 2031
CHF 1,035.73
Buy below
CHF 520.10
Price 69% below fair valuePrice CHF 215.60, at your 10% return
Projection
Solid blue: the price at each year end. Dashed blue: from today's price to the 2031 price. Green: from the fair value, rising at your 10% a year to the same end point; buy at or below it and you earn at least that. Every rule is on the methodology page. A model, not a forecast or advice.
Baloise (HBAN.XSWX) intrinsic value and fair value
The calculator grows one of Baloise's per-share figures (earnings, free cash flow, revenue, book value or dividends) for a few years, puts an exit multiple on it, and discounts the result back at the yearly return you want. The answers below use its starting inputs for HBAN.XSWX; this is analysis, not investment advice.
Frequently asked
What is Baloise's (HBAN.XSWX) intrinsic value?+
With Intrinsiqq's starting inputs, Baloise's fair value is about CHF 693.47 a share, based on its book value per share. That assumes book value per share of CHF 260.15 grows about 20.0% a year for 5 years, the stock then trades at 1.6 times book value, and you want a 10.0% yearly return. On its other figures: earnings CHF 253.54, free cash flow CHF 128.80, revenue CHF 260.12, dividends CHF 246.60. Every input can be changed on the page; the result is a model, not a forecast.
Is Baloise overvalued?+
At CHF 215.60, the price is 69% below that fair value of CHF 693.47, and buying at today's price would return about 38.6% a year if those inputs hold. Whether that is cheap or dear depends on whether you believe the growth and the exit multiple, which is what the calculator lets you test. This is analysis from company filings, not investment advice.
What growth does the Baloise valuation assume?+
Book value per share grows about 20.0% a year to start, its own recent growth per share (three years for a company not yet profitable, five otherwise), capped at 20%. The exit multiple starts at its own median over five years.
What is a good margin of safety for Baloise?+
A margin of safety is the cushion you want below the fair value before buying, in case the inputs are wrong. The calculator uses 25%, which puts the buy-below price at CHF 520.10. Less predictable businesses deserve a wider cushion, or a higher desired return.
Peers
Insurance - Diversified · Pick stocks to compare with HBAN.XSWX
Held by ETFs
HBAN.XSWX is in 77 US ETFs. The largest of them, with HBAN.XSWX's weight in each:
Vanguard Total International Stock ETFVXUS0.04%of the fund
iShares Core MSCI EAFE ETFIEFA0.08%of the fund
Spot a number that looks wrong?
Download this analysis as a PDF (Pro)
Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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