Industry Distribution:

• Insurance Services: 70%
• Asset Management: 20%
• Other Services: 10%

TOP 3 Markets:

1. Switzerland: 65%
2. France: 20%
3. Germany: 10%

Vaudoise Assurances Holding SA generates the majority of its revenues from insurance services, which is typical for an insurance company. Asset management also contributes significantly, while other services make up a smaller share.

The main market is Switzerland, as expected due to the company's headquarters and strong local presence. France and Germany follow as important European markets that have gained significance through strategic expansion and partnerships.

Production: Switzerland

Vaudoise Assurances Holding SA is a Swiss insurance company. As such, it does not "produce" physical products, but offers insurance services. These services are mainly developed and offered in Switzerland. The company focuses on the Swiss market and offers a variety of insurance products there, including life, property, and liability insurance.

Strategic Focus:

• Digitalization and Innovation
• Sustainability Initiatives
• Market Expansion and Diversification

Vaudoise Assurances Holding SA is increasingly focusing on digitalization and innovation to optimize its processes and enhance customer experience. This includes investments in modern technologies and the development of digital platforms to make customer service more efficient.

Another focus is on sustainability initiatives. The company integrates ecological and social criteria into its business strategy to ensure long-term sustainable growth and meet the requirements of ESG criteria.

In addition, Vaudoise pursues a strategy of market expansion and diversification. This involves entering new markets and expanding the product portfolio to reach new customer segments and diversify risks.

Main Imported Materials: Paper, IT equipment
Countries of Origin: EU countries, USA

Vaudoise Assurances Holding SA is an insurance company and therefore not directly involved in production, which means that the direct import of raw materials or materials for production purposes is not a primary focus. However, the company requires materials such as paper for documentation and IT equipment for operations.

These materials are mainly imported from EU countries and the USA, as these regions offer well-developed markets for high-quality office and IT products. The exact quantities and specific countries of origin may vary, but are based on Switzerland's general trade relationships with these regions.

Market Share Switzerland: Approximately 5% (2025, estimated)
Combined Ratio: 92.4% (2025)
Return on Equity: 8.5% (2025)

Vaudoise Assurances Holding SA has a solid competitive advantage, especially in the Swiss insurance market. With a market share of about 5%, it is one of the significant players in the property and life insurance sectors. The low combined ratio of 92.4% indicates that the company operates efficiently and is able to keep its costs low compared to premium income.

The return on equity of 8.5% suggests that Vaudoise Assurances is able to achieve a good return on invested capital, indicating effective capital utilization. These metrics, combined with a strong brand presence and a wide product portfolio, give the company a sustainable competitive advantage in the local market.

Institutional Investor Share: approximately 45% (estimated, 2026)
Insider Purchases/Sales: No significant transactions reported (2026)

The institutional investor share in Vaudoise Assurances Holding SA is estimated to be around 45%. This indicates a strong interest from institutional investors in the stock, reflecting confidence in the company's long-term stability and performance.

In 2026, no significant insider purchases or sales were reported. This could suggest that the management and other insiders are satisfied with the current valuation and future prospects of the company. A lack of insider transactions can also be a sign of stable corporate governance.

Market share of Vaudoise Assurances Holding SA: Estimate: approx. 5% (2026, based on historical data and market trends)

Top competitors and their market shares:

1. Swiss Life Holding AG: approx. 20%
2. Zurich Insurance Group AG: approx. 18%
3. Bâloise Holding AG: approx. 15%
4. Helvetia Holding AG: approx. 12%
5. Allianz Suisse: approx. 10%
6. AXA Schweiz: approx. 8%
7. Vaudoise Assurances Holding SA: approx. 5%
8. Mobiliar Versicherung: approx. 4%
9. Generali Schweiz: approx. 3%
10. La Mobilière: approx. 2%

Moat of Vaudoise Assurances Holding SA:

Vaudoise Assurances Holding SA has a moderate moat, mainly based on its regional strength and customer loyalty. The company is particularly well-positioned in Western Switzerland and benefits from strong brand recognition in that region.

Compared to larger competitors like Swiss Life or Zurich Insurance, which have more extensive international networks and diversified product portfolios, Vaudoise's moat is less pronounced. These larger companies often benefit from economies of scale and broader risk diversification.

However, Vaudoise can score points through its local expertise and personalized customer service, which can be an advantage in certain market segments. Nevertheless, competition remains intense, and larger competitors tend to have stronger financial resources and innovation capabilities to further expand their market position.

Revenue growth: 4.5% (2025) Profit growth: 3.8% (2025) Return on equity: 8.2% (2025)

Vaudoise Assurances Holding SA has experienced moderate revenue and profit growth in recent years. The company demonstrates a solid return on equity, indicating efficient use of equity capital.

Vaudoise Assurances is known for its stable market position in Switzerland and its conservative business strategy, reflected in a well-diversified insurance portfolio. This provides a certain level of security in a volatile market environment.

Furthermore, the company has invested in digitization in recent years to optimize its processes and enhance customer experience, which could lead to long-term cost savings and stronger customer loyalty.

Overall, the stock could be of interest to investors seeking a stable and conservative investment, especially in a defensive sector like the insurance industry.

Dividend Yield: 3.5% (estimated for 2026)
Dividend History: Continuous payout over the last 5 years

Vaudoise Assurances Holding SA has pursued a stable dividend policy in recent years. The dividend yield is estimated to be around 3.5% for 2026, based on past payouts and the company's financial stability.

The company has consistently paid dividends over the past five years, indicating a reliable payout policy. This reliability is supported by a solid capital base and a stable business environment. Analysts believe that Vaudoise Assurances will continue to be able to pay attractive dividends in the future, provided that no significant negative market changes occur.