SWISS LIFE

Analysis of Swiss Life share price

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Before you buy Swiss Life shares, take a few moments to discover all the important information you need to know about this Swiss group with details of its activities, its main competitors and the recent strategic partnerships it has set up. You will also discover here some information to succeed your technical and fundamental analysis of its price with the elements and events to follow in priority as well as of course some general stock exchange data.

Elements that can influence the price of this asset:

Analysis N°1

The expansion strategies with more varied products currently being implemented as well as the strategy to improve operational efficiency should bear fruit.

Analysis N°2

The group also wants to be in more direct contact with its customers by improving the quality and quantity of these contacts.

Analysis N°3

Finally, Swiss Life is currently working on improving the distribution of its products with a higher quality of advice.

Analysis N°4

First of all, the Swiss Life Group's difficulties in developing its activities in various countries outside France, Germany and Switzerland must be taken into account.

Analysis N°5

The rating systems of insurance groups by external agencies is also a threat in the face of competing groups with excellent ratings.

Analysis N°6

The Group's activities are highly dependent on economic cycles and may therefore suffer losses in the event of a crisis.

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General presentation of Swiss Life

The Swiss Life Group, which stands for Schweizerische Lebenversicherung und Rentananstalt, is a company specialising in insurance, and more specifically in life insurance. It is based in Zurich and is one of the leaders in its sector in Europe. Indeed, Swiss Life is the number one in life insurance in Switzerland but also leader in this field in Germany, France and Luxembourg. Of course, this group, although specialized in life insurance, also offers other types of insurance contracts. We can thus divide its activities into two main branches and in this way:

Life insurance is, of course, the largest business area for the Swiss Life Group, generating 97.2% of the Group's net earned premiums.

This is followed by non-life insurance contracts, including accident insurance, home insurance, provident and mutual insurance, which generate around 2.8% of the group's net premiums.

The Swiss Life Group has a particularly strong presence in Switzerland and Europe, employing over 7 500 people in various countries and generating annual sales of around CHF 20 billion. Its shares are listed on the SMI market of the Zurich Stock Exchange.

From a geographical point of view, Swiss Life naturally generates the largest share of its net earned premiums in Switzerland (70.3%). France accounts for 20.6%, Germany for 8.8% and the rest of the world for the remaining 0.3%.

Analysis of Swiss Life share price
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The major competitors of Swiss Life

The Swiss Life Group is the market leader in its category in Switzerland and, as mentioned above, it is also the leading non-life insurer in France and Germany. But of course, whether it is in the context of its life or non-life insurance contracts, this group is still competing with various European companies that are trying to impose themselves on the same markets and win new customers every day. Here is the list of the 20 largest European insurers in terms of turnover.

The German group Munich Re

The Swiss group Zurich Insurance

The British group Prudential

The French group CNP Assurances

The Swiss Chubb Group

The British group Lloyd's of London

The German HDI Group

The Spanish group Mapfre

The French group Natixis

The Italian group Poste Vita

The Dutch Achmea Group

The French group SGAM Covéa


The major partners of Swiss Life

To become one of Europe's leading insurance companies, the Swiss Life Group can of course draw on its many years of experience in this field. But it can also rely on targeted partnerships and strategic alliances that it regularly enters into in order to generate additional income or attract new customers. To better understand the value of these partnerships, here are some recent examples of alliances set up by Swiss Life.

Weight Weitchers

In 2013, the Swiss Life Group joined forces with the Weight Weitchers Group, which specialises in weight loss solutions. The aim of this partnership is to offer the clients of these two groups a specific and innovative offer that aims to promote a healthier lifestyle and to lose weight easily and sustainably. Thus, users of the Weight Wetchers solution who are also insured with Swiss Life and who benefit from the insurer's prevention package will be able to take advantage of the coverage of part of the cost of the Weight Wetchers formula through their complementary health insurance.

MADP

In 2015, Swiss Life entered into a strategic partnership with one of its indirect competitors, the MADP Group. The aim of this partnership is to enable MADP to boost its long-term development and, in return, to allow Swiss Life to benefit from the MADP Group's portfolio of insured professionals, pharmacists and biologists.

Optic 2000

More recently, the Swiss Life Group joined forces with the Optic 2000 group of opticians. It is offering its corporate clients a free vision prevention programme in Optic 2000 centres or on company premises, aimed at assessing the visual health of their employees. Of course, this strategy will make it easier for Swiss Life to win new clients by raising its profile with the general public.

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The factors in favour of a rise in the Swiss Life share price:
  • First of all, and this is undoubtedly Swiss Life's main asset, this insurance group benefits from a very advantageous position in the field of life insurance. It is indeed the first insurer for this type of contracts in Switzerland but also in its two other target countries in Europe, namely Germany and France.
  • And it is not without reason that the Swiss Life Group has been able to conquer these markets and win over consumers. Another strength is the Group's current strategy of focusing not only on business and marketing, but also on corporate social responsibility, employee responsibility and environmental responsibility. In this way, Swiss Life can enjoy an excellent brand image in the eyes of the public.
  • The Swiss Life Group is also involved in a number of marketing initiatives to enhance its brand image, including sponsorship of the Swiss national football team, which gives it a high profile and makes its brand more popular.
  • Finally, the last advantage of the Swiss Life Group that can be mentioned here concerns the wide variety of insurance and provident contracts and products that it offers. Although life insurance contracts are still the most profitable for the group, it is tending to diversify more and more into non-life products by targeting both individual consumers and companies, which should enable it to reduce its exposure to risk.
The factors in favour of a drop in the Swiss Life share price:
  • First of all, it should be noted that the Swiss Life Group is encountering certain difficulties in developing abroad, both in Europe outside Switzerland, France and Germany, and internationally. As a result, the Group is highly exposed to the geo-economic risks of these countries.
  • Swiss Life's strategic weakness in the distribution channels for its insurance products is also to be regretted. A large proportion of these products are distributed by independent brokers who take a share of the profits and thus reduce Swiss Life's profits by increasing operating costs.
  • Finally, compared to some of its competitors, the Swiss Life Group is struggling to establish itself as a single, global solution for all financial services. It is still very strongly associated with life insurance and is therefore finding it difficult to recruit in other areas.
The information supplied here is only for indicative purposes and should not be used without the completion of a comprehensive and complete fundamental analysis of this asset notably taking into account exterior data, future publications and announcements and all fundamental events and news that could influence the strengths and weaknesses or make them more or less significant. This information does not in any way constitute recommendations relating to the completion of transactions.

Frequently Asked Questions

What is the latest data available on the Swiss Life share?

Of course, the Swiss Life Group regularly publishes data on its workforce, financial results and important news. The latest data available to us today shows, for example, that in the 2019 financial year, the Group generated sales of CHF 23 billion and net income of CHF 1 205 million. The group currently employs around 9,300 people.

On which stock market index can the Swiss Life share be found?

The Swiss Life Group share is of course listed on the Swiss stock market. But it is also important to know that the company is part of the Swiss benchmark stock market index, the SMI or Swiss Market Index. This Swiss market index is a stock market index that groups the 20 main stocks of this country that are listed on the SIX Swiss Exchange. The Swiss Life share is thus one of the so-called 'blue chips' of this market.

How can I follow the Swiss Life share price live?

If it is relatively simple to consult the quotation of the Swiss Life share since many stock exchange sites contain this information, it is recommended that you only rely on the stock exchange charts in real time and integrating a possibility of personalization on various periods or the possibility of displaying technical indicators in direct.

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