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1. Company Snapshot

1.a. Company Description

VZ Holding AG, together with its subsidiaries, provides financial services in Switzerland and Germany.The company offers retirement, investment and asset management, mortgage and real estate, will and inheritance, tax, pension benefits and insurance, and account and deposit services to individuals.It also provides occupational benefit, fiduciary, risk management, business insurance, pension funds and foundation, and succession services to corporates.


In addition, the company offers financial consulting and wealth management, securities accounts, securities and currency transactions, portfolio advisory and management, and mortgage credits provision and purchasing services, as well as sureties and guarantees for clients.Further, it provides investment research services, as well as consulting and management services; portfolio management; banking services; mortgage management and transfer services; property and casualty insurance products; and management services of investment foundations, pension funds, and other institutions offering occupational benefit schemes.The company focuses on serving individuals and couples aged 50 or over who live in their own homes.


It also offers its services through VZ Finanzportal, an online portal, which enables customers to manage their financial transactions online; and a-la-carte support services.The company was founded in 1992 and is headquartered in Zurich, Switzerland.VZ Holding AG is a subsidiary of Madarex Ltd.

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1.b. Last Insights on VZN

VZ Holding AG's recent performance was impacted by unfavorable business conditions. The company's first half 2025 earnings revealed a notable increase in expenses, potentially straining profitability. Although EPS rose to CHF 2.83 from CHF 2.59 in 1H 2024, investors may be concerned about the sustainability of this growth. According to recent reports, the company faces intense competition in the market, which could pressure its pricing power. Additionally, regulatory changes and economic uncertainty may affect VZ Holding's operations, potentially influencing its future outlook.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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VZ Holding First Half 2025 Earnings: EPS: CHF2.83 (vs CHF2.59 in 1H 2024)

Aug -21

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Is It Worth Considering Forbo Holding AG (VTX:FORN) For Its Upcoming Dividend?

Apr -07

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Investors in Autoneum Holding (VTX:AUTN) have seen respectable returns of 40% over the past five years

Apr -01

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Should You Be Adding Bâloise Holding (VTX:BALN) To Your Watchlist Today?

Mar -19

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Institutions own 19% of VZ Holding AG (VTX:VZN) shares but private companies control 56% of the company

Jan -08

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Should You Be Adding Compagnie Financière Tradition (VTX:CFT) To Your Watchlist Today?

Dec -03

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Despite shrinking by CHF142m in the past week, ARYZTA (VTX:ARYN) shareholders are still up 193% over 3 years

Oct -24

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Private companies account for 56% of VZ Holding AG's (VTX:VZN) ownership, while individual investors account for 18%

May -05

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.00%)

6. Segments

Financial Services

Expected Growth: 5%

VZ Holding AG's Financial Services segment growth is driven by increasing demand for digital payment solutions, expansion into emerging markets, strategic partnerships, and investments in fintech innovation. Additionally, the growing need for risk management and compliance services, as well as the rising adoption of blockchain technology, contribute to the segment's 5% growth.

7. Detailed Products

Cloud Services

VZ Holding AG's cloud services provide scalable and secure infrastructure for businesses, enabling them to store, manage, and process data efficiently.

Cybersecurity Solutions

VZ Holding AG's cybersecurity solutions offer advanced threat detection, incident response, and compliance management to protect businesses from cyber threats.

Digital Transformation Consulting

VZ Holding AG's digital transformation consulting services help businesses develop and implement digital strategies, enabling them to stay competitive in the digital age.

IT Outsourcing

VZ Holding AG's IT outsourcing services provide businesses with managed IT services, including infrastructure management, application management, and service desk support.

Data Analytics

VZ Holding AG's data analytics services help businesses gain insights from their data, enabling them to make data-driven decisions and improve operational efficiency.

8. VZ Holding AG's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for VZ Holding AG is medium due to the availability of alternative products and services in the market.

Bargaining Power Of Customers

The bargaining power of customers for VZ Holding AG is low due to the company's strong brand reputation and customer loyalty.

Bargaining Power Of Suppliers

The bargaining power of suppliers for VZ Holding AG is medium due to the presence of multiple suppliers in the market.

Threat Of New Entrants

The threat of new entrants for VZ Holding AG is high due to the low barriers to entry in the industry.

Intensity Of Rivalry

The intensity of rivalry for VZ Holding AG is high due to the presence of multiple competitors in the market.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 35.30%
Debt Cost 3.95%
Equity Weight 64.70%
Equity Cost 6.38%
WACC 5.52%
Leverage 54.56%

11. Quality Control: VZ Holding AG passed 5 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
GBL

A-Score: 6.1/10

Value: 5.8

Growth: 3.9

Quality: 3.4

Yield: 7.5

Momentum: 6.0

Volatility: 10.0

1-Year Total Return ->

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Stock-Card
VZ Holding

A-Score: 6.1/10

Value: 2.4

Growth: 6.8

Quality: 8.1

Yield: 3.1

Momentum: 7.5

Volatility: 8.7

1-Year Total Return ->

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Stock-Card
Ninety One

A-Score: 6.0/10

Value: 5.2

Growth: 2.0

Quality: 7.5

Yield: 8.8

Momentum: 6.0

Volatility: 6.7

1-Year Total Return ->

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Tikehau

A-Score: 5.7/10

Value: 4.3

Growth: 5.4

Quality: 7.1

Yield: 6.2

Momentum: 2.0

Volatility: 9.0

1-Year Total Return ->

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Greencoat UK Wind

A-Score: 5.7/10

Value: 7.3

Growth: 2.9

Quality: 4.4

Yield: 8.8

Momentum: 1.0

Volatility: 9.7

1-Year Total Return ->

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Stock-Card
Eurazeo

A-Score: 3.8/10

Value: 5.8

Growth: 0.1

Quality: 3.7

Yield: 6.2

Momentum: 1.5

Volatility: 5.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

147.2$

Current Price

147.2$

Potential

-0.00%

Expected Cash-Flows