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Profile & Fundamentals

Valiant Holding Profile & Fundamentals

Name: Valiant Holding financial chart data preview
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Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.

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Company and Market Context

Company Profile & Ownership

Valiant Holding AG, together with its subsidiaries, provides financial products and services in the areas of financing, payments, savings, investments, and retirement planning in Switzerland. The company offers savings; real estate financing; loans for working capital and other basic services for businesses; unsecured and consumer loans; payment transactions and other banking transactions through Valiant app; and retirement planning and investment solutions, as well as personal advisory services. It serves private clients, affluent clients, self-employed individuals and small companies, and medium-sized companies. The company was founded in 1824 and is based in Bern, Switzerland.

Company profile record

Valiant Holding AG

Common Stock · Financials · Regional Banks

Official website

Company

Company / asset: Valiant Holding AG
Security type: Common Stock
Sector: Financials
Industry: Regional Banks
HQ: 🇨🇭 Switzerland
Head office: Bundesplatz 4, Bern, Switzerland, 3001

Leadership & scale

Chief executive: Mr. Ewald Burgener
CEO year born: 1966
Full-time employees: 1.1K
Fiscal year end: December

Fundamentals snapshot

Updated 2026-08-12

Market Cap: CHF 2.4B
P/E: 15.3x
Revenue (Q2 26): CHF 177.5M
Profit (Q2 26): CHF 42.6M
Dividend Yield: 2.6%
Revenue (FY 25): CHF 737.1M
Shares in public float: 15.7M
Insider ownership: 0.35%

Reporting & identifiers

Symbol: VATN.SIX
Listing: 🇨🇭 Switzerland | Dividend Tax: 35%
Ticker Currency: CHF
Income Statement Currency: CHF
Balance Sheet Currency: CHF
Cash Flow Currency: CHF
EPS Currency: CHF
Contract Type: SPOT
ISIN: CH0014786500
Asset ID: equity_691fcac3-274c-5746-bf9e-d61e881c987b

Ownership

Shares Outstanding

Shares outstanding

Annual reported shares outstanding. Values in shares.

Earnings, Profitability & Valuation

Earnings & Revenue

AI Review

The financial reports show a clear split in how experts view the bank's earnings. On one hand, everyone agrees that the bank's actual revenues are shrinking, dropping by over 11% recently due to low interest rates squeezing its profit margins. However, the bank's net profit actually grew slightly. Optimistic analysts believe this shows incredible cost control and a highly stable business that can protect its earnings in tough times. On the other hand, more cautious experts warn that this profit growth is an illusion. They argue that the bank is simply cutting costs to the bone and avoiding setting aside money for bad loans to make its profits look better. In the long run, they believe shrinking revenues will eventually drag profits down, making the current high valuation unsustainable for a business that is not growing.

Revenue, Net Income, and Free Cash Flow

Revenue
Free cash flow
Net income

Annual reported financial results, converted using the statement's recorded USD conversion. Missing values are omitted. Values in USD.

Valuation

Historical P/E Ratio

Published P/E

Published valuation snapshots. Trailing four-quarter earnings where available; annual earnings otherwise. Non-positive earnings are omitted. Values in times earnings.

Profitability & Margins

AI Review

The bank boasts high profit margins, with operating margins around 26% and net margins over 20%. However, experts are divided on whether these margins can last. The consensus is that the bank's core lending margins are being squeezed because it has to pay higher interest rates to keep its depositors from leaving, while its mortgage income remains fixed. Optimistic analysts believe the bank can defend its profitability by cutting jobs and shifting toward fee-based services like wealth management. Skeptics argue that these high margins are an accounting trick created by ignoring potential bad loans and slashing essential costs. They believe that as funding costs continue to rise and digital competitors offer better rates, the bank's margins will face severe downward pressure, making its current stock price too expensive for its low growth.

Profitability Margins

Gross margin
Operating margin
Net margin
Free cash flow margin

Annual gross, operating, net income and free cash flow divided by revenue for matching reporting dates. Values in percent.

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Reported Data Tables — chart preview

The following tables contain the same values as the financial charts above. Monetary values are USD; margins are percentages. Missing inputs are not estimated. Use is subject to the iPulse AI Terms of Service and applicable source rights.

Source: eodhd. Statement snapshots with chart transformations and ratios calculated by iPulse AI. Snapshot retrieved 2026-08-13.

Annual earnings and profitability
Period end	Revenue	Free cash flow	Net income	Gross margin	Operating margin	Net margin	Free cash flow margin
2016-12-31	456,992,156.86	419,181,372.55	115,209,803.92	78.11	30.91	25.21	91.73
2017-12-31	472,169,404.52	384,835,728.95	122,382,956.88	81.2	32.92	25.92	81.5
2018-12-31	461,718,940.94	-603,254,582.48	122,533,604.89	84.79	32.08	26.54	-130.65
2019-12-31	462,309,917.36	1,876,752,066.12	125,060,950.41	87.81	33.06	27.05	405.95
2020-12-31	495,610,169.49	1,582,632,768.36	137,705,084.75	93.86	34.23	27.78	319.33
2021-12-31	479,072,368.42	1,170,744,517.54	135,005,482.46	99.13	33.59	28.18	244.38
2022-12-31	517,010,810.81	-1,293,551,351.35	140,015,135.14	100	41.15	27.08	-250.2
2023-12-31	912,243,467.93	134,771,971.5	171,324,228.03	72.33	24.03	18.78	14.77
2024-12-31	918,773,980.15	192,317,530.32	165,802,646.09	66.58	22.56	18.05	20.93
2025-12-31	929,474,148.8	66,064,312.74	195,093,316.52	77.05	25.98	20.99	7.11

Published valuation snapshots
Period end	P/E (times earnings)	Earnings basis
2025-12-31	15.41	Trailing four quarters
2024-12-31	11.09	Trailing four quarters
2023-12-31	10.44	Trailing four quarters
2022-12-31	12.19	Annual net income
2021-12-31	11.71	Annual net income

Shares outstanding — chart values
Reporting date	Shares outstanding
2017-01-01	15,792,500
2018-01-01	15,792,500
2019-01-01	15,792,500
2020-01-01	15,792,500
2021-01-01	15,792,500
2022-01-01	15,792,500
2023-01-01	15,792,500
2024-01-01	15,792,500
2025-01-01	15,792,000
2026-01-01	15,762,500

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Earnings, Profitability & Valuation
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Capital Expenditure & R&D
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Balance Sheet
- Balance sheet AI review
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Dividends & Actions
- Cash dividends paid
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- Buybacks and issuance
- Combined shareholder returns
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