Baloise

Baloise

Insurance, investment, pension, and financing solutions

Overview

Baloise offers insurance, investment, retirement planning, and financing services for individuals and families. Its approach centers on people, using clear guidance and practical help to tailor financial solutions with close, empathetic support. It differentiates itself by prioritizing proximity, responsibility, and a holistic view that considers customers, employees, partners, and society, all within the Helvetia Baloise Group. The goal is to help customers move forward today and tomorrow by finding practical solutions and acting with optimism and accountability for the future.

About Baloise

Simplify's Rating
Why Baloise is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Company Size

5,001-10,000

Company Stage

IPO

Headquarters

Basel, Switzerland

Founded

1863

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Simplify's Take

What believers are saying

  • Helvetia Baloise targets CHF 350 million annual synergies and 16 to 18 percent ROE by 2028.
  • Management plans over CHF 2.8 billion dividends from 2026 through 2028, signaling capital strength.
  • Baloise Luxembourg’s June 2026 Turo partnership expands fee-based mobility insurance without heavy balance-sheet growth.

What critics are saying

  • Helvetia Baloise plans 2,000 to 2,600 job cuts by 2028, including 1,100 already gone.
  • Integration costs of CHF 500 million to CHF 600 million will pressure results through 2028.
  • Allianz’s FRIDAY purchase proved Baloise cannot profitably defend digital motor insurance in Germany and France.

What makes Baloise unique

  • Baloise built Helvetia Baloise’s Basel-centered platform across Switzerland, Germany, Luxembourg, and pensions.
  • Its Luxembourg unit still wins embedded insurance deals, including Turo France with Cachet on June 2026.
  • The group keeps underwriting, reinsurance, and distribution capabilities that support complex European mobility risks.

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Company News

CEE Legal Matters
Jun 9th, 2026
Gorda Surguladze joins Baloise LU as Senior International Legal Counsel.

Gorda Surguladze joins Baloise LU as Senior International Legal Counsel. * Saida Ayupova * June 9, 2026 Baloise has hired Georgian lawyer Gorda Surguladze as its Senior International Legal Counsel in Luxembourg. Prior to joining the insurance company, Surguladze spent three years at Stellantis Insurance, originally joining as the Legal Counsel in 2022. Between 2023 and 2024, he was the Acting Head of Legal, and in 2025, the Head of Legal. Earlier, he worked at ALDAGI: as a Legal Counsel between 2015 and 2018, Senior Legal Counsel between 2018 and 2019, and Head of Legal Department between 2019 and 2021. His experience includes working as a Lawyer at JSC Real Invest between 2013 and 2015, Lawyer at Marco Polo Hotel Gudauri between 2013 and 2015, Lawyer at Medi Clinic between 2013 and 2013, and Lawyer at Usufashvili and Zedalashvili Lawyers Group. Get the memo - every week. Essential in-house updates, straight to your inbox. * Saida Ayupova * June 4, 2026 Gabija Kuncyte was recently appointed to the position of the Head of Regulatory and Compliance at Finora Bank. She was also recently awarded the Compliance Specialist of the Year title by the European Compliance Professionals Association. * Saida Ayupova * June 3, 2026 Koleva has been with TBI Bank for 12+ years, originally joining as the Head of Legal Corporate - a position she held between 2012 and 2023. * Saida Ayupova * May 28, 2026 Prior to the move, she was the Europe Associate General Counsel at Holcim between 2022 and 2026 and General Counsel and Compliance - Member of the Board of Directors at HERACLES Group (a member of Holcim) between 2017 and 2026.

AD HOC NEWS
May 11th, 2026
Baloise Holding AG stock (CH0012410517): Dividend and insurance growth outlook for US investors.

Baloise Holding AG stock (CH0012410517): Dividend and insurance growth outlook for US investors. 11.05.2026 - 08:58:46 | ad-hoc-news.de Baloise Holding AG has announced its latest annual dividend and continues to expand its insurance and reinsurance footprint in Europe, drawing attention from US investors. Baloise Holding AG has announced an annual dividend of CHF 7.70 per share, payable on May 29, 2026, with an ex?date of May 27, 2026 and a record date of May 28, 2026, according to Simply Wall St as of May 11, 2026. The move underpins the group's focus on shareholder returns while it continues to integrate its broader insurance and reinsurance operations across central and southern Europe. As of: 11.05.2026 By the editorial team - specialized in equity coverage. At a glance. * Name: Baloise Holding AG * Sector/industry: Insurance * Headquarters/country: Basel?City, Switzerland * Core markets: Switzerland, Germany, Austria, Italy, Spain * Key revenue drivers: Life and non?life insurance, pensions, reinsurance, risk management services * Home exchange/listing venue: SIX Swiss Exchange (ticker: HBAN) * Trading currency: CHF Baloise Holding AG: core business model. Baloise Holding AG operates as a multi?line insurance and financial?services group, active internationally with a strong base in Switzerland and neighboring European markets. The company provides life and non?life insurance, private pension solutions, and reinsurance services, as well as risk?management and asset?management offerings, according to Baloise investor relations as of May 11, 2026. Its business model combines underwriting income with investment returns on its insurance?linked assets, aiming for stable, long?term profitability. The group's operations are organized around several core lines: life insurance (including investment?linked, group life, and traditional individual policies), non?life insurance (covering property, motor, health/accident, liability, engineering, and transport), and reinsurance activities that support both internal and external partners. In addition, Baloise offers pension?related products and services, including occupational and private pension plans, which benefit from Switzerland's well?developed pension infrastructure and regulatory framework. Main revenue and product drivers for Baloise Holding AG. Life and non?life insurance premiums form the primary revenue stream for Baloise Holding AG, with additional contributions from reinsurance and pension?related fees. The company targets a diversified portfolio of risks across geographies and product lines, which helps mitigate concentration in any single market or line of business, according to Zonebourse as of May 11, 2026. Key product segments include motor, property, health/accident, liability, engineering, and transport insurance, as well as marine, aviation, and art?related coverage. Reinsurance and specialty?risk solutions represent another important growth lever, particularly in niche areas such as marine, aviation, and art insurance, where Baloise can leverage its technical expertise and risk?pooling capabilities. The group also emphasizes digital distribution and partnerships with brokers and other intermediaries, which broadens its reach without requiring large?scale branch networks. Over the medium term, management has signaled a focus on improving underwriting discipline, optimizing capital allocation, and selectively expanding in higher?growth European markets. Why Baloise Holding AG matters for US investors. For US investors, Baloise Holding AG offers exposure to a diversified European insurance group with a stable dividend profile and a presence in several large, mature insurance markets. The company's listing on the SIX Swiss Exchange and its CHF?denominated shares provide a way to gain indirect exposure to Swiss and broader European economic conditions, including interest?rate trends and regulatory developments in the insurance sector, according to Google Finance as of May 11, 2026. US?based investors may also view Baloise as a potential diversification tool within a global insurance or financial?services allocation, given its relatively low correlation with many US?listed insurers and its focus on European retail and commercial customers. However, currency risk (CHF vs. USD), local regulatory changes, and macroeconomic conditions in key markets such as Germany and Italy remain important considerations when assessing the stock's role in a portfolio. Additional news and developments on the stock can be explored via the linked overview pages. Conclusion. Baloise Holding AG combines a broad insurance and reinsurance platform with a long?standing presence in Switzerland and other European markets, supported by a dividend?paying track record and a focus on disciplined underwriting. The announced annual dividend of CHF 7.70 per share highlights management's commitment to returning capital to shareholders, even as the group continues to integrate and optimize its operations. For US investors, the stock offers a way to access European insurance fundamentals and Swiss?market dynamics, but it also carries currency, regulatory, and macroeconomic risks that should be weighed carefully. As with any equity investment, potential investors should consider their risk tolerance, time horizon, and portfolio diversification needs before making decisions. Disclaimer: This article does not constitute investment advice. Stocks are volatile financial instruments. Baloise Fonds stock: new analysis - 15 may. Fresh Baloise Fonds information released. What's the impact for investors? Our latest independent report examines recent figures and market trends. Seit 2005 liefert der Börsenbrief trading-notes verlässliche Anlage-Empfehlungen - dreimal pro Woche, direkt ins Postfach. 100% kostenlos. 100% Expertenwissen. Trage einfach deine E-Mail Adresse ein und verpasse ab heute keine Top-Chance mehr. Jetzt abonnieren. Für. Immer. Kostenlos. en | CH0012410517 | BALOISE | boerse | 69302921 | bgmi

Cachet
Apr 16th, 2026
Cachet and Baloise LU partner to enable Turo's growth in France.

Cachet and Baloise LU partner to enable Turo's growth in France. Cachet enters the French market alongside Baloise LU, delivering adaptive insurance infrastructure for Turo as the peer-to-peer car-sharing leader accelerates growth across its French operation Cachet, the leading InsurTech for new mobility, has partnered with Baloise LU to deliver adaptive insurance for Turo's peer-to-peer car-sharing platform in France. Equipping the market's leading operator with a new risk infrastructure as it scales. A new step in Cachet expansion in Europe. The partnership marks Cachet's entry into the French market - one of Europe's largest shared mobility economies, valued at approximately €4.2 billion and growing at over 13% annually. France becomes Cachet's 11th European market to date. For Baloise LU, the partnership reinforces its ambition to support innovative business models across the EU, while contributing to the evolution of the insurance landscape in shared mobility. Backing Turo with underwriting capacity and risk expertise as the platform accelerates its next phase of growth. Hedi Mardisoo, CEO and co-founder of Cachet, said: "Partnering with Turo in France, with the backing of Baloise LU, is a defining moment for Cachet. France is one of Europe's most important shared mobility markets, and entering it as our 11th territory shows the momentum behind adaptive insurance. Our technology doesn't just price risk, it actively controls it, giving platforms like Turo the infrastructure to prevent loss." A key partnership to enable Turo's growth in France. Cachet's platform delivers insurance that adapts in real time to usage patterns - combining flexible, trip-level coverage with integrated risk management and loss prevention tools. Paired with Baloise's underwriting strength and carrier-grade capacity, the partnership gives Turo a fully embedded insurance infrastructure built specifically for peer-to-peer car sharing at scale. Antoine lacharmoise, managing director France at Turo, said: "Insurance is foundational to the trust that makes peer-to-peer car sharing work. As our business in France accelerates, the adaptive model we've built with Cachet and Baloise LU gives us coverage that evolves with our volume - improving safety outcomes and enabling us to scale with confidence." David destappes, chief operating and commercial officer and member of the executive committee at Baloise luxembourg, said: "Turo's growth in France represents exactly the kind of platform-scale opportunity where our underwriting capabilities and Cachet's technology create the most value. This partnership extends our commitment to enabling the next generation of mobility and we see a significant runway ahead together with Cachet as shared mobility rapidly expands across Europe." About Cachet. Cachet is an InsurTech company that designs better insurance for people and companies in the European platform economy. Their technology manages and embeds insurance, aggregates gig work and asset usage data, providing vastly improved insurance cover to both users and platforms. Now active in 11 European markets, Cachet serves leading platform operators across car sharing, micromobility, and gig work. Founded in 2018 by Hedi Mardisoo and Kalle Palling, the company is licensed to operate across Europe. Want to Know More? Share the news

watson
Apr 15th, 2026
Helvetia Baloise to cut up to 2,600 jobs - 1,100 employees have already been laid off.

Helvetia Baloise to cut up to 2,600 jobs - 1,100 employees have already been laid off. 15.04.2026, 07:47 15.04.2026, 07:47 The insurance conglomerate Helvetia Baloise, merged since December, aims to compete in the market with size and efficiency and has presented initial annual figures on a pro forma basis. The newly formed insurance group has now set business goals for the coming years and confirms the significant job cuts. According to the figures presented on Wednesday for the combined group, the group's business volume in 2025 was CHF 19.8 billion. The underlying profit from the business amounted to CHF 1.03 billion. This results in an underlying return on equity of 15.4 percent, as further stated. For shareholders, the newly composed board of directors under the leadership of Thomas von Planta proposes a dividend of CHF 7.70 per share. Job reductions. Details on how the newly formed insurance giant intends to move forward will be presented by the management around CEO Fabian Rupprecht on Wednesday afternoon at an investor meeting in London. Among other things, profitability is to be clearly increased. By 2028, the group aims for a return on equity in the range of 16 to 18 percent. The basis for this is savings from the merger (synergies) of around CHF 350 million. By the end of 2025, CHF 139 million of these had already been implemented. A large part of the efficiency improvements are to be achieved through job cuts. As already announced, 2,000 to 2,600 positions out of a total of around 22,000 are likely to be cut. As of today, over 1,100 full-time positions have already been eliminated, it was said. High payout. From the start of the merger plans, Helvetia Baloise promised shareholders a clear increase in dividend capacity. Between 2026 and 2028, more than CHF 2.8 billion is to be distributed. And in 2029, the dividend is expected to be more than 50 percent above the 2025 level. Helvetia and Baloise merged into Helvetia Baloise in early December 2025. In effect, the smaller Baloise was absorbed into Helvetia. The headquarters of the new holding company is in Basel. The group is led by former Helvetia CEO Fabian Rupprecht as CEO and Baloise President Thomas von Planta as chairman of the board of directors. (awp/sda) You might also be interested in:

Baloise
Apr 28th, 2025
Ad hoc announcement pursuant to Art. 53 LR <br>Patria Genossenschaft acquires Baloise shares from Cevian Capital

The acquisition is unconditional. The parties have agreed not to disclose the purchase price. 

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