Vaudoise Assurances Holding SA (VAHN.SW) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Vaudoise Assurances Holding SA under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. VAHN.SW files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_insurance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 6.78% | 30.00% | Pass |
| Interest-bearing investments | 17.79% | 30.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 1.65% | 33.33% | Pass |
| Cash + interest-bearing securities | 4.32% | 33.33% | Pass |
| Accounts receivable | 4.61% | 33.33% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 1.65% | 33.33% | Pass |
| Cash + interest-bearing securities | 4.32% | 33.33% | Pass |
| Accounts receivable | 4.61% | 50.00% | Pass |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 8.23% | 33.00% | Pass |
| Cash + interest-bearing securities | 21.60% | 33.00% | Pass |
| Accounts receivable | 1.43% | 33.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 9.34% | 33.00% | Pass |
| Cash + interest-bearing securities | 24.51% | 49.00% | Pass |
| Accounts receivable | 1.62% | 49.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 9.34% | 33.33% | Pass |
| Cash + interest-bearing securities | 24.51% | 33.33% | Pass |
| Accounts receivable | 26.13% | 49.00% | Pass |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 35.60 | NEUTRAL |
| Stochastic %K (14) | 13.33 | BUY |
| CCI (20) | -170.71 | BUY |
| Williams %R (14) | -86.67 | BUY |
| MACD (12,26,9) | -1.45 | SELL |
| ROC (10) | -3.24 | SELL |
| Momentum (10) | -25.00 | SELL |
| EMA (10) | 756.92 | SELL |
| SMA (10) | 760.10 | SELL |
| EMA (20) | 764.81 | SELL |
| SMA (20) | 764.00 | SELL |
| EMA (30) | 770.56 | SELL |
| SMA (30) | 772.80 | SELL |
| EMA (50) | 776.59 | SELL |
| SMA (50) | 787.50 | SELL |
| EMA (100) | 772.85 | SELL |
| SMA (100) | 786.19 | SELL |
| EMA (200) | 735.34 | BUY |
| SMA (200) | 749.06 | SELL |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Insurance - Diversified
Vaudoise Assurances Holding SA provides insurance products and services primarily in Switzerland. The company offers mobility insurance products, including car, motorcycle and scooter, classic car, motorhome, boat, and e-bike insurance, as well as legal protection for traffic; household and private liability, private building, construction, golf, valuable item, and pet insurance, as well as private legal protection insurance products; and computer assistance and troubleshooting, breakdown and home assistance, repatriation and medical care, and travel and cancellation insurance products. It also provides loss of earning due to illness, occupational pension plan, and accident insurance products; property protection solutions, such as business inventory, technical equipment, construction, commercial vehicle, and building insurance products; and corporate civil liability, corporate legal protection, and transport insurance products, as well as business assistance and services; and pensions and mortgage loans. The company sells its products through a network of agencies. The company was founded in 1895 and is headquartered in Lausanne, Switzerland. Vaudoise Assurances Holding SA operates as a subsidiary of Mutuelle Vaudoise, Société Coopérative.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.