VIG Stock Analysis: Vienna Insurance | VI
Insurance - Diversified | VI, Austria | Market Cap: 9.357m EUR | 12M Return: 76.5% | AT0000908504 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.54M
Rev. Trend: 98.9%
Warnings
Tailwinds
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Vienna Insurance Group is an Austria-based insurer operating in Austria and other markets. It offers life, health, and property and casualty coverage, as well as treaty reinsurance, through direct sales, banks, brokers, and agents.
As a multiline insurer, it serves both individual and business customers across several risk categories. Founded in 1824, the company is headquartered in Vienna and is a subsidiary of Wiener Städtische Wechselseitige Versicherungsverein.
- CEE premium growth and expansion drive earnings outlook
- Claims inflation and catastrophe losses pressure underwriting margins
- Higher investment yields support earnings and capital generation
| Net Income: 921.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.03 > 1.0 |
| NWC/Revenue: 199.1% < 20% (prev 211.8%; Δ -12.65% < -1%) |
| CFO/TA 0.01 > 3% & CFO 812.2m > Net Income 921.6m |
| Net Debt (-26.7b) to EBITDA (1.50b): -17.77 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (128.0m) vs 12m ago 0.0% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 26.44% > 50% (prev 25.14%; Δ 1.30% > 0%) |
| Interest Coverage Ratio: 17.22 > 6 (EBIT TTM 1.29b / Interest Expense TTM 75.2m) |
| A: 0.51 (Total Current Assets 28.7b - Total Current Liabilities 0.0) / Total Assets 56.7b |
| B: 0.09 (Retained Earnings 4.87b / Total Assets 56.7b) |
| C: 0.02 (EBIT TTM 1.29b / Avg Total Assets 54.5b) |
| D: 0.15 (Book Value of Equity 7.44b / Total Liabilities 49.1b) |
| Altman-Z'' = 3.92 = AA |
| DSRI: 1.60 (Receivables 1.01b/573.8m, Revenue 14.4b/13.1b) |
| GMI: 1.0 (GM 100.0% / 100.0%) |
| AQI: 1.07 (AQ_t 0.48 / AQ_t-1 0.45) |
| SGI: 1.10 (Revenue 14.4b / 13.1b) |
| TATA: 0.00 (NI 921.6m - CFO 812.2m) / TA 56.7b) |
| Beneish M = -2.42 (Cap -4..+1) = BBB |
As of November 12, 2026, the stock is trading at EUR 76.80 with a total of 88,844 shares traded. Over the past week, the price has changed by +5.64%, over one month by +17.79%, over three months by +10.66% and over the past year by +76.50%.
Current recommended Stop Loss: 72.40 (which is 5.7% or 2.1 ATR below the current price).
Vienna Insurance has no consensus analysts rating.
P/E Trailing = 6.9868
P/E Forward = 13.1926
P/S = 0.6596
P/B = 1.2579
P/EG = 1.2118
Revenue TTM = 14.4b EUR
EBIT TTM = 1.29b EUR
EBITDA TTM = 1.50b EUR
Long Term Debt = 1.70b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 2.53b EUR (from shortLongTermDebtTotal, last quarter) + Leases 247.8m
Net Debt = -26.7b EUR (calculated: Debt 2.53b - CCE 29.3b)
Enterprise Value = 9.36b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 17.22 (Ebit TTM 1.29b / Interest Expense TTM 75.2m)
EV/FCF = 16.75x (Enterprise Value 9.36b / FCF TTM 558.6m)
FCF Yield = 5.97% (FCF TTM 558.6m / Enterprise Value 9.36b)
FCF Margin = 3.88% (FCF TTM 558.6m / Revenue TTM 14.4b)
Net Margin = 6.40% (Net Income TTM 921.6m / Revenue TTM 14.4b)
Gross Margin = unknown ((Revenue TTM 14.4b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.17 (Enterprise Value 9.36b / Total Assets 56.7b)
Interest Expense / Debt = 2.98% (Interest Expense 75.2m / Debt 2.53b)
Taxrate = 25.52% (324.4m / 1.27b)
NOPAT = 964.5m (EBIT 1.29b * (1 - 25.52%))
Current Ratio = unknown (Total Current Assets 28.7b / Total Current Liabilities 0.0)
Debt / Equity = 0.34 (Debt 2.53b / totalStockholderEquity, last quarter 7.44b)
Debt / EBITDA = -17.77 (Net Debt -26.7b / EBITDA 1.50b)
Debt / FCF = -47.84 (Net Debt -26.7b / FCF TTM 558.6m)
Total Stockholder Equity = 7.30b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.69% (Net Income 921.6m / Total Assets 56.7b)
RoE = 12.62% (Net Income TTM 921.6m / Total Stockholder Equity 7.30b)
RoCE = 14.37% (EBIT 1.29b / Capital Employed (Equity 7.30b + L.T.Debt 1.70b))
RoIC = 4.72% (EBIT 1.29b / (Assets 56.7b - Curr.Liab 0.0 - Cash 29.3b))
WACC = 5.10% (E(9.36b)/V(11.9b) * Re(5.88%) + D(2.53b)/V(11.9b) * Rd(2.98%) * (1-Tc(0.26)))
Discount Rate = 5.88% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.0%
[DCF] Terminal Value 76.17% ; FCFF base≈546.4m ; Y1≈574.9m ; Y5≈668.5m
[DCF] Fair Price = 289.2 (EV 10.3b - Net Debt -26.7b = Equity 37.0b / Shares 128.0m; r=8.35% [WACC [floored]]; 5y FCF grow 5.76% → 2.50% )
Revenue Correlation: 98.91 | Revenue CAGR: 9.96% | SUE: N/A | # QB: 0
EPS current Year (2026-12-31): EPS=7.23 | Chg30d=-0.00% | Revisions=+0% | GrowthEPS=+11.9% | GrowthRev=+6.8%
EPS next Year (2027-12-31): EPS=7.94 | Chg30d=-1.16% | Revisions=+0% | GrowthEPS=+9.8% | GrowthRev=+6.2%
[Analyst] Revisions Ratio: +0% (up=0, down=0)