VIENNA INSURANCE GROUP AG (1VIG.MI) Stock Fundamental Analysis
BIT:1VIG - Euronext Milan - AT0000908504 - Common Stock - Currency: EUR
Taking everything into account, 1VIG scores 4 out of 10 in our fundamental rating. 1VIG was compared to 36 industry peers in the Insurance industry. 1VIG has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1VIG has a decent growth rate and is not valued too expensively. Finally 1VIG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year 1VIG was profitable.
1VIG had a positive operating cash flow in the past year.
1VIG had positive earnings in each of the past 5 years.
In multiple years 1VIG reported negative operating cash flow during the last 5 years.
1.2 Ratios
1VIG's Return On Assets of 1.25% is fine compared to the rest of the industry. 1VIG outperforms 64.10% of its industry peers.
1VIG's Return On Equity of 10.01% is on the low side compared to the rest of the industry. 1VIG is outperformed by 69.23% of its industry peers.
1VIG's Return On Invested Capital of 1.60% is fine compared to the rest of the industry. 1VIG outperforms 69.23% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 1VIG is in line with the industry average of 2.20%.
The last Return On Invested Capital (1.60%) for 1VIG is above the 3 year average (1.51%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 10.01% | ||
| ROIC | 1.6% |
ROA(3y)1.12%
ROA(5y)0.91%
ROE(3y)9.29%
ROE(5y)7.84%
ROIC(3y)1.51%
ROIC(5y)1.25%
1.3 Margins
The Profit Margin of 1VIG (5.07%) is worse than 71.79% of its industry peers.
In the last couple of years the Profit Margin of 1VIG has grown nicely.
Looking at the Operating Margin, with a value of 8.66%, 1VIG is doing worse than 66.67% of the companies in the same industry.
1VIG's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.66% | ||
| PM (TTM) | 5.07% | ||
| GM | N/A |
OM growth 3Y12.93%
OM growth 5Y6.99%
PM growth 3Y12.74%
PM growth 5Y10.29%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1VIG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for 1VIG remains at a similar level compared to 1 year ago.
Compared to 5 years ago, 1VIG has about the same amount of shares outstanding.
Compared to 1 year ago, 1VIG has an improved debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 0.27 indicates that 1VIG is not too dependend on debt financing.
The Debt to Equity ratio of 1VIG (0.27) is better than 82.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.24
WACC6.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1VIG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.63%, which is quite good.
1VIG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.99% yearly.
1VIG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.41%.
Measured over the past years, 1VIG shows a small growth in Revenue. The Revenue has been growing by 3.35% on average per year.
EPS 1Y (TTM)15.63%
EPS 3Y19.21%
EPS 5Y13.99%
EPS Q2Q%36.17%
Revenue 1Y (TTM)13.41%
Revenue growth 3Y5.74%
Revenue growth 5Y3.35%
Sales Q2Q%21.82%
3.2 Future
Based on estimates for the next years, 1VIG will show a small growth in Earnings Per Share. The EPS will grow by 7.62% on average per year.
The Revenue is expected to grow by 4.13% on average over the next years.
EPS Next Y10.96%
EPS Next 2Y8.25%
EPS Next 3Y7.62%
EPS Next 5YN/A
Revenue Next Year6.67%
Revenue Next 2Y6.09%
Revenue Next 3Y4.13%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.76, the valuation of 1VIG can be described as very reasonable.
94.87% of the companies in the same industry are more expensive than 1VIG, based on the Price/Earnings ratio.
1VIG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.04.
Based on the Price/Forward Earnings ratio of 7.77, the valuation of 1VIG can be described as very cheap.
Based on the Price/Forward Earnings ratio, 1VIG is valued cheaply inside the industry as 94.87% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 37.64, 1VIG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.76 | ||
| Fwd PE | 7.77 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, 1VIG is valued cheaper than 97.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.34 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.8
PEG (5Y)0.63
EPS Next 2Y8.25%
EPS Next 3Y7.62%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.99%, 1VIG is a good candidate for dividend investing.
1VIG's Dividend Yield is a higher than the industry average which is at 4.51.
Compared to an average S&P500 Dividend Yield of 2.35, 1VIG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
5.2 History
On average, the dividend of 1VIG grows each year by 9.32%, which is quite nice.
Dividend Growth(5Y)9.32%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
1VIG pays out 31.34% of its income as dividend. This is a sustainable payout ratio.
1VIG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.34%
EPS Next 2Y8.25%
EPS Next 3Y7.62%
BIT:1VIG (7/10/2025, 7:00:00 PM)
43.6
+43.6 (+Infinity%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners8.61%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.58B
Analysts82.5
Price Target46.49 (6.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
Yearly Dividend1.56
Dividend Growth(5Y)9.32%
DP31.34%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.76 | ||
| Fwd PE | 7.77 | ||
| P/S | 0.44 | ||
| P/FCF | N/A | ||
| P/OCF | 15.7 | ||
| P/B | 0.88 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | 4.34 |
EPS(TTM)4.98
EY11.42%
EPS(NY)5.61
Fwd EY12.88%
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)2.78
OCFY6.37%
SpS98.25
BVpS49.74
TBVpS34.61
PEG (NY)0.8
PEG (5Y)0.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.25% | ||
| ROE | 10.01% | ||
| ROCE | 2.13% | ||
| ROIC | 1.6% | ||
| ROICexc | 1.66% | ||
| ROICexgc | 1.82% | ||
| OM | 8.66% | ||
| PM (TTM) | 5.07% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)1.12%
ROA(5y)0.91%
ROE(3y)9.29%
ROE(5y)7.84%
ROIC(3y)1.51%
ROIC(5y)1.25%
ROICexc(3y)1.57%
ROICexc(5y)1.3%
ROICexgc(3y)1.72%
ROICexgc(5y)1.51%
ROCE(3y)2.01%
ROCE(5y)1.67%
ROICexcg growth 3Y11.05%
ROICexcg growth 5Y5.75%
ROICexc growth 3Y18.74%
ROICexc growth 5Y10.12%
OM growth 3Y12.93%
OM growth 5Y6.99%
PM growth 3Y12.74%
PM growth 5Y10.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.25
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 1.35 | ||
| Cap/Depr | 186.87% | ||
| Cap/Sales | 2.89% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 27.7% | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC6.56%
ROIC/WACC0.24
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.52%
Cap/Sales(5y)3.46%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.63%
EPS 3Y19.21%
EPS 5Y13.99%
EPS Q2Q%36.17%
EPS Next Y10.96%
EPS Next 2Y8.25%
EPS Next 3Y7.62%
EPS Next 5YN/A
Revenue 1Y (TTM)13.41%
Revenue growth 3Y5.74%
Revenue growth 5Y3.35%
Sales Q2Q%21.82%
Revenue Next Year6.67%
Revenue Next 2Y6.09%
Revenue Next 3Y4.13%
Revenue Next 5YN/A
EBIT growth 1Y5.69%
EBIT growth 3Y19.41%
EBIT growth 5Y10.58%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y98.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y372.08%
OCF growth 3Y-12.46%
OCF growth 5Y-21.87%