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VIENNA INSURANCE GROUP AG (1VIG.MI) Stock Fundamental Analysis

BIT:1VIG - Euronext Milan - AT0000908504 - Common Stock - Currency: EUR

43.6  +43.6 (+Infinity%)

Fundamental Rating

4

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.


Dividend Valuation Growth Profitability Health

4

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.
1VIG.MI Yearly Net Income VS EBIT VS OCF VS FCF1VIG.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

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 RankSector 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%
1VIG.MI Yearly ROA, ROE, ROIC1VIG.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

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 RankSector 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
1VIG.MI Yearly Profit, Operating, Gross Margins1VIG.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8

2

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.
1VIG.MI Yearly Shares Outstanding1VIG.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
1VIG.MI Yearly Total Debt VS Total Assets1VIG.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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 RankSector Rank
Debt/Equity 0.27
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.24
WACC6.56%
1VIG.MI Yearly LT Debt VS Equity VS FCF1VIG.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1VIG.MI Yearly Current Assets VS Current Liabilites1VIG.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

5

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.
1VIG.MI Yearly Revenue VS Estimates1VIG.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B
1VIG.MI Yearly EPS VS Estimates1VIG.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

6

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 RankSector Rank
PE 8.76
Fwd PE 7.77
1VIG.MI Price Earnings VS Forward Price Earnings1VIG.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

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 RankSector Rank
P/FCF N/A
EV/EBITDA 4.34
1VIG.MI Per share data1VIG.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

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%

7

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 RankSector 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%
1VIG.MI Yearly Income VS Free CF VS Dividend1VIG.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M
1VIG.MI Dividend Payout.1VIG.MI Dividend Payout, showing the Payout Ratio.1VIG.MI Dividend Payout.PayoutRetained Earnings

VIENNA INSURANCE GROUP AG

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)05-27 2025-05-27
Earnings (Next)08-27 2025-08-27
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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%