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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

Overall 1VIG gets a fundamental rating of 4 out of 10. We evaluated 1VIG against 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 correct valuation and a medium growth rate. 1VIG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

1VIG had positive earnings in the past year.
In the past year 1VIG had a positive cash flow from operations.
1VIG had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: 1VIG reported negative operating cash flow in multiple 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 has a Return On Assets of 1.25%. This is in the better half of the industry: 1VIG outperforms 64.10% of its industry peers.
1VIG has a Return On Equity of 10.01%. This is in the lower half of the industry: 1VIG underperforms 69.23% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.60%, 1VIG is in the better half of the industry, outperforming 69.23% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital 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

1VIG has a worse Profit Margin (5.07%) than 71.79% of its industry peers.
1VIG's Profit Margin has improved in the last couple of years.
1VIG's Operating Margin of 8.66% is on the low side compared to the rest of the industry. 1VIG is outperformed by 66.67% of its industry peers.
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

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2

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1VIG is destroying value.
1VIG has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1VIG has about the same amount of shares outstanding.
The debt/assets ratio for 1VIG has been reduced compared to a year ago.
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.
1VIG has a Debt to Equity ratio of 0.27. This is amongst the best in the industry. 1VIG outperforms 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

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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.
The Earnings Per Share has been growing by 13.99% on average over the past years. This is quite good.
Looking at the last year, 1VIG shows a quite strong growth in Revenue. The Revenue has grown by 13.41% in the last year.
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.
1VIG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.13% yearly.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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

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6

4. Valuation

4.1 Price/Earnings Ratio

1VIG is valuated reasonably with a Price/Earnings ratio of 8.76.
1VIG's Price/Earnings ratio is rather cheap when compared to the industry. 1VIG is cheaper than 94.87% of the companies in the same industry.
1VIG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.53.
The Price/Forward Earnings ratio is 7.77, which indicates a rather cheap valuation of 1VIG.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1VIG indicates a rather cheap valuation: 1VIG is cheaper than 94.87% of the companies listed in the same industry.
1VIG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.71.
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

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, 1VIG is valued cheaply inside the industry as 97.44% of the companies are valued more expensively.
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%

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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 2.34, 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.
The dividend of 1VIG is growing, but the earnings are growing slower. 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

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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%