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

Europe • Euronext Milan • BIT:1VIG • AT0000908504

68.1 EUR
+1.2 (+1.79%)
Last: Jan 27, 2026, 07:00 PM
Fundamental Rating

4

Overall 1VIG gets a fundamental rating of 4 out of 10. We evaluated 1VIG against 47 industry peers in the Insurance industry. While 1VIG is still in line with the averages on profitability rating, there are concerns on its financial health. 1VIG has a correct valuation and a medium growth rate. 1VIG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • 1VIG had positive earnings in the past year.
  • 1VIG had a positive operating cash flow in the past year.
  • Each year in the past 5 years 1VIG has been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

  • 1VIG's Return On Assets of 1.29% is in line compared to the rest of the industry. 1VIG outperforms 55.32% of its industry peers.
  • 1VIG has a Return On Equity of 10.17%. This is in the lower half of the industry: 1VIG underperforms 76.60% of its industry peers.
  • 1VIG's Return On Invested Capital of 1.75% is fine compared to the rest of the industry. 1VIG outperforms 63.83% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for 1VIG is in line with the industry average of 2.92%.
  • The 3 year average ROIC (1.51%) for 1VIG is below the current ROIC(1.75%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.29%
ROE 10.17%
ROIC 1.75%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • 1VIG has a worse Profit Margin (5.07%) than 70.21% of its industry peers.
  • In the last couple of years the Profit Margin of 1VIG has grown nicely.
  • 1VIG has a Operating Margin of 9.15%. This is comparable to the rest of the industry: 1VIG outperforms 42.55% of its industry peers.
  • 1VIG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 9.15%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1VIG is destroying value.
  • The number of shares outstanding for 1VIG remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for 1VIG remains at a similar level compared to 5 years ago.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

  • The Debt to FCF ratio of 1VIG is 4.06, which is a neutral value as it means it would take 1VIG, 4.06 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 4.06, 1VIG is not doing good in the industry: 68.09% of the companies in the same industry are doing better.
  • 1VIG has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.25, 1VIG belongs to the best of the industry, outperforming 85.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 4.06
Altman-Z N/A
ROIC/WACC0.25
WACC7.06%
1VIG.MI Yearly LT Debt VS Equity VS FCF1VIG.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.20% over the past year.
  • Measured over the past years, 1VIG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.99% on average per year.
  • Looking at the last year, 1VIG shows a quite strong growth in Revenue. The Revenue has grown by 16.52% in the last year.
  • 1VIG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.35% yearly.
EPS 1Y (TTM)20.2%
EPS 3Y19.21%
EPS 5Y13.99%
EPS Q2Q%10.19%
Revenue 1Y (TTM)16.52%
Revenue growth 3Y5.74%
Revenue growth 5Y3.35%
Sales Q2Q%11.61%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.29% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 4.12% on average over the next years.
EPS Next Y28.95%
EPS Next 2Y20.29%
EPS Next 3Y16.6%
EPS Next 5Y13.29%
Revenue Next Year-0.3%
Revenue Next 2Y3.1%
Revenue Next 3Y4.12%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
1VIG.MI Yearly Revenue VS Estimates1VIG.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2029 2030 2 4 6 8 10

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.95, the valuation of 1VIG can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1VIG indicates a somewhat cheap valuation: 1VIG is cheaper than 61.70% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.25, 1VIG is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.30, the valuation of 1VIG can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, 1VIG is valued a bit cheaper than the industry average as 78.72% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.50. 1VIG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.95
Fwd PE 9.3
1VIG.MI Price Earnings VS Forward Price Earnings1VIG.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, 1VIG is valued cheaper than 82.98% of the companies in the same industry.
  • 70.21% of the companies in the same industry are cheaper than 1VIG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 21.42
EV/EBITDA 6.19
1VIG.MI Per share data1VIG.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • 1VIG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as 1VIG's earnings are expected to grow with 16.60% in the coming years.
PEG (NY)0.45
PEG (5Y)0.93
EPS Next 2Y20.29%
EPS Next 3Y16.6%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • 1VIG has a Yearly Dividend Yield of 4.99%, which is a nice return.
  • 1VIG's Dividend Yield is a higher than the industry average which is at 4.09.
  • 1VIG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.99%

5.2 History

  • The dividend of 1VIG is nicely growing with an annual growth rate of 9.32%!
Dividend Growth(5Y)9.32%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 33.03% of the earnings are spent on dividend by 1VIG. This is a low number and sustainable payout ratio.
  • The dividend of 1VIG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.03%
EPS Next 2Y20.29%
EPS Next 3Y16.6%
1VIG.MI Yearly Income VS Free CF VS Dividend1VIG.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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 (1/27/2026, 7:00:00 PM)

68.1

+1.2 (+1.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-25
Earnings (Next)03-12
Inst Owners9.18%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap8.72B
Revenue(TTM)13.26B
Net Income(TTM)672.67M
Analysts82.5
Price Target53.71 (-21.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.99%
Yearly Dividend1.56
Dividend Growth(5Y)9.32%
DP33.03%
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)15.53%
PT rev (3m)15.53%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)16.21%
EPS NY rev (3m)16.21%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-6.53%
Revenue NY rev (3m)-6.53%
Valuation
Industry RankSector Rank
PE 12.95
Fwd PE 9.3
P/S 0.66
P/FCF 21.42
P/OCF 11.36
P/B 1.32
P/tB 1.84
EV/EBITDA 6.19
EPS(TTM)5.26
EY7.72%
EPS(NY)7.32
Fwd EY10.75%
FCF(TTM)3.18
FCFY4.67%
OCF(TTM)5.99
OCFY8.8%
SpS103.61
BVpS51.66
TBVpS36.95
PEG (NY)0.45
PEG (5Y)0.93
Graham Number78.19
Profitability
Industry RankSector Rank
ROA 1.29%
ROE 10.17%
ROCE 2.34%
ROIC 1.75%
ROICexc 1.81%
ROICexgc 1.97%
OM 9.15%
PM (TTM) 5.07%
GM N/A
FCFM 3.07%
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%
ROICexgc growth 3Y11.05%
ROICexgc 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-Score8
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 4.06
Debt/EBITDA 1.17
Cap/Depr 185.23%
Cap/Sales 2.72%
Interest Coverage 250
Cash Conversion 54.48%
Profit Quality 60.5%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC7.06%
ROIC/WACC0.25
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)20.2%
EPS 3Y19.21%
EPS 5Y13.99%
EPS Q2Q%10.19%
EPS Next Y28.95%
EPS Next 2Y20.29%
EPS Next 3Y16.6%
EPS Next 5Y13.29%
Revenue 1Y (TTM)16.52%
Revenue growth 3Y5.74%
Revenue growth 5Y3.35%
Sales Q2Q%11.61%
Revenue Next Year-0.3%
Revenue Next 2Y3.1%
Revenue Next 3Y4.12%
Revenue Next 5YN/A
EBIT growth 1Y19.03%
EBIT growth 3Y19.41%
EBIT growth 5Y10.58%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y138.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y220.92%
OCF growth 3Y-12.46%
OCF growth 5Y-21.87%

VIENNA INSURANCE GROUP AG / 1VIG.MI FAQ

Can you provide the ChartMill fundamental rating for VIENNA INSURANCE GROUP AG?

ChartMill assigns a fundamental rating of 4 / 10 to 1VIG.MI.


What is the valuation status of VIENNA INSURANCE GROUP AG (1VIG.MI) stock?

ChartMill assigns a valuation rating of 6 / 10 to VIENNA INSURANCE GROUP AG (1VIG.MI). This can be considered as Fairly Valued.


How profitable is VIENNA INSURANCE GROUP AG (1VIG.MI) stock?

VIENNA INSURANCE GROUP AG (1VIG.MI) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for 1VIG stock?

The Price/Earnings (PE) ratio for VIENNA INSURANCE GROUP AG (1VIG.MI) is 12.95 and the Price/Book (PB) ratio is 1.32.


What is the earnings growth outlook for VIENNA INSURANCE GROUP AG?

The Earnings per Share (EPS) of VIENNA INSURANCE GROUP AG (1VIG.MI) is expected to grow by 28.95% in the next year.