VIENNA INSURANCE GROUP AG (1VIG.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1VIG - AT0000908504 - Common Stock
66.9 EUR
-2.9 (-4.15%)
Overall 1VIG gets a fundamental rating of 4 out of 10. We evaluated 1VIG against 49 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. 1VIG also has an excellent dividend rating.
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.
Each year in the past 5 years 1VIG has been profitable.
The reported operating cash flow has been mixed in the past 5 years: 1VIG reported negative operating cash flow in multiple years.
1.2 Ratios
1VIG has a Return On Assets (1.29%) which is comparable to the rest of the industry.
1VIG has a worse Return On Equity (10.17%) than 79.59% of its industry peers.
The Return On Invested Capital of 1VIG (1.75%) is better than 67.35% of its industry peers.
1VIG had an Average Return On Invested Capital over the past 3 years of 1.51%. This is in line with the industry average of 2.69%.
The 3 year average ROIC (1.51%) for 1VIG is below the current ROIC(1.75%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
Looking at the Profit Margin, with a value of 5.07%, 1VIG is doing worse than 75.51% of the companies in the same industry.
In the last couple of years the Profit Margin of 1VIG has grown nicely.
1VIG's Operating Margin of 9.15% is on the low side compared to the rest of the industry. 1VIG is outperformed by 61.22% of its industry peers.
In the last couple of years the Operating Margin of 1VIG has grown nicely.
| Industry Rank | Sector 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
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.
Compared to 1 year ago, 1VIG has about the same amount of shares outstanding.
The number of shares outstanding for 1VIG remains at a similar level compared to 5 years ago.
Compared to 1 year ago, 1VIG has an improved debt to assets ratio.
2.2 Solvency
1VIG has a debt to FCF ratio of 4.06. This is a neutral value as 1VIG would need 4.06 years to pay back of all of its debts.
With a Debt to FCF ratio value of 4.06, 1VIG is not doing good in the industry: 65.31% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.25 indicates that 1VIG is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.25, 1VIG belongs to the top of the industry, outperforming 87.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 4.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.25
WACC6.95%
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 20.20%, which is quite impressive.
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.
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)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 16.60% on average over the next years. This is quite good.
Based on estimates for the next years, 1VIG will show a small growth in Revenue. The Revenue will grow by 4.12% on average per year.
EPS Next Y28.95%
EPS Next 2Y20.29%
EPS Next 3Y16.6%
EPS Next 5YN/A
Revenue Next Year-0.3%
Revenue Next 2Y3.1%
Revenue Next 3Y4.12%
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 stable.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.72, 1VIG is valued correctly.
1VIG's Price/Earnings ratio is a bit cheaper when compared to the industry. 1VIG is cheaper than 69.39% 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 27.17.
The Price/Forward Earnings ratio is 9.14, which indicates a very decent valuation of 1VIG.
Based on the Price/Forward Earnings ratio, 1VIG is valued cheaply inside the industry as 83.67% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.79. 1VIG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 9.14 |
4.2 Price Multiples
1VIG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. 1VIG is cheaper than 85.71% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1VIG indicates a slightly more expensive valuation: 1VIG is more expensive than 67.35% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.04 | ||
| EV/EBITDA | 6.08 |
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.
A more expensive valuation may be justified as 1VIG's earnings are expected to grow with 16.60% in the coming years.
PEG (NY)0.44
PEG (5Y)0.91
EPS Next 2Y20.29%
EPS Next 3Y16.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.99%, 1VIG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.08, 1VIG pays a bit more dividend than its industry peers.
1VIG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| 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
33.03% of the earnings are spent on dividend by 1VIG. This is a low number and sustainable payout ratio.
1VIG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.03%
EPS Next 2Y20.29%
EPS Next 3Y16.6%
BIT:1VIG (12/30/2025, 7:00:00 PM)
66.9
-2.9 (-4.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners9.18%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap8.56B
Revenue(TTM)13.26B
Net Income(TTM)672.67M
Analysts82.5
Price Target53.71 (-19.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 9.14 | ||
| P/S | 0.65 | ||
| P/FCF | 21.04 | ||
| P/OCF | 11.16 | ||
| P/B | 1.3 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | 6.08 |
EPS(TTM)5.26
EY7.86%
EPS(NY)7.32
Fwd EY10.94%
FCF(TTM)3.18
FCFY4.75%
OCF(TTM)5.99
OCFY8.96%
SpS103.61
BVpS51.66
TBVpS36.95
PEG (NY)0.44
PEG (5Y)0.91
Graham Number78.19
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC6.95%
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 5YN/A
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 12.72 and the Price/Book (PB) ratio is 1.3.
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.