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 47 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.
In the past year 1VIG had a positive cash flow from operations.
In the past 5 years 1VIG has always 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
The Return On Assets of 1VIG (1.25%) is comparable to the rest of the industry.
The Return On Equity of 1VIG (10.01%) is worse than 78.72% of its industry peers.
With a decent Return On Invested Capital value of 1.60%, 1VIG is doing good in the industry, outperforming 61.70% of the companies in the same industry.
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 2.63%.
The 3 year average ROIC (1.51%) for 1VIG is below the current ROIC(1.60%), indicating increased profibility in the last year.
| 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 70.21% of its industry peers.
1VIG's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 8.66%, 1VIG is not doing good in the industry: 61.70% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of 1VIG has grown nicely.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
1VIG has a better debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.27 indicates that 1VIG is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.27, 1VIG belongs to the best of the industry, outperforming 87.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.23
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 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
1VIG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.62% yearly.
Based on estimates for the next years, 1VIG will show a small growth in Revenue. The Revenue will grow by 4.13% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
1VIG is valuated correctly with a Price/Earnings ratio of 13.43.
1VIG's Price/Earnings ratio is a bit cheaper when compared to the industry. 1VIG is cheaper than 63.83% of the companies in the same industry.
1VIG is valuated rather cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.92, the valuation of 1VIG can be described as reasonable.
Based on the Price/Forward Earnings ratio, 1VIG is valued a bit more expensive than 61.70% of the companies in the same industry.
1VIG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.43 | ||
| Fwd PE | 11.92 |
4.2 Price Multiples
1VIG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. 1VIG is cheaper than 82.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 6.66 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.23
PEG (5Y)0.96
EPS Next 2Y8.25%
EPS Next 3Y7.62%
5. Dividend
5.1 Amount
1VIG has a Yearly Dividend Yield of 4.99%, which is a nice return.
Compared to an average industry Dividend Yield of 3.90, 1VIG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, 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
31.34% 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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.34%
EPS Next 2Y8.25%
EPS Next 3Y7.62%
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 Owners8.61%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap8.56B
Revenue(TTM)12.58B
Net Income(TTM)637.61M
Analysts82.5
Price Target46.49 (-30.51%)
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 | 13.43 | ||
| Fwd PE | 11.92 | ||
| P/S | 0.68 | ||
| P/FCF | N/A | ||
| P/OCF | 24.08 | ||
| P/B | 1.34 | ||
| P/tB | 1.93 | ||
| EV/EBITDA | 6.66 |
EPS(TTM)4.98
EY7.44%
EPS(NY)5.61
Fwd EY8.39%
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)2.78
OCFY4.15%
SpS98.25
BVpS49.74
TBVpS34.61
PEG (NY)1.23
PEG (5Y)0.96
Graham Number74.66
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%
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-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
WACC6.95%
ROIC/WACC0.23
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%
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 4 / 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 13.43 and the Price/Book (PB) ratio is 1.34.
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 10.96% in the next year.