Vienna Insurance Group AG

Vienna Insurance Group AG

VIG.VI
Vienna Insurance Group AGAT flagVienna Stock Exchange
67.10
EUR
+0.10
- -
8.59BMarket Cap
Vienna Insurance Group AG
VIG.VI
(Vienna Stock Exchange)

Recent

price

67.10

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
71.71
75.64
83.05
78.57
76.89
74.1
74.51
78.12
79.69
84.28
81.01
83.15
70.09
91
101
- -
79.45
Revenue per Share
3.23
3.18
3.32
1.83
2.87
-0.16
2.25
2.32
2.1
2.59
1.81
2.94
3.69
4.37
4.89
- -
2.1
Basic EPS, GAAP
13.64
8.25
11.07
8.03
9.23
7.38
6.16
7.26
4.28
5.79
0.31
0.67
-6.31
-4.23
-0.14
- -
3.54
Free Cash Flow per Basic Share
1.25
1.39
1.5
1.59
1.61
1.6
0.78
1.02
1.09
1.11
1.21
0.87
1.52
1.45
1.56
- -
1.09
Dividend per Share
14.5
16.37
18.52
18.1
16.22
14.46
16.11
17.51
18.58
20
20.45
43.09
45.41
47.81
50.94
- -
18.58
Book Value per Share
22.86
20.84
25.61
20.7
18.96
18.95
28.57
31.82
30.27
25.4
27.76
27.96
28.82
32.32
36.11
- -
30.27
Tangible Book Value per Share
128
128
128
128
128
128
128
128
128
128
128
128
128
128
128
- -
128
Basic Weighted Avg Shares
9,179
9,681
10,630
10,057
9,842
9,485
9,537
9,999
10,201
10,788
10,370
10,644
8,971
11,649
12,928
14,781
10,170
Sales/Revenue/Turnover
8.33
- -
5.53
3.53
5.27
1.81
4.26
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
135
357
204
157
186
136
151
203
174
132
72
73
89
166
195
209
- -
Depreciation Expense
413
407
426
234
367
-21
288
298
269
331
232
376
472
559
626
835
269
Net Income, GAAP
18.62
20.95
21.08
27.83
24.5
131.38
21.08
15.81
24.2
20.8
29.84
24.12
20.78
25.42
26.57
26.09
24.2
Effective Tax Rate (%)
4.5
4.2
4
2.33
3.73
-0.22
3.02
2.98
2.64
3.07
2.23
3.53
5.26
4.8
4.84
5.65
2.64
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
539
1,960
1,548
1,786
920
1,566
2,570
2,660
2,689
1,879
1,979
1,993
2,316
1,815
1,734
1,838
2,689
LT Debt
5,030
5,050
5,689
4,967
4,796
4,414
5,711
6,044
5,836
5,191
5,286
5,308
5,714
6,099
6,559
7,331
5,836
Total Equity
11.1
- -
5.88
3.14
5.49
-0.81
3.79
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
17.06
13.07
9.92
5.01
9.38
-1.42
6.11
4.55
3.84
6.26
6.19
7.15
6.96
7.48
8.08
9.97
2.49
Return on Capital (%)
23.83
20.59
19.06
10
16.7
-1.05
14.71
13.83
11.64
13.42
8.94
9.24
8.34
9.37
9.91
12.22
11.64
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Jun'18
Sep'18
Dec'18
ST Debt
1,142
1,137
- -
LT Borrowings
2,601
2,596
2,689
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
128
128
128
Market Capitalization
2,990
3,146
2,596

Working Capital

FRC

in mil. unless spec.
Jun'18
Sep'18
Dec'18
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,204
977
1,347
Accounts Receivable, Net
1,666
1,544
1,563
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
1,142
1,137
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.67%
6.83%
11.78%
Free Cash Flow
-397.83%
-775.87%
-2,828.82%
Net Income, GAAP
-135.97%
30.34%
33.3%
Sales/Revenue/Turnover
5.14%
8.42%
14.33%
Total Cash Common Dividend
5.77%
11.99%
11.27%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
11,649
2024
- -
- -
- -
- -
12,928
2025
- -
- -
- -
- -
14,781

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
4.37
2024
- -
- -
- -
- -
4.89
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.45
2024
- -
- -
- -
- -
1.56
2025
- -
- -
- -
- -
- -
Business
Vienna Insurance Group AG (VIG.VI) operates as the leading insurance group in Central and Eastern Europe, providing a comprehensive range of insurance and pension products through more than 50 companies and pension funds serving approximately 33 million customers across 30 countries. The company offers property and casualty insurance, including motor, fire, liability, and accident coverage; life and health insurance products such as unit-linked policies, endowments, term life, and supplementary health benefits; pension funds and retirement savings plans; and reinsurance services via subsidiaries like VIG Re and Wiener Re. Its operations span key segments including Austria, Czech Republic, Poland, Extended CEE countries (Albania, Bosnia-Herzegovina, Croatia, Moldova, North Macedonia, Serbia, Ukraine), and Special Markets (Germany, Georgia, Liechtenstein, Turkey, Baltic states, Nordics); it maintains a decentralized multi-brand strategy emphasizing local expertise and generates the majority of revenue from Austria, Czech Republic, and Poland. Founded in 1824 through predecessor companies including Wiener Städtische Versicherung, which traces roots to early Austrian life insurers, Vienna Insurance Group AG is headquartered in Vienna, Austria, at the iconic Ringturm building. The group targets both retail and corporate customers with tailored solutions, focusing on high-quality, locally adapted products in non-life, life, health, and pension segments, while leveraging its position as a market leader in CEE through strategic expansions begun in 1990. In recent developments, Vienna Insurance Group advances its growth strategy with the acquisition of a controlling majority stake in NÜRNBERGER Beteiligungs-AG, a German insurer with €3.7 billion in gross written premiums, 2.6 million customers, and 3,800 employees as of 2024; the public purchase offer concluded on November 21, 2025, achieving a 98.38% acceptance rate ahead of a planned 2026 closing, diversifying VIG's portfolio into Europe's largest insurance market while preserving the NÜRNBERGER brand under its multi-brand model. The company launched the evolve28 group strategy on December 4, 2025, setting ambitious targets for 2026-2029 with a focus on CO³ framework elements for sustainable growth, efficiency, and customer proximity, building on the VIG 25 program ending in 2025. Strong financial performance in 2025, including a 31% year-over-year profit before taxes surge to €872.8 million in the first nine months and raised full-year guidance to €1.10-1.15 billion, underscores operational resilience amid weather claims and capital investments reaching €45.6 billion, with a solvency ratio of 238% supporting further M&A opportunities.