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Vienna Insurance Group AG (VIG.VI)

EUR66.00 +1.10 (+1.69%)
AT VIE Financial Services Insurance - Diversified
Address Schottenring 30 1010
Vienna, AT
CEO Hartwig Loger
Website vig.com
IPO 2006-05-20
ISIN AT0000908504

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Also trades on Other OTC · VNRFY (USD) Other OTC · VNRGF (USD) Vienna Stock Exchange · VIG.VI (EUR)
Description

Vienna Insurance Group AG (VIG), along with its affiliated entities, delivers a comprehensive array of insurance and related services across the life, health, and property & casualty sectors, with a primary focus on Central and Eastern Europe. Its extensive portfolio encompasses diverse types of coverage, including damage insurance for motor, rail, and air vehicles; protection against fire and natural perils; various liability policies such as third-party, carrier, aircraft, and general liability; as well as credit, guarantee, legal expense, assistance, and specialized marine, aviation, and travel health insurance. This also extends to damage coverage for sea, lake, and river shipping. Beyond direct insurance, VIG also provides reinsurance solutions. The group's offerings are distributed through its dedicated sales personnel, banking partners, independent brokers, and a broad network of agents. VIG maintains a significant operational presence across numerous countries in the region, including Austria, the Czech Republic, Slovakia, Poland, Romania, the Baltic states, Hungary, Bulgaria, Turkey, Georgia, Albania, Kosovo, Bosnia-Herzegovina, Croatia, North Macedonia, Moldova, Serbia, Ukraine, Germany, and Liechtenstein. Established in 1824, the company's corporate headquarters are situated in Vienna, Austria. Vienna Insurance Group AG functions as a subsidiary of Wiener Stadtische Wechselseitiger Versicherungsverein - Vermögensverwaltung - Vienna Insurance Group.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR66.00 +1.10 (+1.69%)
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Volume Profile
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Liquidity & share structure
Average Volume
44.0K
Beta
0.44
Float Shares
35.24M
Free Float %
27.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+3.44% -2.02% -1.41% -4.25% +27.86% -6.93% +43.41% +159.67% +172.57% +217.09% -44.10%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
66.00
DCF (Unlevered) 109.41 +65.8%
DCF (Levered) 62.85 -4.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 75% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 3 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.10
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
4 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Diversified: +15.2%
    +15.2% Q4'25: +10.3% (vs Q4'24)
  • EPS growth Insurance - Diversified: +25.3%
    +29.7% Q4'25: +52.2% (vs Q4'24)
  • FCF margin FCF growth · Insurance - Diversified: +30.2%
    +17.3% Q4'25: +2.5% (vs Q4'24)
  • EBIT margin Insurance - Diversified: +13.5%
    +8.3% Q4'25: +0.0% (vs Q4'24)
  • ROIC Insurance - Diversified: +4.2%
    Q4'25: +0.0% (vs Q4'24)
  • Share dilution Insurance - Diversified: +0.0%
    +0.0% Q4'25: +0.0% (vs Q4'24)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    1.27×
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.45) × ERP
WACC = 81% × Ke + 19% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 109.41 Current price: 66.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
2 EPS Ana.
Dec 2027
1 Rev. Ana.
3 EPS Ana.
Dec 2028
1 Rev. Ana.
3 EPS Ana.
Dec 2029
1 Rev. Ana.
1 EPS Ana.
Dec 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
9.48B
est: 9.23B (+2.7%)
9.54B
est: 9.11B (+4.7%)
10.00B
est: 9.31B (+7.4%)
10.20B
est: 9.66B (+5.6%)
10.79B
est: 10.22B (+5.6%)
10.37B
est: 10.51B (-1.3%)
10.64B
est: 9.46B (+12.5%)
8.97B
est: 10.90B (-17.7%)
11.65B
est: 11.74B (-0.8%)
12.93B
est: 13.04B (-0.8%)
14.89B
est: 15.25B (-2.4%)
14.09B
14.09B – 14.09B
-7.6% YoY
14.96B
14.96B – 14.96B
+6.2% YoY
15.85B
15.85B – 15.85B
+6.0% YoY
21.35B
21.35B – 21.35B
+34.7% YoY
22.68B
22.68B – 22.68B
+6.2% YoY
EBITDA
265.53M
est: 698.89M (-62.0%)
656.40M
est: 689.67M (-4.8%)
770.07M
est: 704.53M (+9.3%)
781.16M
est: 730.94M (+6.9%)
769.68M
est: 773.70M (-0.5%)
512.83M
est: 795.31M (-35.5%)
687.30M
est: 716.29M (-4.0%)
770.12M
est: 825.48M (-6.7%)
1.04B
est: 1.00B (+3.7%)
1.16B
est: 1.11B (+4.3%)
1.45B
est: 1.30B (+11.2%)
1.20B
1.20B – 1.20B
-7.6% YoY
1.27B
1.27B – 1.27B
+6.2% YoY
1.35B
1.35B – 1.35B
+6.0% YoY
1.82B
1.82B – 1.82B
+34.7% YoY
1.93B
1.93B – 1.93B
+6.2% YoY
EBIT
129.67M
est: 600.89M (-78.4%)
505.89M
est: 592.96M (-14.7%)
567.04M
est: 605.74M (-6.4%)
607.46M
est: 628.45M (-3.3%)
637.57M
est: 665.21M (-4.2%)
440.92M
est: 683.79M (-35.5%)
613.88M
est: 615.85M (-0.3%)
680.97M
est: 709.73M (-4.1%)
871.04M
est: 859.08M (+1.4%)
963.85M
est: 954.29M (+1.0%)
1.24B
est: 1.12B (+10.8%)
1.03B
1.03B – 1.03B
-7.6% YoY
1.09B
1.09B – 1.09B
+6.2% YoY
1.16B
1.16B – 1.16B
+6.0% YoY
1.56B
1.56B – 1.56B
+34.7% YoY
1.66B
1.66B – 1.66B
+6.2% YoY
Net Income
-20.58M
est: 164.16M (-112.5%)
287.78M
est: 268.89M (+7.0%)
297.60M
est: 267.40M (+11.3%)
268.92M
est: 277.29M (-3.0%)
331.28M
est: 301.54M (+9.9%)
231.51M
est: 259.54M (-10.8%)
375.73M
est: 358.35M (+4.9%)
472.34M
est: 384.35M (+22.9%)
558.98M
est: 559.63M (-0.1%)
645.26M
est: 639.86M (+0.8%)
834.87M
est: 852.31M (-2.0%)
945.39M
926.80M – 963.98M
+10.9% YoY
1.04B
1.00B – 1.08B
+10.4% YoY
1.15B
1.12B – 1.19B
+10.6% YoY
1.19B
1.19B – 1.19B
+3.2% YoY
1.27B
1.27B – 1.27B
+6.8% YoY
SGA
364.70M
est: 343.94M (+6.0%)
381.37M
est: 339.41M (+12.4%)
223.91M
est: 346.72M (-35.4%)
226.90M
est: 359.72M (-36.9%)
218.60M
est: 380.76M (-42.6%)
233.05M
est: 391.40M (-40.5%)
272.95M
est: 352.51M (-22.6%)
468.71M
est: 406.24M (+15.4%)
512.56M
est: 482.65M (+6.2%)
541.79M
est: 536.14M (+1.1%)
622.43M
est: 627.21M (-0.8%)
579.26M
579.26M – 579.26M
-7.6% YoY
615.08M
615.08M – 615.08M
+6.2% YoY
651.71M
651.71M – 651.71M
+6.0% YoY
877.79M
877.79M – 877.79M
+34.7% YoY
932.40M
932.40M – 932.40M
+6.2% YoY
EPS
-0.16
est: 1.28 (-112.5%)
2.16
est: 2.10 (+2.8%)
2.23
est: 2.09 (+6.7%)
2.10
est: 2.17 (-3.1%)
2.59
est: 2.36 (+9.9%)
1.81
est: 2.03 (-10.7%)
2.94
est: 2.80 (+5.0%)
3.63
est: 3.02 (+20.1%)
4.31
est: 4.37 (-1.4%)
4.98
est: 5.00 (-0.4%)
6.46
est: 6.66 (-2.9%)
7.43
7.24 – 7.53
+11.7% YoY
8.15
7.85 – 8.46
+9.7% YoY
8.94
8.75 – 9.27
+9.7% YoY
9.30
9.30 – 9.30
+4.0% YoY
9.93
9.93 – 9.93
+6.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-28 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-27 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-26 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-25 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-22 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-21 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-20 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-19 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-18 C 2/5 4/5 1/5 1/5 3/5 1/5 1/5
2026-05-15 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-05-14 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-05-13 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-05-12 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-05-11 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-05-08 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-05-07 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-05-06 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-05-05 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-05-04 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-04-30 B 3/5 1/5 3/5 4/5 2/5 4/5 3/5
2026-04-29 B 3/5 1/5 3/5 4/5 2/5 4/5 3/5
2026-04-28 B 3/5 1/5 3/5 4/5 2/5 4/5 3/5
2026-04-27 B 3/5 1/5 3/5 4/5 2/5 4/5 3/5
2026-04-24 B+ 3/5 1/5 4/5 4/5 2/5 4/5 3/5
2026-04-23 B+ 3/5 1/5 4/5 5/5 2/5 4/5 3/5
2026-04-22 B+ 3/5 1/5 4/5 5/5 2/5 4/5 3/5
2026-04-21 B+ 3/5 1/5 4/5 5/5 2/5 4/5 3/5
2026-04-20 B+ 3/5 1/5 4/5 5/5 2/5 4/5 3/5
2026-04-17 B+ 3/5 1/5 4/5 5/5 2/5 4/5 3/5
2026-04-16 B+ 3/5 1/5 4/5 5/5 2/5 4/5 3/5
2026-04-15 B+ 3/5 1/5 4/5 5/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
627.15M
OE per share TTM
4.90
Owner's Yield
7.61%
Maintenance CapEx ratio
13.22%
Maint CapEx / Avg PPE
7.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
38.6K
Shares Outstanding
128.00M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Hartwig Loger Chairman of the Managing Board, Chief Executive Officer & GM 2M male
Peter Franz Hofinger Deputy GM & Deputy Chairman of the Managing Board 2M male
Liane Hirner Member of the Managing Board, Chief Finance & Risk Officer 1M female
Magistrate Gerhard Lahner Member of the Managing Board & Chief Operating Officer 1M
Gabor Lehel Member of the Managing Board & Chief Innovation Officer 1M male
Harald Riener Member of the Managing Board 1M male
Magistrate Christoph Rath Board Member of the Managing Board 563.0K
Karin Kafesie Head of Communication, internal Cooperation & Collaboration female
Jasmin Schwarz Head of Compliance
Nina Higatzberger-Schwarz Head of Investor Relations female
Philipp Bardas General Secretariat & Head of Legal male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits