Vienna Insurance Group AG Logo

Vienna Insurance Group AG

VIG.VI

(2.5)
Stock Price

30,15 EUR

0.99% ROA

12.05% ROE

7.25x PER

Market Cap.

3.379.200.000,00 EUR

53.82% DER

4.92% Yield

5.21% NPM

Vienna Insurance Group AG Stock Analysis

Vienna Insurance Group AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Vienna Insurance Group AG Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0x), the stock offers substantial upside potential at a bargain price.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

The stock's ROE falls within an average range (9.6%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.99%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 DER

The stock has a reasonable amount of debt compared to its ownership (54%), suggesting a balanced financial position and a moderate level of risk.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

8 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

11 Buffet Intrinsic Value

The company's stock appears overvalued (0) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

Vienna Insurance Group AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Vienna Insurance Group AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Vienna Insurance Group AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Vienna Insurance Group AG Revenue
Year Revenue Growth
2003 700.158.084
2004 757.143.368 7.53%
2005 4.880.996.000 84.49%
2006 5.811.538.000 16.01%
2007 6.989.427.000 16.85%
2008 9.148.987.000 23.6%
2009 9.200.763.000 0.56%
2010 9.173.992.000 -0.29%
2011 9.288.167.000 1.23%
2012 10.654.061.000 12.82%
2013 10.050.437.000 -6.01%
2014 9.822.020.000 -2.33%
2015 9.474.777.000 -3.66%
2016 9.537.253.000 0.66%
2017 9.997.765.000 4.61%
2018 11.327.272.000 11.74%
2019 10.788.275.000 -5%
2020 10.375.535.000 -3.98%
2021 10.734.263.000 3.34%
2022 12.061.641.000 11%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Vienna Insurance Group AG Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Vienna Insurance Group AG General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 293.798.000 100%
2007 334.223.000 12.1%
2008 373.126.000 10.43%
2009 370.177.000 -0.8%
2010 359.190.000 -3.06%
2011 349.903.000 -2.65%
2012 347.134.000 -0.8%
2013 344.053.000 -0.9%
2014 345.459.000 0.41%
2015 364.698.000 5.28%
2016 381.370.000 4.37%
2017 414.666.000 8.03%
2018 -357.260.000 216.07%
2019 218.602.000 263.43%
2020 233.054.000 6.2%
2021 272.952.000 14.62%
2022 306.457.000 10.93%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Vienna Insurance Group AG EBITDA
Year EBITDA Growth
2003 31.202.985
2004 51.495.739 39.41%
2005 194.072.000 73.47%
2006 259.555.000 25.23%
2007 385.336.000 32.64%
2008 540.797.000 28.75%
2009 665.454.000 18.73%
2010 548.786.000 -21.26%
2011 626.782.000 12.44%
2012 770.023.000 18.6%
2013 459.943.000 -67.42%
2014 656.017.000 29.89%
2015 342.662.000 -91.45%
2016 515.734.000 33.56%
2017 564.802.000 8.69%
2018 449.332.000 -25.7%
2019 554.704.000 19%
2020 394.500.000 -40.61%
2021 561.131.000 29.7%
2022 594.524.000 5.62%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Vienna Insurance Group AG Gross Profit
Year Gross Profit Growth
2003 700.158.084
2004 757.143.368 7.53%
2005 4.880.996.000 84.49%
2006 5.811.538.000 16.01%
2007 6.989.427.000 16.85%
2008 9.148.987.000 23.6%
2009 9.200.763.000 0.56%
2010 9.173.992.000 -0.29%
2011 9.288.167.000 1.23%
2012 10.654.061.000 12.82%
2013 10.050.437.000 -6.01%
2014 9.822.020.000 -2.33%
2015 9.474.777.000 -3.66%
2016 9.537.253.000 0.66%
2017 9.997.765.000 4.61%
2018 11.327.272.000 11.74%
2019 10.788.275.000 -5%
2020 10.375.535.000 -3.98%
2021 10.734.263.000 3.34%
2022 12.061.641.000 11%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Vienna Insurance Group AG Net Profit
Year Net Profit Growth
2003 27.156.823
2004 83.885.533 67.63%
2005 198.737.000 57.79%
2006 264.321.000 24.81%
2007 348.871.000 24.24%
2008 442.343.000 21.13%
2009 363.713.000 -21.62%
2010 413.250.000 11.99%
2011 441.909.000 6.49%
2012 446.194.000 0.96%
2013 234.798.000 -90.03%
2014 366.800.000 35.99%
2015 98.223.000 -273.44%
2016 287.778.000 65.87%
2017 297.596.000 3.3%
2018 248.004.000 -20%
2019 331.277.000 25.14%
2020 231.513.000 -43.09%
2021 375.730.000 38.38%
2022 465.941.000 19.36%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Vienna Insurance Group AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 1 100%
2005 2 50%
2006 2 0%
2007 3 0%
2008 3 33.33%
2009 3 -50%
2010 3 0%
2011 3 33.33%
2012 3 0%
2013 2 -200%
2014 3 50%
2015 0 0%
2016 2 100%
2017 2 0%
2018 2 -100%
2019 3 50%
2020 2 -100%
2021 3 50%
2022 4 33.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Vienna Insurance Group AG Free Cashflow
Year Free Cashflow Growth
2004 1.035.264.000
2005 1.475.258.000 29.82%
2006 1.433.680.000 -2.9%
2007 1.778.530.000 19.39%
2008 1.771.845.000 -0.38%
2009 1.751.744.000 -1.15%
2010 1.746.551.000 -0.3%
2011 1.056.193.000 -65.36%
2012 1.417.293.000 25.48%
2013 1.008.112.000 -40.59%
2014 1.181.441.000 14.67%
2015 944.557.000 -25.08%
2016 788.205.000 -19.84%
2017 929.810.000 15.23%
2018 -83.447.000 1214.25%
2019 740.858.000 111.26%
2020 40.247.000 -1740.78%
2021 86.320.000 53.37%
2022 -81.846.000 205.47%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Vienna Insurance Group AG Operating Cashflow
Year Operating Cashflow Growth
2004 1.056.054.000
2005 1.537.737.000 31.32%
2006 1.645.358.000 6.54%
2007 2.020.978.000 18.59%
2008 2.089.098.000 3.26%
2009 1.989.647.000 -5%
2010 2.094.667.000 5.01%
2011 1.538.257.000 -36.17%
2012 1.591.209.000 3.33%
2013 1.201.230.000 -32.46%
2014 1.426.896.000 15.82%
2015 1.118.612.000 -27.56%
2016 1.132.664.000 1.24%
2017 1.269.879.000 10.81%
2018 135.968.000 -833.95%
2019 1.298.764.000 89.53%
2020 310.620.000 -318.12%
2021 522.138.000 40.51%
2022 624.982.000 16.46%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Vienna Insurance Group AG Capital Expenditure
Year Capital Expenditure Growth
2004 20.790.000
2005 62.479.000 66.72%
2006 211.678.000 70.48%
2007 242.448.000 12.69%
2008 317.253.000 23.58%
2009 237.903.000 -33.35%
2010 348.116.000 31.66%
2011 482.064.000 27.79%
2012 173.916.000 -177.18%
2013 193.118.000 9.94%
2014 245.455.000 21.32%
2015 174.055.000 -41.02%
2016 344.459.000 49.47%
2017 340.069.000 -1.29%
2018 219.415.000 -54.99%
2019 557.906.000 60.67%
2020 270.373.000 -106.35%
2021 435.818.000 37.96%
2022 706.828.000 38.34%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Vienna Insurance Group AG Equity
Year Equity Growth
2003 333.411.393
2004 445.102.076 25.09%
2005 2.001.492.000 77.76%
2006 2.212.409.000 9.53%
2007 2.338.105.000 5.38%
2008 3.604.956.000 35.14%
2009 4.339.280.000 16.92%
2010 4.633.412.000 6.35%
2011 4.630.642.000 -0.06%
2012 5.405.840.000 14.34%
2013 4.849.650.000 -11.47%
2014 5.110.404.000 5.1%
2015 4.860.133.000 -5.15%
2016 4.564.263.000 -6.48%
2017 4.832.011.000 5.54%
2018 4.547.473.000 -6.26%
2019 5.074.114.000 10.38%
2020 5.162.738.000 1.72%
2021 5.478.217.000 5.76%
2022 4.223.838.000 -29.7%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Vienna Insurance Group AG Assets
Year Assets Growth
2003 12.579.517.113
2004 14.156.131.689 11.14%
2005 19.441.446.000 27.19%
2006 22.483.454.000 13.53%
2007 26.745.073.000 15.93%
2008 33.398.203.000 19.92%
2009 36.272.265.000 7.92%
2010 39.472.916.000 8.11%
2011 39.769.651.000 0.75%
2012 42.336.385.000 6.06%
2013 41.976.891.000 -0.86%
2014 44.425.087.000 5.51%
2015 45.147.981.000 1.6%
2016 50.008.108.000 9.72%
2017 51.713.955.000 3.3%
2018 51.163.496.000 -1.08%
2019 50.344.924.000 -1.63%
2020 50.428.068.000 0.16%
2021 52.178.157.000 3.35%
2022 49.274.012.000 -5.89%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Vienna Insurance Group AG Liabilities
Year Liabilities Growth
2003 12.246.105.720
2004 13.711.029.613 10.68%
2005 17.382.114.000 21.12%
2006 20.200.246.000 13.95%
2007 24.129.510.000 16.28%
2008 642.725.000 -3654.25%
2009 31.643.692.000 97.97%
2010 34.443.269.000 8.13%
2011 531.232.000 -6383.66%
2012 36.584.518.000 98.55%
2013 36.956.796.000 1.01%
2014 39.141.660.000 5.58%
2015 40.090.178.000 2.37%
2016 44.296.851.000 9.5%
2017 45.670.006.000 3.01%
2018 45.327.800.000 -0.75%
2019 45.154.231.000 -0.38%
2020 2.246.808.000 -1909.71%
2021 2.212.305.000 -1.56%
2022 2.350.808.000 5.89%

Vienna Insurance Group AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
94.23
Net Income per Share
3.64
Price to Earning Ratio
7.25x
Price To Sales Ratio
0.28x
POCF Ratio
5.41
PFCF Ratio
-41.29
Price to Book Ratio
0.8
EV to Sales
0.3
EV Over EBITDA
6.04
EV to Operating CashFlow
5.75
EV to FreeCashFlow
-43.91
Earnings Yield
0.14
FreeCashFlow Yield
-0.02
Market Cap
3,38 Bil.
Enterprise Value
3,59 Bil.
Graham Number
51.99
Graham NetNet
176.75

Income Statement Metrics

Net Income per Share
3.64
Income Quality
1.35
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.83
EBT Per Ebit
47.01
Ebit per Revenue
0
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.03
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0
Pretax Profit Margin
0.06
Net Profit Margin
0.05

Dividends

Dividend Yield
0.05
Dividend Yield %
4.92
Payout Ratio
0.42
Dividend Per Share
1.3

Operating Metrics

Operating Cashflow per Share
4.88
Free CashFlow per Share
-0.64
Capex to Operating CashFlow
-1.13
Capex to Revenue
-0.06
Capex to Depreciation
0
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-5.52

Balance Sheet

Cash per Share
195,11
Book Value per Share
33,00
Tangible Book Value per Share
350.3
Shareholders Equity per Share
33
Interest Debt per Share
18.56
Debt to Equity
0.54
Debt to Assets
0.05
Net Debt to EBITDA
0.36
Current Ratio
0
Tangible Asset Value
44,84 Bil.
Net Current Asset Value
22,62 Bil.
Invested Capital
0.54
Working Capital
24,97 Bil.
Intangibles to Total Assets
0.04
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.67

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Vienna Insurance Group AG Dividends
Year Dividends Growth
2000 2
2001 2 0%
2002 2 0%
2003 3 33.33%
2004 3 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 2 100%
2009 2 0%
2010 1 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 2 50%
2021 1 0%
2022 1 100%
2023 1 0%

Vienna Insurance Group AG Profile

About Vienna Insurance Group AG

Vienna Insurance Group AG, together with its subsidiaries, provides various insurance products and services in life, health, and property and casualty areas in Central and Eastern Europe. The company provides motor own damage, rail vehicle own damage, aircraft own damage, transport, fire and natural hazards, third party liability, carrier, aircraft liability, general liability, credit, guarantee, legal expenses, assistance, marine, aviation, and travel health insurance products, as well as sea, lake, and river shipping own damage insurance. It also offers reinsurance products and services. The company sells its products through sales employees, banks, brokers, and agents. It operates in 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. The company was founded in 1824 and is headquartered in Vienna, Austria. Vienna Insurance Group AG operates as a subsidiary of Wiener Stadtische Wechselseitiger Versicherungsverein - Vermögensverwaltung - Vienna Insurance Group.

CEO
Mr. Hartwig Loger
Employee
29.000
Address
Schottenring 30
Vienna, 1010

Vienna Insurance Group AG Executives & BODs

Vienna Insurance Group AG Executives & BODs
# Name Age
1 Mr. Gabor Lehel
Member of the Managing Board & Chief Information Officer
70
2 Ms. Nina Higatzberger-Schwarz
Head of Investor Relations
70
3 Mr. Hartwig Loger
Chairman of the Managing Board, Chief Executive Officer & GM
70
4 Mr. Peter Franz Hofinger
Deputy GM & Deputy Chairman of the Managing Board
70
5 Magistrate Liane Hirner
Member of the Managing Board, Chief Finance & Risk Officer
70
6 Mr. Harald Riener
Member of the Managing Board
70
7 Mr. Stephan Klinger
Head of Legal Department
70
8 Jasmin Schwarz
Head of Compliance
70
9 Mr. Wolfgang Haas
Head of Communication & Marketing
70
10 Magistrate Gerhard Lahner M.Sc.
Member of the Managing Board & Chief Operating Officer
70

Vienna Insurance Group AG Competitors