Vienna Insurance Group AG/€VIG
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Vienna Insurance Group AG
Vienna Insurance Group AG is an insurance company based in Vienna, Austria, specializing in providing a wide range of insurance products and services. The company operates primarily in the life and non-life insurance sectors, including property and casualty insurance. It was founded in 1824 and has since positioned itself as a significant player in Central and Eastern Europe. Vienna Insurance Group AG maintains an extensive geographic footprint, with subsidiaries in numerous countries across the region. Its strategic strengths lie in its strong regional presence and diverse portfolio, enabling it to manage risk effectively across various markets.
- Ticker
- €VIG
- Sector
- Finance
- Primary listing
- VSE
- Employees
- 33,636
- Headquarters
- Vienna, Austria
- Website
- group.vig
VIG Metrics
BasicAdvanced
€9B
10.09
€6.97
0.44
€1.73
2.46%
Price and volume
Market cap
€9B
Beta
0.44
52-week high
€75.10
52-week low
€43.70
Average daily volume
43K
Dividend rate
€1.73
Financial strength
Current ratio
1.838
Quick ratio
1.587
Long term debt to equity
0.332
Total debt to equity
0.332
Dividend payout ratio (TTM)
26.88%
Interest coverage (TTM)
20.61%
Profitability
EBITDA (TTM)
1,874.551
Gross margin (TTM)
15.92%
Net profit margin (TTM)
6.25%
Operating margin (TTM)
10.94%
Effective tax rate (TTM)
27.30%
Revenue per employee (TTM)
€430,000
Management effectiveness
Return on assets (TTM)
1.81%
Return on equity (TTM)
12.87%
Valuation
Price to earnings (TTM)
10.092
Price to revenue (TTM)
0.625
Price to book
1.26
Price to tangible book (TTM)
1.72
Price to free cash flow (TTM)
22.412
Free cash flow yield (TTM)
4.46%
Free cash flow per share (TTM)
3.137
Dividend yield (TTM)
2.46%
Forward dividend yield
2.46%
Growth
Revenue change (TTM)
8.73%
Earnings per share change (TTM)
31.92%
3-year revenue growth (CAGR)
10.19%
10-year revenue growth (CAGR)
4.52%
3-year earnings per share growth (CAGR)
10.93%
10-year earnings per share growth (CAGR)
29.26%
3-year dividend per share growth (CAGR)
9.99%
10-year dividend per share growth (CAGR)
11.17%
Bulls say / Bears say
First-half pre-tax profit rose 20.7%, premiums grew 5.4% and insurance service revenue increased 7.1%. VIG also reaffirmed its 2026 profit guidance of €1.25bn–€1.30bn, excluding Nürnberger. (Vienna Insurance Group)
The net combined ratio improved to 91.4%, showing that VIG converted its growing business into better underwriting performance. Its solvency ratio remained a substantial 272% after the Nürnberger acquisition was factored in on a simplified basis. (Vienna Insurance Group)
VIG has completed its largest-ever acquisition, taking 99.2% of Nürnberger and adding a German business that it says can strengthen diversification and its biometric insurance offering. This gives VIG a new platform for growth beyond its CEE base. (Vienna Insurance Group)
VIG’s solvency ratio fell to 272% from 296% at year-end 2025, with the simplified inclusion of Nürnberger accounting for the reduction. The company says the ratio may still move when the acquisition is fully consolidated. (Vienna Insurance Group, Stock Analysis)
Weather-related losses were higher in the first half. A further rise in claims from severe weather could weigh on margins, even though VIG’s combined ratio improved over the period. (AM Best)
VIG pulled back motor third-party liability growth in Türkiye to protect profitability, and premiums in its special market segment fell 2.6%. The trade-off is that claims and market conditions can limit growth in a market where the group is choosing to be more selective. (Vienna Insurance Group)
Data summarised monthly by Lightyear AI. Last updated on 15 Oct 2026.
VIG Financial Performance
Revenues and expenses
VIG Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing VIG
AllEURUSDGBP
Fund name | Fund size | €VIG weighting |
|---|---|---|
iShares ATX€EXXX | €171M | 3.10% |
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.17% |
Xtrackers MSCI Europe Small Cap€DX2J | $3.6B | 0.17% |
L&G Global Quality Dividends£LDGG | $353M | 0.06% |
iShares MSCI World Small Cap£WLDS | $9B | 0.03% |
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