Fact based stock research
Vienna Insurance Group (WBAG:VIG)

AT0000908504

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

(NEW) Sentiment - quantifies professional analyst ratings and holdings as well as market pulse. Green = positive sentiment; red = skepticism (Only available to Premium Subscribers).

(NEW) 360° View - the ultimate rating with all financial and non-financial indicators.

Vienna Insurance Group stock research in summary

vig.com

ANALYSIS: With an Obermatt Combined Rank of 48 (worse than 52% compared with investment alternatives), Vienna Insurance Group (Multi-line Insurance, Austria) shares have somewhat below-average financial characteristics compared with similar stocks. Shares of Vienna Insurance Group are a good value (attractively priced) with a consolidated Value Rank of 81 (better than 81% of alternatives), show above-average growth (Growth Rank of 99) but are riskily financed (Safety Rank of 37), which means above-average debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 48, is a hold recommendation based on Vienna Insurance Group's financial characteristics. As the company Vienna Insurance Group's key financial metrics exhibit excellent performance in two areas, such as good value (Obermatt Value Rank of 81) and above-average growth (Obermatt Growth Rank of 99), it could be argued that the risk-taking in financing (Obermatt Safety Rank of only 37) indicates that the company is optimistic about the future and sees debt as an opportunity to boost returns. More debt means more shareholder returns if everything goes well. However, higher debt burdens are risky when interest rates rise or the business deteriorates in a crisis. If you believe the company's future is market-typical or even better, this could be an argument for a share purchase. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	81
Growth Rank	99
Safety Rank	37
Combined Rank	48

Country	Austria
Industry	Multi-line Insurance
Index	ATX, Diversity Europe, SDG 11, SDG 13, SDG 3, SDG 5
Size class	XX-Large

This stock has achievements: Insight 2023-07-13, Top 10 Stock.

10-Apr-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Vienna Insurance Group

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	91	93	91	81
GROWTH
GROWTH	45	91	77	99
SAFETY
SAFETY	37	37	37	37
SENTIMENT
SENTIMENT	93	87	95	^new
360° VIEW
360° VIEW	95	99	99	^new

Most recent update of the stock research: 10-Apr-2025. Financial reporting date used for calculating ranks: 30-Jun-2024. Stock research history is based on the Obermatt Method. The higher the rank, the better Vienna Insurance Group is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	91	93	91	81
GROWTH
GROWTH	45	91	77	99
SAFETY
SAFETY	37	37	37	37
COMBINED
COMBINED	48	48	48	48

Last update of combined financial performance: 6-Oct-2022. Stock analysis on combined financial performance: The higher the rank of Vienna Insurance Group the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 81 (better than 81% compared with alternatives) for 2022, Vienna Insurance Group shares are significantly less expensive than comparable stocks. The Value Rank is based on consolidating four value indicators, with three out of four indicators above average for Vienna Insurance Group. Price-to-Sales (P/S) is 81, which means that the stock price compared with what market professionals expect for future sales is lower than for 81% of comparable companies, indicating a good value regarding Vienna Insurance Group's revenue size. The same is valid for expected Price to Profits (or Price / Earnings, P/E), more favorable than for 93% of alternatives, and it's also true for the Price-to-Book Capital ratio (also referred to as market-to-book ratio) with a Price-to-Capital Rank of 93. But, compared with other companies in the same industry, dividend yields are expected to be lower than average; only 33% of all competitors have even lower dividend yields than Vienna Insurance Group (a Dividend Yield Rank of 33). 67% alternative investments in the same business provide a higher dividend yield. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 81, is a buy recommendation based on Vienna Insurance Group's stock price compared with the company's operational size and dividend yields. The below-average dividend yield may be a good sign, as it could mean the company has more attractive investment opportunities for the generated cash than to pay it out as dividends. A low dividend yield can also indicate a growth phase. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	87	94	89	81
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	81	89	89	93
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	91	92	93	93
DIVIDEND YIELD
DIVIDEND YIELD	57	50	49	33
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	91	93	91	81

Last update of Value Rank: 10-Apr-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Vienna Insurance Group; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 99 (better than 99% compared with alternatives) for 2022, Vienna Insurance Group shows one of the highest growth dynamics in its industry. Investors also speak of high momentum. The Growth Rank is based on consolidating four value indicators, with all four indicators above average for Vienna Insurance Group. Sales Growth has a value of 88, which means that, currently, professionals expect the company to grow more than 88% of its competitors. The same is valid for Profit Growth with a value of 64 and for Capital Growth with 58. In addition, Stock Returns had an above-average rank value of 85, which means they have been higher than 85% of comparable investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 99, is a buy recommendation for growth and momentum investors. Since all Growth Ranks are positive, Vienna Insurance Group exhibits above-average growth momentum. This could be due to a uniquely strong market position, proprietary technology, or an extensive corporate acquisition strategy. Growth investors will find this an attractive investment opportunity, unless they expect that the current phase is transitory and will deteriorate in the future. The current performance could also be a temporary recovery from a very low point, such as a turn-around situation. In the case of a turn-around, the current performance may or may not be followed by a continuing positive development. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	63	49	75	88
PROFIT GROWTH
PROFIT GROWTH	33	63	48	64
CAPITAL GROWTH
CAPITAL GROWTH	37	83	56	58
STOCK RETURNS
STOCK RETURNS	51	83	71	85
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	45	91	77	99

Last update of Growth Rank: 10-Apr-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Vienna Insurance Group.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 37 (better than 37% compared with alternatives), the company Vienna Insurance Group has financing practices on the riskier side, which means that their overall debt burden is above the industry average. This doesn't mean that the business of Vienna Insurance Group is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, where all three are above average for Vienna Insurance Group. Leverage is at 64, meaning the company has a below-average debt-to-equity ratio. It has less debt than 64% of its competitors. Refinancing is at a rank of 78, meaning that the portion of the debt about to be refinanced is below average. It has less debt in the refinancing stage than 78% of its competitors. Finally, Liquidity is also good at a rank of 79, which means that the company generates more profit to service its debt than 79% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 37 (worse than 63% compared with alternatives), Vienna Insurance Group has a financing structure that is riskier than that of its competitors. These three positive financing indicators signal that the company is less likely to default on its debt obligations. However, it also means that its shareholder returns will be more modest if things go well. A low safety means fewer troubles in downtimes and less upside in good times. Investors may not have a debt issue with Vienna Insurance Group but they should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	54	60	73	64
REFINANCING
REFINANCING	78	78	78	78
LIQUIDITY
LIQUIDITY	77	81	60	79
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	37	37	37	37

Last update of Safety Rank: 6-Oct-2022. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Vienna Insurance Group and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	70	93	^new
OPINIONS CHANGE
OPINIONS CHANGE	92	95	50	^new
PRO HOLDINGS
PRO HOLDINGS	3	35	61	^new
MARKET PULSE
MARKET PULSE	88	57	85	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	93	87	95	^new

Last update of Sentiment Rank: 10-Apr-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Vienna Insurance Group.
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