Vienna Insurance Group AG (VNRFY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Vienna Insurance Group AG (VNRFY) trades at $14.97 with AI Score 55/100 (Grade B). Vienna Insurance Group AG (VNRFY) is a leading insurance provider in Central and Eastern Europe, offering a diverse range of insurance products across multiple sectors. Market cap: $391.69M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for VNRFY: VNRFY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates VNRFY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
VNRFY: 4/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Vienna Insurance Group AG (VNRFY) Financial Services Profile
Vienna Insurance Group AG is a prominent insurance provider in Central and Eastern Europe, specializing in life, health, and property and casualty insurance, with a robust market presence and a diverse product portfolio tailored to regional needs.
What Is the Investment Thesis for VNRFY?
Vienna Insurance Group AG presents a stable investment opportunity in the diversified insurance sector, evidenced by its market capitalization of $391.69M and a P/E ratio of 15.71. The company has demonstrated resilience with a profit margin of 5.4% and a gross margin of 100%, indicating effective cost management and operational efficiency. VNRFY's dividend yield of 2.70% reflects its commitment to returning value to shareholders. Key growth drivers include the expanding insurance markets in Central and Eastern Europe, where rising disposable incomes and increasing awareness of insurance products are expected to enhance demand. The company's strategic focus on diversifying its product offerings and enhancing distribution channels positions it well to capture market share. However, potential risks include regulatory changes and economic fluctuations in its operating regions, which could impact profitability. Overall, VNRFY's established presence, diverse product range, and strategic initiatives provide a solid foundation for future growth.
Based on FMP financials and quantitative analysis
VNRFY Key Highlights
- Market capitalization of $391.69M, reflecting a stable market presence.
- P/E ratio of 15.71, indicating reasonable valuation compared to industry peers.
- Profit margin of 5.4%, showcasing operational efficiency.
- Gross margin of 100%, demonstrating effective cost management.
- Dividend yield of 2.70%, highlighting commitment to shareholder returns.
Who Are VNRFY's Competitors?
VNRFY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ALV Autoliv, Inc. | $119.66 | +2.94% | $8.96B | 44 |
| MET MetLife, Inc. | $90.37 | +0.34% | $58.15B | 85 |
| PRU Prudential Financial, Inc. | $113.45 | +0.44% | $39.40B | 81 |
| ZURVY Zurich Insurance Group AG | $38.01 | +0.46% | $113.54B | 50 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
| AIVAF Aviva plc | $8.45 | +0.00% | $25.28B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are VNRFY's Key Strengths?
- Long-standing history and established reputation in the insurance market.
- Diverse range of insurance products catering to various customer segments.
- Strong distribution network enhancing market reach and accessibility.
- Operational efficiencies leading to competitive pricing.
What Are VNRFY's Weaknesses?
- Exposure to regulatory changes in multiple countries.
- Dependence on the economic stability of Central and Eastern Europe.
- Potential challenges in adapting to rapidly changing market dynamics.
What Could Drive VNRFY Stock Higher?
- Expansion into underinsured markets in Central and Eastern Europe to capture additional market share.
- Continued growth in the digital insurance segment, enhancing customer engagement and operational efficiencies.
- Development of innovative health insurance products to meet rising consumer demand.
- Strengthening of distribution channels to improve market access and customer reach.
What Are the Key Risks for VNRFY?
- Financial-distress signal — its Altman Z-Score of 1.02 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes in various operating regions that could impact profitability.
- Economic fluctuations in Central and Eastern Europe affecting consumer spending on insurance.
- Increased competition from local and international insurance providers.
- Challenges in adapting to rapidly changing market dynamics.
What Are the Growth Opportunities for VNRFY?
- Growth opportunity 1: The Central and Eastern European insurance market is projected to grow at a CAGR of 5% over the next five years, driven by rising disposable incomes and increasing awareness of insurance products. Vienna Insurance Group AG, with its extensive product portfolio, is well-positioned to capture this growth by expanding its offerings and enhancing customer engagement strategies.
- Growth opportunity 2: The increasing demand for digital insurance solutions presents a significant opportunity for VNRFY. With a focus on technological advancements, the company can enhance its customer experience and streamline operations, potentially increasing market penetration in the region. The digital insurance market is expected to grow at a CAGR of 10% through 2028, providing a fertile ground for VNRFY's digital initiatives.
- Growth opportunity 3: Expansion into underinsured markets within Central and Eastern Europe can drive significant revenue growth for VNRFY. Countries such as Albania and Kosovo have low insurance penetration rates, presenting an opportunity for the company to introduce tailored products that meet local needs. This strategic expansion could yield substantial returns over the next decade.
- Growth opportunity 4: The increasing focus on health and wellness insurance products is a notable trend in the industry. VNRFY can capitalize on this by developing innovative health insurance solutions that cater to the growing demand for comprehensive health coverage. The health insurance segment is expected to grow at a CAGR of 6% over the next five years, providing ample opportunity for VNRFY to enhance its market share.
- Growth opportunity 5: The rise in environmental awareness is driving demand for insurance products related to climate change and natural disasters. VNRFY can leverage this trend by offering specialized insurance products that address these emerging risks, positioning itself as a leader in sustainable insurance solutions. The market for environmental insurance is expected to grow significantly, providing a strategic avenue for VNRFY's growth.
What Opportunities Does VNRFY Have?
- Growing insurance market in Central and Eastern Europe.
- Increasing demand for digital insurance solutions.
- Expansion into underinsured markets presents growth potential.
- Rising focus on health and wellness insurance products.
What Threats Does VNRFY Face?
- Intense competition from both local and international insurance providers.
- Economic fluctuations impacting consumer spending on insurance.
- Regulatory challenges across different jurisdictions.
What Are VNRFY's Competitive Advantages?
- Established brand reputation built over nearly two centuries.
- Extensive product portfolio catering to diverse customer needs.
- Strong distribution network across multiple countries enhances market access.
- Operational efficiencies resulting in competitive pricing and profitability.
- Commitment to customer service and satisfaction fosters loyalty.
What Does VNRFY Do?
Founded in 1824, Vienna Insurance Group AG (VNRFY) has established itself as a key player in the insurance sector, primarily operating in Central and Eastern Europe. Headquartered in Vienna, Austria, the company offers a comprehensive range of insurance products, including life, health, and property and casualty insurance. Its extensive portfolio encompasses motor own damage, rail vehicle own damage, aircraft own damage, transport, fire and natural hazards, third-party liability, and various other insurance products. The company also provides reinsurance services, catering to a wide array of customer needs. With a workforce of over 32,000 employees, VNRFY distributes its products through various channels, including sales employees, banks, brokers, and agents, ensuring broad market access. The company has a significant operational footprint, with activities spanning Austria, the Czech Republic, Slovakia, Poland, Romania, and several other countries in the region. This extensive geographic reach allows VNRFY to leverage regional market dynamics effectively and respond to local customer demands. As a subsidiary of Wiener Stadtische Wechselseitiger Versicherungsverein - Vermögensverwaltung, Vienna Insurance Group AG has a solid backing and a long-standing reputation in the insurance industry, positioning itself as a trusted partner for individuals and businesses seeking comprehensive insurance solutions.
What Products and Services Does VNRFY Offer?
- Provide a diverse range of insurance products across life, health, and property and casualty sectors.
- Offer specialized insurance products, including motor, rail, and aircraft own damage insurance.
- Deliver reinsurance products and services to various clients.
- Distribute products through a network of sales employees, banks, brokers, and agents.
- Operate in multiple countries across Central and Eastern Europe, enhancing market reach.
- Focus on customer-centric solutions to meet the evolving needs of clients.
How Does VNRFY Make Money?
- Generate revenue through premiums collected from various insurance products.
- Offer reinsurance services to other insurance providers, creating additional revenue streams.
- Utilize a multi-channel distribution strategy to maximize market penetration.
- Leverage operational efficiencies to maintain competitive pricing and profitability.
- Engage in strategic partnerships to enhance product offerings and expand market reach.
What Industry Does VNRFY Operate In?
The insurance industry in Central and Eastern Europe is experiencing significant growth, driven by increasing economic development and rising consumer awareness of insurance products. The market is projected to expand as more individuals and businesses recognize the importance of risk management and financial protection. Competition is intensifying, with both local and international players vying for market share. Vienna Insurance Group AG is well-positioned within this landscape, leveraging its extensive product offerings and established brand reputation to capitalize on emerging opportunities. As the market evolves, the company aims to enhance its competitive edge through innovation and strategic partnerships.
Who Are VNRFY's Key Customers?
- Individuals seeking life, health, and property insurance solutions.
- Businesses requiring comprehensive insurance coverage for various risks.
- Banks and financial institutions looking for insurance products for their clients.
- Brokers and agents who facilitate insurance sales and distribution.
- Government entities seeking insurance solutions for public services.
How Vienna Insurance Group AG Is Valued
Vienna Insurance Group AG carries a market capitalization of $391.69M, placing it in the small-cap category. Relative to its peer group, VNRFY's quantitative score of 55/100 is below the peer average of 65/100.
Company Profile
Vienna Insurance Group AG operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Vienna, AT. The company is led by CEO Hartwig Loger. VNRFY has traded publicly since 2011.
ROE 8%Key Financial Metrics
Return on equity for Vienna Insurance Group AG stands at 8.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. VNRFY trades at a trailing price-to-earnings ratio of 16.15, below the Financial Services sector average of ~18x. Its free cash flow yield is 5.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Vienna Insurance Group AG's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.02 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Vienna Insurance Group AG revenue of about $14.09B for fiscal 2026, with EPS near $0.00.
VNRFY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing history and established reputation in the insurance market.
- Diverse range of insurance products catering to various customer segments.
- Strong distribution network enhancing market reach and accessibility.
- Operational efficiencies leading to competitive pricing.
Bear Case
- Exposure to regulatory changes in multiple countries.
- Dependence on the economic stability of Central and Eastern Europe.
- Potential challenges in adapting to rapidly changing market dynamics.
- Potential: Regulatory changes in various operating regions that could impact profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
VNRFY Latest News
No recent news available for VNRFY.
VNRFY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for VNRFY.
Price Targets
Wall Street price target analysis for VNRFY.
VNRFY MoonshotScore
What does this score mean?
The MoonshotScore rates VNRFY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Hartwig Loger
CEO
Hartwig Loger has a distinguished career in the insurance sector, with extensive experience in management and strategic development. He holds a degree in Business Administration and has held various leadership roles within Vienna Insurance Group AG, contributing significantly to the company's growth and operational efficiency.
Track Record: Under Hartwig Loger's leadership, VNRFY has successfully expanded its product offerings and strengthened its market position in Central and Eastern Europe. His strategic initiatives have focused on enhancing customer engagement and operational efficiencies, resulting in improved financial performance.
Vienna Insurance Group AG ADR Information Unsponsored
An American Depositary Receipt (ADR) represents shares in a foreign company, allowing U.S. investors to trade foreign stocks on U.S. exchanges. VNRFY is classified as a Level 1 ADR, which means it is traded over-the-counter and does not require SEC registration.
- Home Market Ticker: VNRF on the Vienna Stock Exchange, Austria
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: VNRF
VNRFY OTC Market Information
The OTC Other tier includes stocks that trade on the over-the-counter market but do not meet the requirements for higher tiers like OTCQX or OTCQB. This tier typically has less stringent reporting requirements and may have lower visibility among investors compared to stocks listed on major exchanges.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to stocks on major exchanges, which can affect trading efficiency.
- Potential for higher volatility due to lower trading volumes.
- Limited access to comprehensive financial information compared to larger companies.
- Review available financial reports and disclosures.
- Assess the company's market position and competitive landscape.
- Evaluate the management team's track record and strategic direction.
- Consider currency risk associated with foreign investments.
- Analyze the company's growth potential and market opportunities.
- Long-standing history and established reputation in the insurance industry.
- Presence in multiple countries, indicating operational stability.
- Comprehensive product offerings catering to diverse customer needs.
Vienna Insurance Group AG Financial Services Stock: Key Questions Answered
What does Vienna Insurance Group AG do?
Vienna Insurance Group AG provides a wide range of insurance products, including life, health, and property and casualty insurance. The company operates primarily in Central and Eastern Europe, offering specialized products such as motor, rail, and aircraft insurance. VNRFY also delivers reinsurance services, catering to diverse customer needs through various distribution channels.
What are the main risks for VNRFY?
VNRFY faces several risks, including regulatory changes in its operating regions, which could impact profitability. Economic fluctuations in Central and Eastern Europe may affect consumer spending on insurance products. Additionally, the company faces intense competition from both local and international insurers, which could pressure market share and pricing.
How does Vienna Insurance Group AG make money in financial services?
Vienna Insurance Group AG generates revenue primarily through premiums collected from its diverse insurance products. The company also earns income from reinsurance services provided to other insurers. By leveraging a multi-channel distribution strategy, VNRFY maximizes its market penetration, enhancing overall revenue generation.
What are the key factors to evaluate for VNRFY?
Vienna Insurance Group AG (VNRFY) holds an AI score of 55/100 (moderate). Not financial advice.
How frequently does VNRFY data refresh on this page?
VNRFY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven VNRFY's recent stock price performance?
Vienna Insurance Group AG (VNRFY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established reputation in the insurance market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider VNRFY overvalued or undervalued right now?
Valuing Vienna Insurance Group AG (VNRFY) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying VNRFY?
Before investing in Vienna Insurance Group AG (VNRFY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on the latest available information and may be subject to updates.