Vienna Insurance Group AG (VNRGF)
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 (VNRGF) trades at $74.53 with AI Score 56/100 (Grade B). Vienna Insurance Group AG (VNRGF) is a leading insurance provider in Central and Eastern Europe, offering a wide range of life, health, and property and casualty insurance products. Market cap: $9.54B, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for VNRGF: VNRGF 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 VNRGF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
VNRGF: 2/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Vienna Insurance Group AG (VNRGF) Financial Services Profile
Vienna Insurance Group AG (VNRGF) stands as a prominent insurance provider in Central and Eastern Europe, delivering comprehensive life, health, and property and casualty insurance solutions across a diverse geographic landscape, backed by over 200 years of industry experience.
What Is the Investment Thesis for VNRGF?
Vienna Insurance Group AG (VNRGF) presents a compelling investment thesis characterized by its stable revenue generation and strong market positioning in Central and Eastern Europe. The company boasts a market capitalization of $9.54B and a P/E ratio of 15.9, indicating a solid valuation relative to its earnings. VIG's profit margin stands at 5.4%, reflecting operational efficiency in a competitive landscape. The company's diverse product offerings and extensive geographic reach position it well to capitalize on growth opportunities in emerging markets. Key growth catalysts include expanding its digital insurance services and enhancing customer engagement through innovative solutions. However, potential risks such as regulatory changes in the insurance sector and increasing competition from both local and international players must be monitored closely. Overall, VIG's established market presence and strategic initiatives provide a solid foundation for sustainable growth in the coming years.
Based on FMP financials and quantitative analysis
VNRGF Key Highlights
- Market capitalization of $9.54B, showcasing VIG's strong market presence.
- P/E ratio of 15.9, indicating a favorable valuation in the insurance sector.
- Profit margin of 5.4%, reflecting operational efficiency and effective cost management.
- Gross margin of 100.0%, demonstrating the company's ability to maintain profitability across its diverse product lines.
- Dividend yield of 2.69%, providing a return to shareholders in addition to capital appreciation.
Who Are VNRGF's Competitors?
VNRGF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CINSF China Taiping Insurance Holdings Company Limited | $0.88 | -68.81% | $3.15B | 58 |
| GIVSY Grupo de Inversiones Suramericana S.A. | $19.72 | +0.00% | $4.30B | 48 |
| SYANY Sydbank A/S | $14.41 | -9.94% | $3.77B | 44 |
| AFFS AmTrust Financial Services, Inc. | $15.76 | +0.06% | $3.12B | 51 |
| 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 VNRGF's Key Strengths?
- Strong market presence in Central and Eastern Europe with a diverse customer base.
- Comprehensive range of insurance products catering to various sectors.
- Established distribution network enhancing accessibility and customer service.
- Solid financial metrics indicating operational efficiency and profitability.
What Are VNRGF's Weaknesses?
- Exposure to regulatory changes in multiple countries affecting operations.
- Limited liquidity due to OTC trading status, potentially impacting stock performance.
- Dependence on traditional insurance models in a rapidly digitalizing market.
- Challenges in maintaining market share amidst increasing competition.
What Could Drive VNRGF Stock Higher?
- Expansion of digital insurance services to enhance customer engagement.
- Strategic partnerships with fintech companies to innovate product offerings.
- Continued growth in emerging markets, leveraging local expertise.
- Launch of new health insurance products to meet rising demand.
- Focus on sustainability initiatives to attract environmentally conscious customers.
What Are the Key Risks for VNRGF?
- Financial-distress signal — its Altman Z-Score of 1.12 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes impacting operations and compliance costs.
- Increasing competition from both local and international insurers.
- Economic downturns affecting consumer spending on insurance products.
- Challenges in adapting to rapid digital transformation in the industry.
What Are the Growth Opportunities for VNRGF?
- Digital Transformation: As the insurance sector increasingly adopts digital technologies, VIG has the opportunity to enhance its service delivery and customer experience through digital platforms. The global digital insurance market is expected to grow significantly, providing VIG a chance to capture a larger share by investing in technology and innovative solutions over the next 3-5 years.
- Expansion into Emerging Markets: VIG can leverage its expertise to expand into emerging markets within Central and Eastern Europe, where insurance penetration remains low. By tailoring products to meet local needs, the company could tap into a market potential estimated at several billion dollars over the next decade.
- Product Diversification: The company has the opportunity to diversify its product offerings further, particularly in health and life insurance, which are experiencing increased demand. With the health insurance market projected to grow at a CAGR of 8% through 2028, VIG can capitalize on this trend by enhancing its health insurance products.
- Strategic Partnerships: Forming strategic alliances with fintech companies can help VIG innovate its product offerings and improve customer engagement. Collaborations in technology can enhance operational efficiency and customer service, potentially increasing market share in the competitive landscape over the next few years.
- Sustainability Initiatives: With a growing emphasis on sustainability, VIG can develop insurance products that cater to environmentally conscious consumers and businesses. The sustainable insurance market is poised for growth, and VIG's commitment to sustainability could enhance its brand reputation and attract new customers.
What Opportunities Does VNRGF Have?
- Growing demand for digital insurance solutions and technology adoption.
- Expansion into underpenetrated emerging markets within the region.
- Potential for product diversification in health and life insurance sectors.
- Strategic partnerships with fintech companies to enhance service offerings.
What Threats Does VNRGF Face?
- Intensifying competition from both local and international insurance providers.
- Economic fluctuations impacting consumer spending on insurance products.
- Regulatory risks associated with compliance in various jurisdictions.
- Changing consumer preferences towards digital and on-demand insurance solutions.
What Are VNRGF's Competitive Advantages?
- Established brand recognition in Central and Eastern Europe, providing a competitive advantage.
- Diverse product portfolio that caters to various customer needs and market segments.
- Strong distribution network that enhances reach and customer engagement.
- Long-standing history and experience in the insurance industry, fostering trust and reliability.
- Ability to adapt to regulatory changes and market dynamics effectively.
What Does VNRGF Do?
Founded in 1824, Vienna Insurance Group AG (VNRGF) has evolved into a leading insurance provider in Central and Eastern Europe, offering a comprehensive range of insurance products and services. The company operates through its subsidiaries, providing life, health, and property and casualty insurance solutions. VIG's extensive product portfolio includes motor own damage, rail vehicle own damage, aircraft own damage, transport, fire and natural hazards, third-party liability, and various other insurance types, including reinsurance services. The company has established a robust distribution network, selling its products through sales employees, banks, brokers, and agents. VIG's operations span multiple countries, including Austria, the Czech Republic, Slovakia, Poland, Romania, and several others in the region, highlighting its strong regional brand recognition. As a subsidiary of Wiener Stadtische Wechselseitiger Versicherungsverein - Vermögensverwaltung, VIG has maintained a significant market presence, continually adapting to the evolving insurance landscape. With a workforce of approximately 32,055 employees, Vienna Insurance Group AG is well-positioned to leverage its extensive experience and regional insights to drive growth and innovation in the insurance sector.
What Products and Services Does VNRGF Offer?
- Provide a wide range of insurance products including life, health, and property and casualty insurance.
- Offer specialized insurance solutions such as motor own damage and aircraft liability.
- Deliver reinsurance products and services to support clients' risk management needs.
- Utilize a diverse distribution network including banks, brokers, and sales agents.
- Operate across multiple countries in Central and Eastern Europe, enhancing regional market presence.
- Focus on customer engagement and innovative solutions to improve service delivery.
How Does VNRGF Make Money?
- Generate revenue through premiums collected from various insurance products.
- Offer reinsurance services to other insurers, creating an additional revenue stream.
- Utilize a diversified product portfolio to mitigate risks associated with market fluctuations.
- Leverage strategic partnerships to enhance distribution and customer reach.
- Invest in technology to improve operational efficiency and customer service.
What Industry Does VNRGF Operate In?
The insurance industry in Central and Eastern Europe is characterized by significant growth potential, driven by increasing demand for insurance products amid rising economic stability and consumer awareness. The market is projected to expand as more individuals and businesses recognize the importance of risk management and financial security. Vienna Insurance Group AG (VNRGF) occupies a strong position within this landscape, benefiting from its established brand and extensive distribution network. The competitive landscape includes notable peers such as China Taiping Insurance Holdings Company Limited (CINSF), Grupo de Inversiones Suramericana S.A. (GIVSY), Sydbank A/S (SYANY), and AmTrust Financial Services, Inc. (AFFS), all of which contribute to a dynamic marketplace where VIG must continuously innovate to maintain its competitive edge.
Who Are VNRGF's Key Customers?
- Individuals seeking life, health, and property insurance coverage.
- Businesses requiring comprehensive insurance solutions for risk management.
- Financial institutions and brokers facilitating insurance sales.
- Government entities and organizations needing specialized insurance products.
- Emerging market consumers looking for affordable insurance options.
How Vienna Insurance Group AG Is Valued
Vienna Insurance Group AG carries a market capitalization of $9.54B, placing it in the mid-cap category. Relative to its peer group, VNRGF's quantitative score of 56/100 is roughly in line with the peer average of 53/100.
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. VNRGF has traded publicly since 2017.
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. VNRGF trades at a trailing price-to-earnings ratio of 15.93, 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 1.12 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 $14.10B for fiscal 2026, with EPS near $7.44.
VNRGF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe in the growth potential.
- Community sentiment has turned positive, with discussions highlighting the company's strong market position and solid fundamentals.
- Analysts are noting the company's resilience in the face of economic challenges, suggesting a robust operational strategy.
- There is increasing interest in the insurance sector as investors seek stability in uncertain markets, benefiting established players like Vienna Insurance Group.
Bear Case
- Some analysts express concerns over rising competition in the insurance space, which could pressure margins and growth.
- Recent community discussions reflect skepticism about the company's ability to adapt to rapid digital transformation in the industry.
- Economic uncertainties and regulatory changes are creating a cautious outlook among investors, leading to bearish sentiment in some circles.
- There are worries about potential overvaluation in the sector, which could lead to corrections affecting stocks like VNRGF.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
VNRGF Latest News
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Vienna Insurance Group AG (VNRFY) Q1 2026 Earnings Call Transcript
seekingalpha.com · May 29, 2026
VNRGF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for VNRGF.
Price Targets
Wall Street price target analysis for VNRGF.
VNRGF MoonshotScore
What does this score mean?
The MoonshotScore rates VNRGF'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 industry, having held various leadership roles within Vienna Insurance Group AG. He possesses extensive experience in managing large teams and overseeing operations across multiple regions. Loger holds a degree in business administration and has been instrumental in driving the company's strategic initiatives and growth.
Track Record: Under Hartwig Loger's leadership, Vienna Insurance Group AG has expanded its market presence and diversified its product offerings. He has successfully navigated the company through regulatory changes and competitive challenges, ensuring sustained growth and profitability.
VNRGF OTC Market Information
The OTC Other tier indicates that VNRGF trades on the over-the-counter market, which typically has less stringent listing requirements compared to major exchanges like NYSE or NASDAQ. This can lead to lower visibility and liquidity for investors, making it essential to conduct thorough due diligence.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited liquidity due to OTC trading, which can affect stock price stability.
- Higher volatility associated with stocks trading on the OTC market.
- Potential lack of analyst coverage compared to larger exchange-listed companies.
- Regulatory risks that may differ from those on major exchanges.
- Verify the company's financial health through recent earnings reports.
- Assess the competitive landscape and market positioning.
- Investigate regulatory compliance and potential changes in the insurance sector.
- Examine the management team's experience and strategic vision.
- Review customer satisfaction and claims handling processes.
- Established history since 1824, indicating stability and experience.
- Strong regional brand recognition in Central and Eastern Europe.
- Diverse product offerings that cater to various customer needs.
- Transparent financial reporting practices and available disclosures.
What Investors Ask About Vienna Insurance Group AG (VNRGF) — Financial Services
What does Vienna Insurance Group AG do?
Vienna Insurance Group AG (VNRGF) is a leading insurance provider in Central and Eastern Europe, offering a comprehensive range of insurance products including life, health, and property and casualty insurance. The company operates through subsidiaries and has a robust distribution network that includes banks, brokers, and agents, catering to both individual and business clients across multiple countries.
What do analysts say about VNRGF stock?
Analysts generally view Vienna Insurance Group AG (VNRGF) as a stable player in the insurance market, with a focus on its strong regional presence and diverse product offerings. Valuation metrics such as a P/E ratio of 15.9 suggest that the stock is reasonably valued compared to its peers. Growth considerations include the company's ability to adapt to changing market dynamics and enhance its digital services.
What are the main risks for VNRGF?
Vienna Insurance Group AG faces several risks, including regulatory changes that could impact its operations and compliance costs. The company also contends with increasing competition from both local and international insurers, which may affect market share. Additionally, economic downturns can lead to reduced consumer spending on insurance products, posing a threat to revenue growth.
What are the key factors to evaluate for VNRGF?
Vienna Insurance Group AG (VNRGF) holds an AI score of 56/100 (moderate). P/E: 15.9x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does VNRGF data refresh on this page?
VNRGF 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 VNRGF's recent stock price performance?
Vienna Insurance Group AG (VNRGF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market presence in Central and Eastern Europe with a diverse customer base. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider VNRGF overvalued or undervalued right now?
Vienna Insurance Group AG (VNRGF) trades at 15.9x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying VNRGF?
Before investing in Vienna Insurance Group AG (VNRGF), 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.
- The information provided is based on available data and may be subject to change.