Vienna Insurance Group AG
Vienna Insurance Group AG Fundamental Analysis
Vienna Insurance Group AG (VNRFY) shows moderate financial fundamentals with a PE ratio of 0.54, profit margin of 5.18%, and ROE of 10.48%. The company generates $12.9B in annual revenue with strong year-over-year growth of 11.02%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 57.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze VNRFY's fundamental strength across five key dimensions:
Efficiency Score
WeakVNRFY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentVNRFY trades at attractive valuation levels.
Growth Score
ExcellentVNRFY delivers strong and consistent growth momentum.
Financial Health Score
ModerateVNRFY shows balanced financial health with some risks.
Profitability Score
WeakVNRFY struggles to sustain strong margins.
Key Financial Metrics
Is VNRFY Expensive or Cheap?
P/E Ratio
VNRFY trades at 0.54 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, VNRFY's PEG of 0.19 indicates potential undervaluation.
Price to Book
The market values Vienna Insurance Group AG at 0.06 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does VNRFY Make Money?
Net Profit Margin
For every $100 in sales, Vienna Insurance Group AG keeps $5.18 as profit after all expenses.
Operating Margin
Core operations generate 8.54 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.48 in profit for every $100 of shareholder equity.
ROA
Vienna Insurance Group AG generates $1.30 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Vienna Insurance Group AG generates limited operating cash flow of $743.55M, signaling weaker underlying cash strength.
Free Cash Flow
Vienna Insurance Group AG produces free cash flow of $517.73M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $20.22 in free cash annually.
FCF Yield
VNRFY converts 1.47% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
0.54
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.19
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.06
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.03
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.25
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How VNRFY Stacks Against Its Sector Peers
| Metric | VNRFY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 0.54 | 18.73 | Better (Cheaper) |
| ROE | 10.48% | 847.00% | Weak |
| Net Margin | 5.18% | 2562.00% | Weak |
| Debt/Equity | 0.25 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 1.30% | -21692.00% (disorted) | Weak |
VNRFY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Vienna Insurance Group AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
19.84%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
94.79%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-73.36%
Industry Style: Value, Dividend, Cyclical
Declining