Vienna Insurance Group AG (HAM:WSV2) Net Loan: €1,700 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HAM:WSV2 Vienna Insurance Group AG HAM:WSV2
73 GF Score
Price €64.50
GF Value €38.11
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Vienna Insurance Group AG Net Loan?

Vienna Insurance Group AG HAM:WSV2 -0.31% 73 Net Loan is €1,700 Mil as of Dec. 2025. GuruFocus rates HAM:WSV2 with a GF Score™ of 73/100 and a GF Value™ of €38.11 (Significantly Overvalued). The stock has 2 warning signs investors should review.

Vienna Insurance Group AG's quarterly net loan increased from Dec. 2024 (€1,587 Mil) to Jun. 2025 (€28,911 Mil) but then declined from Jun. 2025 (€28,911 Mil) to Dec. 2025 (€1,700 Mil).

Vienna Insurance Group AG's annual net loan increased from Dec. 2023 (€0 Mil) to Dec. 2024 (€28,911 Mil) and increased from Dec. 2024 (€28,911 Mil) to Dec. 2025 (€1,700 Mil).

Vienna Insurance Group AG Net Loan Historical Data

* Premium members only.

The historical data trend for Vienna Insurance Group AG's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Vienna Insurance Group AG Net Loan Chart

Vienna Insurance Group AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 788.95 0.00 1,586.62 1,700.17

Vienna Insurance Group AG Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 707.04 1,586.62 28,910.55 1,700.17
HAM:WSV2
73GF Score
Vienna Insurance Group AG HAM:WSV2
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Vienna Insurance Group AG Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €1,700 Mil mean?
Vienna Insurance Group AG (HAM:WSV2) has a Net Loan of €1,700 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Vienna Insurance Group AG and its competitors.
Is Vienna Insurance Group AG's Net Loan too high?
Vienna Insurance Group AG's current Net Loan is €1,700 Mil. Overall, Vienna Insurance Group AG has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vienna Insurance Group AG's Net Loan compare to BRK.A and AIG?
Vienna Insurance Group AG's Net Loan of €1,700 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Vienna Insurance Group AG and its competitors. Vienna Insurance Group AG's current Net Loan is €1,700 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vienna Insurance Group AG stock overvalued right now?
Based on GuruFocus' analysis, Vienna Insurance Group AG (HAM:WSV2) is currently considered Significantly Overvalued. The stock's GF Value™ is €38.11, compared to a current price of €64.50 — trading 69.2% above its estimated fair value. The current Net Loan is €1,700 Mil. Vienna Insurance Group AG's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Vienna Insurance Group AG (HAM:WSV2), the current Net Loan is €1,700 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Vienna Insurance Group AG (HAM:WSV2) Overvalued in 2026?

Based on GuruFocus' analysis, Vienna Insurance Group AG stock appears to be overvalued. The current stock price of €64.50 is trading 69.2% above its estimated GF Value™ of €38.11. GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.

Key valuation signals for HAM:WSV2:

  • Net Loan: €1,700 Mil
  • GF Value™: €38.11 vs. price of €64.50 (69.2% above fair value)
  • GF Score™: 73/100 with 2 warning signs

No single metric tells the full story. See the HAM:WSV2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Vienna Insurance Group AG Business Description

Address Schottenring 30, Vienna, AUT, 1010
Vienna Insurance Group AG is a diversified insurance company that offers property and casualty, life, and health insurance products. The company maintains its goal of consolidating market leadership in Austria while taking advantage of the growth potential in Central and Eastern Europe. The company generates the majority of its revenue in Austria, followed by the Czech Republic and Poland.
73GF Score

Get the complete analysis for HAM:WSV2

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€64.50
Price
€38.11
GF Value