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.
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.
Vienna Insurance Group AGHAM:WSV2 +0.31%73 Debt-to-EBITDA is 1.17 as of Dec. 2025, which is 64% below its 10-year median of 3.23. GuruFocus rates HAM:WSV2 with a GF Score™ of 73/100 and a GF Value™ of €38.20 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 321 Insurance companies, Vienna Insurance Group AG ranks worse than 51.4% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Vienna Insurance Group AG's Debt-to-EBITDA or its related term are showing as below:
HAM:WSV2'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.26 Med: 3.23 Max: 3.92
Current: 1.26
During the past 13 years, the highest Debt-to-EBITDA Ratio of Vienna Insurance Group AG was 3.92. The lowest was 1.26. And the median was 3.23.
HAM:WSV2's Debt-to-EBITDA is ranked worse than 51.4% of 321
companies
in the Insurance industry
Industry Median: 1.18
vs HAM:WSV2: 1.26
Vienna Insurance Group AG (HAM:WSV2) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Vienna Insurance Group AG Debt-to-EBITDA Related Terms
Vienna Insurance Group AG Debt-to-EBITDA Historical Data
* 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.
HAM:WSV2 vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Vienna Insurance Group AG's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Vienna Insurance Group AG Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Vienna Insurance Group AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Vienna Insurance Group AG's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Vienna Insurance Group AG (HAM:WSV2) has a Debt-to-EBITDA of 1.17 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Vienna Insurance Group AG. This is 64% below median its historical median of 3.23. Over the past decade, Vienna Insurance Group AG's Debt-to-EBITDA has ranged from 1.26 to 3.92. According to the industry distribution chart, Vienna Insurance Group AG ranks #165 out of 321 companies in the Insurance industry, placing it in the top 51.4%.
Is Vienna Insurance Group AG's Debt-to-EBITDA too high?
Vienna Insurance Group AG's current Debt-to-EBITDA of 1.17 is 64% below median its 10-year median of 3.23. Over the past 10 years, this metric has ranged from a low of 1.26 to a high of 3.92. The Insurance industry median Debt-to-EBITDA is 1.18. Vienna Insurance Group AG's value of 1.17 is 0.8% below this industry median. Based on the distribution chart, Vienna Insurance Group AG ranks #165 out of 321 companies in the Insurance industry, which is below the industry midpoint. 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 Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #165 out of 321 companies for Debt-to-EBITDA. This places Vienna Insurance Group AG in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Vienna Insurance Group AG's value of 1.17 is 0.8% below this benchmark. Historically, Vienna Insurance Group AG's own Debt-to-EBITDA has ranged from 1.26 to 3.92 over the past decade. While the company's 10-year median is 3.23 vs. the industry median of 1.18, Vienna Insurance Group AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.18, based on 321 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vienna Insurance Group AG's current Debt-to-EBITDA of 1.17 is 0.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Vienna Insurance Group AG. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vienna Insurance Group AG's current Debt-to-EBITDA is 1.17, which is 64% below median its own 10-year median of 3.23. 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 €38.20, compared to a current price of €64.70 — trading 69.4% above its estimated fair value. The current Debt-to-EBITDA is 1.17, which is 64% below median its 10-year median of 3.23 and 0.8% below the Insurance industry median of 1.18. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Vienna Insurance Group AG (HAM:WSV2), the current Debt-to-EBITDA is 1.17 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 €64.70 is trading 69.4% above its estimated GF Value™ of €38.20.
GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.
Key valuation signals for HAM:WSV2:
Debt-to-EBITDA: 1.17 (64% below median its 10-year median of 3.23)
GF Value™: €38.20 vs. price of €64.70 (69.4% above fair value)
Industry Position: 0.8% below the Insurance median (#165 of 321)
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 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
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HAM:WSV2 has been successfully added to your 
