Vienna Insurance Group AGHAM:WSV2 73 EV-to-FCF is 18.60 as of Jun. 28, 2026, which is 325% above its 10-year median of 4.38. GuruFocus rates HAM:WSV2 with a GF Score™ of 73/100 and a GF Value™ of €38.63 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 395 Insurance companies, Vienna Insurance Group AG ranks worse than 76.2% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Vienna Insurance Group AG's Enterprise Value is €8,860 Mil.
Vienna Insurance Group AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €476 Mil. Therefore, Vienna Insurance Group AG's EV-to-FCF for today is 18.60.
The historical rank and industry rank for Vienna Insurance Group AG's EV-to-FCF or its related term are showing as below:
HAM:WSV2'
s EV-to-FCF Range Over the Past 10 Years
Min: -491.63 Med: 4.38 Max: 94.89
Current: 18.6
During the past 13 years, the highest EV-to-FCF of Vienna Insurance Group AG was 94.89. The lowest was -491.63. And the median was 4.38.
HAM:WSV2's EV-to-FCF is ranked worse than 76.2% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs HAM:WSV2: 18.60
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Vienna Insurance Group AG (HAM:WSV2) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Vienna Insurance Group AG's PE Ratio (TTM) for today is calculated as:
Vienna Insurance Group AG's share price for today is €64.80.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Vienna Insurance Group AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €6.460.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Vienna Insurance Group AG EV-to-FCF Related Terms
Vienna Insurance Group AG EV-to-FCF 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.
For the Insurance - Diversified subindustry, Vienna Insurance Group AG's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Vienna Insurance Group AG's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Vienna Insurance Group AG's EV-to-FCF falls into.
Vienna Insurance Group AG's current Enterprise Value is €8,860 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Vienna Insurance Group AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €476 Mil.
* 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 (HAM:WSV2) has a EV-to-FCF of 18.60 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Vienna Insurance Group AG and its competitors. This is 325% above median its historical median of 4.38. According to the industry distribution chart, Vienna Insurance Group AG ranks #301 out of 395 companies in the Insurance industry, placing it in the top 76.2%.
Is Vienna Insurance Group AG's EV-to-FCF too high?
Vienna Insurance Group AG's current EV-to-FCF of 18.60 is 325% above median its 10-year median of 4.38. The Insurance industry median EV-to-FCF is 9.32. Vienna Insurance Group AG's value of 18.60 is 99.6% above this industry median. Based on the distribution chart, Vienna Insurance Group AG ranks #301 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #301 out of 395 companies for EV-to-FCF. This places Vienna Insurance Group AG in the lower half of its industry. The industry median EV-to-FCF is 9.32. Vienna Insurance Group AG's value of 18.60 is 99.6% above this benchmark. While the company's 10-year median is 4.38 vs. the industry median of 9.32, Vienna Insurance Group AG has consistently been above 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vienna Insurance Group AG's current EV-to-FCF of 18.60 is 99.6% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Vienna Insurance Group AG and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vienna Insurance Group AG's current EV-to-FCF is 18.60, which is 325% above median its own 10-year median of 4.38. 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 €38.63, compared to a current price of €64.80 — trading 67.7% above its estimated fair value. The current EV-to-FCF is 18.60, which is 325% above median its 10-year median of 4.38 and 99.6% above the Insurance industry median of 9.32. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Vienna Insurance Group AG (HAM:WSV2), the current EV-to-FCF is 18.60 as of Jun. 28, 2026. 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 €64.80 is trading 67.7% above its estimated GF Value™ of €38.63.
GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.
Key valuation signals for HAM:WSV2:
EV-to-FCF: 18.60 (325% above median its 10-year median of 4.38)
GF Value™: €38.63 vs. price of €64.80 (67.7% above fair value)
Industry Position: 99.6% above the Insurance median (#301 of 395)
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
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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