Vienna Insurance Group AGSTU:WSV2 -3.89%73 FCF Margin % is 1.08% as of Dec. 2025, which is 47% below its 10-year median of 2.02. GuruFocus rates STU:WSV2 with a GF Score™ of 73/100 and a GF Value™ of €38.28 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, Vienna Insurance Group AG ranks worse than 69.66% on this metric.
* 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.
STU:WSV2 vs BRK.A, AIG, HIG: FCF Margin % Comparison
For the Insurance - Diversified subindustry, Vienna Insurance Group AG's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Vienna Insurance Group AG's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Vienna Insurance Group AG's FCF Margin % 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.
Vienna Insurance Group AG (STU:WSV2) has a FCF Margin % of 1.08% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Vienna Insurance Group AG and its competitors. This is 47% below median its historical median of 2.02. According to the industry distribution chart, Vienna Insurance Group AG ranks #349 out of 501 companies in the Insurance industry, placing it in the top 69.7%.
Is Vienna Insurance Group AG's FCF Margin % too high?
Vienna Insurance Group AG's current FCF Margin % of 1.08% is 47% below median its 10-year median of 2.02. The Insurance industry median FCF Margin % is 9.60. Vienna Insurance Group AG's value of 1.08% is 88.8% below this industry median. Based on the distribution chart, Vienna Insurance Group AG ranks #349 out of 501 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 FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #349 out of 501 companies for FCF Margin %. This places Vienna Insurance Group AG in the lower half of its industry. The industry median FCF Margin % is 9.60. Vienna Insurance Group AG's value of 1.08% is 88.8% below this benchmark. While the company's 10-year median is 2.02 vs. the industry median of 9.60, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vienna Insurance Group AG's current FCF Margin % of 1.08% is 88.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Vienna Insurance Group AG and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vienna Insurance Group AG's current FCF Margin % is 1.08%, which is 47% below median its own 10-year median of 2.02. 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 (STU:WSV2) is currently considered Significantly Overvalued. The stock's GF Value™ is €38.28, compared to a current price of €64.30 — trading 68% above its estimated fair value. The current FCF Margin % is 1.08%, which is 47% below median its 10-year median of 2.02 and 88.8% below the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Vienna Insurance Group AG (STU:WSV2), the current FCF Margin % is 1.08% 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 (STU:WSV2) Overvalued in 2026?
Based on GuruFocus' analysis, Vienna Insurance Group AG stock appears to be overvalued.
The current stock price of €64.30 is trading 68% above its estimated GF Value™ of €38.28.
GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.
Key valuation signals for STU:WSV2:
FCF Margin %: 1.08% (47% below median its 10-year median of 2.02)
GF Value™: €38.28 vs. price of €64.30 (68% above fair value)
Industry Position: 88.8% below the Insurance median (#349 of 501)
No single metric tells the full story. See the STU: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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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