Vienna Insurance Group AGSTU:WSV2 -3.89%73 Net Margin % is 5.65% as of Dec. 2025, which is 71% above its 10-year median of 3.30. GuruFocus rates STU:WSV2 with a GF Score™ of 73/100 and a GF Value™ of €38.18 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 503 Insurance companies, Vienna Insurance Group AG ranks worse than 66.2% on this metric.
The historical rank and industry rank for Vienna Insurance Group AG's Net Margin % or its related term are showing as below:
STU:WSV2'
s Net Margin % Range Over the Past 10 Years
Min: 2.23 Med: 3.3 Max: 5.65
Current: 5.65
STU:WSV2's Net Margin % is ranked worse than 66.2% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs STU:WSV2: 5.65
Vienna Insurance Group AG (STU:WSV2) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Vienna Insurance Group AG Net Margin % Related Terms
Vienna Insurance Group AG Net Margin % 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.
STU:WSV2 vs BRK.A, AIG, HIG: Net Margin % Comparison
For the Insurance - Diversified subindustry, Vienna Insurance Group AG's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Vienna Insurance Group AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Vienna Insurance Group AG's Net 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 Net Margin % of 5.65% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Vienna Insurance Group AG and its competitors. This is 71% above median its historical median of 3.30. Over the past decade, Vienna Insurance Group AG's Net Margin % has ranged from 2.23 to 5.65. According to the industry distribution chart, Vienna Insurance Group AG ranks #333 out of 503 companies in the Insurance industry, placing it in the top 66.2%.
Is Vienna Insurance Group AG's Net Margin % too high?
Vienna Insurance Group AG's current Net Margin % of 5.65% is 71% above median its 10-year median of 3.30. Over the past 10 years, this metric has ranged from a low of 2.23 to a high of 5.65. The Insurance industry median Net Margin % is 9.29. Vienna Insurance Group AG's value of 5.65% is 39.2% below this industry median. Based on the distribution chart, Vienna Insurance Group AG ranks #333 out of 503 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 Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #333 out of 503 companies for Net Margin %. This places Vienna Insurance Group AG in the lower half of its industry. The industry median Net Margin % is 9.29. Vienna Insurance Group AG's value of 5.65% is 39.2% below this benchmark. Historically, Vienna Insurance Group AG's own Net Margin % has ranged from 2.23 to 5.65 over the past decade. While the company's 10-year median is 3.30 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vienna Insurance Group AG's current Net Margin % of 5.65% is 39.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Vienna Insurance Group AG and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vienna Insurance Group AG's current Net Margin % is 5.65%, which is 71% above median its own 10-year median of 3.30. 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 €38.18, compared to a current price of €64.30 — trading 68.4% above its estimated fair value. The current Net Margin % is 5.65%, which is 71% above median its 10-year median of 3.30 and 39.2% below the Insurance industry median of 9.29. Vienna Insurance Group AG's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Vienna Insurance Group AG (STU:WSV2), the current Net Margin % is 5.65% 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 68.4% above its estimated GF Value™ of €38.18.
GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.
Key valuation signals for STU:WSV2:
Net Margin %: 5.65% (71% above median its 10-year median of 3.30)
GF Value™: €38.18 vs. price of €64.30 (68.4% above fair value)
Industry Position: 39.2% below the Insurance median (#333 of 503)
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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