Vienna Insurance Group AGSTU:WSV2 -3.89%73 PB Ratio is 1.15 as of Jun. 25, 2026, which is 85% above its 10-year median of 0.62. 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 497 Insurance companies, Vienna Insurance Group AG ranks better than 61.57% on this metric.
The historical rank and industry rank for Vienna Insurance Group AG's PB Ratio or its related term are showing as below:
STU:WSV2'
s PB Ratio Range Over the Past 10 Years
Min: 0.4 Med: 0.62 Max: 1.32
Current: 1.15
During the past 13 years, Vienna Insurance Group AG's highest PB Ratio was 1.32. The lowest was 0.40. And the median was 0.62.
STU:WSV2's PB Ratio is ranked better than 61.57% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs STU:WSV2: 1.15
During the past 12 months, Vienna Insurance Group AG's average Book Value Per Share Growth Rate was 11.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Vienna Insurance Group AG was 26.40% per year. The lowest was -7.00% per year. And the median was 4.60% per year.
Back to Basics: PB Ratio
Vienna Insurance Group AG (STU:WSV2) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Vienna Insurance Group AG PB Ratio Related Terms
Vienna Insurance Group AG PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Vienna Insurance Group AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where Vienna Insurance Group AG's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Vienna Insurance Group AG (STU:WSV2) has a PB Ratio of 1.15 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Vienna Insurance Group AG and its competitors. This is 85% above median its historical median of 0.62. Over the past decade, Vienna Insurance Group AG's PB Ratio has ranged from 0.40 to 1.32. According to the industry distribution chart, Vienna Insurance Group AG ranks #191 out of 497 companies in the Insurance industry, placing it in the top 38.4%.
Is Vienna Insurance Group AG's PB Ratio too high?
Vienna Insurance Group AG's current PB Ratio of 1.15 is 85% above median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.32. The Insurance industry median PB Ratio is 1.38. Vienna Insurance Group AG's value of 1.15 is 16.7% below this industry median. Based on the distribution chart, Vienna Insurance Group AG ranks #191 out of 497 companies in the Insurance industry, which is above 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 PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #191 out of 497 companies for PB Ratio. This puts Vienna Insurance Group AG in the upper half of its industry. The industry median PB Ratio is 1.38. Vienna Insurance Group AG's value of 1.15 is 16.7% below this benchmark. Historically, Vienna Insurance Group AG's own PB Ratio has ranged from 0.40 to 1.32 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 1.38, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vienna Insurance Group AG's current PB Ratio of 1.15 is 16.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Vienna Insurance Group AG and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vienna Insurance Group AG's current PB Ratio is 1.15, which is 85% above median its own 10-year median of 0.62. 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 PB Ratio is 1.15, which is 85% above median its 10-year median of 0.62 and 16.7% below the Insurance industry median of 1.38. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Vienna Insurance Group AG (STU:WSV2), the current PB Ratio is 1.15 as of Jun. 25, 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 (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:
PB Ratio: 1.15 (85% above median its 10-year median of 0.62)
GF Value™: €38.28 vs. price of €64.30 (68% above fair value)
Industry Position: 16.7% below the Insurance median (#191 of 497)
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
Get the complete analysis for STU:WSV2
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:WSV2 has been successfully added to your 
