Vienna Insurance Group AGVNRFY 76 Price-to-Tangible-Book is 1.55 as of Jun. 24, 2026, which is 61% above its 10-year median of 0.96. GuruFocus rates VNRFY with a GF Score™ of 76/100 and a GF Value™ of $8.54 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 475 Insurance companies, Vienna Insurance Group AG ranks worse than 54.11% on this metric.
Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Vienna Insurance Group AG Price-to-Tangible-Book Related Terms
Vienna Insurance Group AG Price-to-Tangible-Book 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.
Vienna Insurance Group AG Price-to-Tangible-Book Chart
VNRFY vs BRK.A, AIG, HIG: Price-to-Tangible-Book Comparison
For the Insurance - Diversified subindustry, Vienna Insurance Group AG's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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 Price-to-Tangible-Book vs Insurance Industry
For the Insurance industry and Financial Services sector, Vienna Insurance Group AG's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Vienna Insurance Group AG's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Vienna Insurance Group AG (VNRFY) has a Price-to-Tangible-Book of 1.55 as of Jun. 24, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Vienna Insurance Group AG and its competitors. This is 61% above median its historical median of 0.96. Over the past decade, Vienna Insurance Group AG's Price-to-Tangible-Book has ranged from 0.78 to 1.63. According to the industry distribution chart, Vienna Insurance Group AG ranks #257 out of 475 companies in the Insurance industry, placing it in the top 54.1%.
Is Vienna Insurance Group AG's Price-to-Tangible-Book too high?
Vienna Insurance Group AG's current Price-to-Tangible-Book of 1.55 is 61% above median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 1.63. The Insurance industry median Price-to-Tangible-Book is 1.49. Vienna Insurance Group AG's value of 1.55 is 4% above this industry median. Based on the distribution chart, Vienna Insurance Group AG ranks #257 out of 475 companies in the Insurance industry, which is below the industry midpoint. Overall, Vienna Insurance Group AG has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vienna Insurance Group AG's Price-to-Tangible-Book compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #257 out of 475 companies for Price-to-Tangible-Book. This places Vienna Insurance Group AG in the lower half of its industry. The industry median Price-to-Tangible-Book is 1.49. Vienna Insurance Group AG's value of 1.55 is 4% above this benchmark. Historically, Vienna Insurance Group AG's own Price-to-Tangible-Book has ranged from 0.78 to 1.63 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 1.49, 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 Price-to-Tangible-Book for an Insurance company?
The median Price-to-Tangible-Book among Insurance companies is 1.49, based on 475 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vienna Insurance Group AG's current Price-to-Tangible-Book of 1.55 is 4% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Vienna Insurance Group AG and its competitors. For the Insurance industry, the median Price-to-Tangible-Book is 1.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vienna Insurance Group AG's current Price-to-Tangible-Book is 1.55, which is 61% above median its own 10-year median of 0.96. 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 (VNRFY) is currently considered Significantly Overvalued. The stock's GF Value™ is $8.54, compared to a current price of $14.97 — trading 75.3% above its estimated fair value. The current Price-to-Tangible-Book is 1.55, which is 61% above median its 10-year median of 0.96 and 4% above the Insurance industry median of 1.49. Vienna Insurance Group AG's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Vienna Insurance Group AG (VNRFY), the current Price-to-Tangible-Book is 1.55 as of Jun. 24, 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 (VNRFY) Overvalued in 2026?
Based on GuruFocus' analysis, Vienna Insurance Group AG stock appears to be overvalued.
The current stock price of $14.97 is trading 75.3% above its estimated GF Value™ of $8.54.
GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.
Key valuation signals for VNRFY:
Price-to-Tangible-Book: 1.55 (61% above median its 10-year median of 0.96)
GF Value™: $8.54 vs. price of $14.97 (75.3% above fair value)
Industry Position: 4% above the Insurance median (#257 of 475)
No single metric tells the full story. See the VNRFY 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.
76GF Score
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