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Vienna Insurance Group AG has the Financial Strength Rank of 6.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Vienna Insurance Group AG's Interest Coverage for the quarter that ended in Dec. 2025 was 15.28.
Vienna Insurance Group AG's debt to revenue ratio for the quarter that ended in Dec. 2025 was 0.12.
Altman Z-Score does not apply to banks and insurance companies.
Vienna Insurance Group AG (FRA:WSV2) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Vienna Insurance Group AG has the Financial Strength Rank of 6.
Vienna Insurance Group AG Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 (FRA:WSV2) has a Financial Strength of 6 as of Dec. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Vienna Insurance Group AG and its competitors. This is 20% above median its historical median of 5.00. Over the past decade, Vienna Insurance Group AG's Financial Strength has ranged from 3.00 to 8.00.
Is Vienna Insurance Group AG's Financial Strength too high?
Vienna Insurance Group AG's current Financial Strength of 6 is 20% above median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 8.00. Overall, Vienna Insurance Group AG has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vienna Insurance Group AG's Financial Strength compare to BRK.A and AIG?
Vienna Insurance Group AG's Financial Strength of 6 can be compared against companies in the Insurance industry. Historically, Vienna Insurance Group AG's own Financial Strength has ranged from 3.00 to 8.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for an Insurance company?
A good Financial Strength depends on the Insurance industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Vienna Insurance Group AG and its competitors. Vienna Insurance Group AG's current Financial Strength is 6, which is 20% above median its own 10-year median of 5.00. 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 (FRA:WSV2) is currently considered Significantly Overvalued. The stock's GF Value™ is €37.86, compared to a current price of €69.40 — trading 83.3% above its estimated fair value. The current Financial Strength is 6, which is 20% above median its 10-year median of 5.00. Vienna Insurance Group AG's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Vienna Insurance Group AG (FRA:WSV2), the current Financial Strength is 6 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 (FRA:WSV2) Overvalued in 2026?
Based on GuruFocus' analysis, Vienna Insurance Group AG stock appears to be overvalued.
The current stock price of €69.40 is trading 83.3% above its estimated GF Value™ of €37.86.
GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.
Key valuation signals for FRA:WSV2:
Financial Strength: 6 (20% above median its 10-year median of 5.00)
GF Value™: €37.86 vs. price of €69.40 (83.3% above fair value)
No single metric tells the full story. See the FRA: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.
69GF Score
Get the complete analysis for FRA:WSV2
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