Vienna Insurance Group AGSTU:WSV2 -3.89%73 ROE % is 13.01% as of Dec. 2025, which is 84% above its 10-year median of 7.07. 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 502 Insurance companies, Vienna Insurance Group AG ranks better than 52.59% on this metric.
The historical rank and industry rank for Vienna Insurance Group AG's ROE % or its related term are showing as below:
STU:WSV2'
s ROE % Range Over the Past 10 Years
Min: 4.52 Med: 7.07 Max: 12.4
Current: 12.4
During the past 13 years, Vienna Insurance Group AG's highest ROE % was 12.40%. The lowest was 4.52%. And the median was 7.07%.
STU:WSV2's ROE % is ranked better than 52.59% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs STU:WSV2: 12.40
Vienna Insurance Group AG (STU:WSV2) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Vienna Insurance Group AG's ROE % distribution charts can be found below:
* The bar in red indicates where Vienna Insurance Group AG's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Vienna Insurance Group AG (STU:WSV2) has a ROE % of 13.01% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Vienna Insurance Group AG and its competitors. This is 84% above median its historical median of 7.07. Over the past decade, Vienna Insurance Group AG's ROE % has ranged from 4.52 to 12.40. According to the industry distribution chart, Vienna Insurance Group AG ranks #238 out of 502 companies in the Insurance industry, placing it in the top 47.4%.
Is Vienna Insurance Group AG's ROE % too high?
Vienna Insurance Group AG's current ROE % of 13.01% is 84% above median its 10-year median of 7.07. Over the past 10 years, this metric has ranged from a low of 4.52 to a high of 12.40. The Insurance industry median ROE % is 11.73. Vienna Insurance Group AG's value of 13.01% is 10.9% above this industry median. Based on the distribution chart, Vienna Insurance Group AG ranks #238 out of 502 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 ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #238 out of 502 companies for ROE %. This puts Vienna Insurance Group AG in the upper half of its industry. The industry median ROE % is 11.73. Vienna Insurance Group AG's value of 13.01% is 10.9% above this benchmark. Historically, Vienna Insurance Group AG's own ROE % has ranged from 4.52 to 12.40 over the past decade. While the company's 10-year median is 7.07 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vienna Insurance Group AG's current ROE % of 13.01% is 10.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Vienna Insurance Group AG and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vienna Insurance Group AG's current ROE % is 13.01%, which is 84% above median its own 10-year median of 7.07. 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 ROE % is 13.01%, which is 84% above median its 10-year median of 7.07 and 10.9% above the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Vienna Insurance Group AG (STU:WSV2), the current ROE % is 13.01% 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:
ROE %: 13.01% (84% above median its 10-year median of 7.07)
GF Value™: €38.28 vs. price of €64.30 (68% above fair value)
Industry Position: 10.9% above the Insurance median (#238 of 502)
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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