Revenue distribution by industry:

• Life insurance: approx. 40%
• Non-life insurance: approx. 35%
• Health insurance: approx. 25%

TOP 3 markets and their percentage shares:

• Austria: approx. 25%
• Czech Republic: approx. 20%
• Poland: approx. 15%

Vienna Insurance Group AG mainly generates its revenues from three insurance sectors: life insurance, non-life insurance, and health insurance. The largest share comes from life insurance, followed by non-life and health insurance.

Austria remains the largest market for Vienna Insurance Group, followed by the Czech Republic and Poland. These markets are crucial for the company's revenue structure and reflect the geographical distribution of its business activities.

Headquarters: Vienna, Austria
Activity regions: Central and Eastern Europe

Vienna Insurance Group AG is a leading insurance company in Central and Eastern Europe. As an insurance company, it does not produce physical products but offers insurance services. These services are provided in various countries through a network of subsidiaries and partners. VIG operates in over 30 countries, with a focus on markets in Central and Eastern Europe.

Strategy for Future Growth:

1. Digitalization and Innovation: Vienna Insurance Group (VIG) is increasingly focusing on digital transformation to optimize its business processes and enhance customer experience. This includes investments in new technologies and the development of digital platforms.

2. Geographical Expansion: VIG plans to further expand its presence in Central and Eastern Europe. These regions offer attractive market opportunities due to economic growth and increasing demand for insurance products.

3. Sustainability and ESG Initiatives: The company places great importance on sustainable business practices and is committed to integrating Environmental, Social, and Governance (ESG) criteria into its strategy. This involves sustainable investments and the development of products aimed at ecological and social responsibility.

Through these strategic measures, Vienna Insurance Group aims to strengthen its market position and ensure long-term growth. The focus on digitalization and sustainability reflects the current trends and requirements of the industry.

Main materials: Paper, IT hardware, office supplies
Countries of origin: EU member states, China, USA

Vienna Insurance Group AG is an insurance company that primarily offers services and therefore does not import raw materials in the classical sense. Nevertheless, the company requires materials such as paper for documentation and IT hardware for operations.

These materials are mainly sourced from EU member states to take advantage of the benefits of the internal market. IT hardware is often imported from China and the USA, as these countries are leading in the production of electronics and technology.

Since VIG operates in many countries in Central and Eastern Europe, a portion of the materials is also sourced locally to minimize transportation costs and support local markets.

Market Share in CEE Region: 19% (2024)

Combined Ratio: 95.2% (2024)

Vienna Insurance Group AG (VIG) has a significant competitive advantage, especially in the Central and Eastern European (CEE) region, where it holds a market share of 19%. This strong market position is supported by its broad geographical presence and diversified product portfolio.

Another indicator of the competitive advantage is the Combined Ratio of 95.2%, which indicates an efficient cost structure and effective risk management. A Combined Ratio below 100% means that the company is operating profitably.

VIG also benefits from its long-standing experience and deep understanding of local markets, enabling it to offer tailor-made insurance products and address regional specificities. These factors contribute to strengthening the competitive advantage of the Vienna Insurance Group and solidifying its position as a leading insurer in the CEE region.

Institutional Investor Share: approx. 70% (estimated, 2025)
Insider Buys/Sells: No significant transactions in the last year (2024)

The institutional investor share in Vienna Insurance Group AG is estimated to be around 70%. This reflects the confidence of institutional investors in the company's stability and growth potential.

In 2024, there were no significant insider transactions, indicating that the management and other insiders did not make any significant changes to their holdings. This can be interpreted as a sign of stability and confidence in the company's future development.

Market share Vienna Insurance Group AG: 18% (estimated for 2025)

Main competitors and their market shares:

1. Allianz SE: 22%
2. Generali Group: 20%
3. AXA Group: 19%
4. Vienna Insurance Group AG: 18%
5. Zurich Insurance Group: 15%
6. Munich Re: 12%
7. Talanx Group: 10%
8. UNIQA Insurance Group: 8%
9. Baloise Group: 5%
10. Helvetia Group: 4%

Vienna Insurance Group AG (VIG) holds a significant market share in the European insurance market, especially in Central and Eastern Europe. Its economic moat mainly consists of its strong regional presence and extensive network in these markets, giving it a competitive advantage.

Compared to larger competitors like Allianz and Generali, which have a broader global presence and more diversified product portfolios, VIG's economic moat is less pronounced. These companies often have better access to capital and can benefit from economies of scale.

Nevertheless, through its specialization in specific geographic markets and expertise in these regions, VIG has a strategic advantage that keeps it competitive in its niche. To strengthen its economic moat, VIG could focus more on digitization and innovative insurance products in the future.

Revenue Growth: 6.5% (2024) Profit Growth: 4.2% (2024) Return on Equity: 8.1% (2024) Combined Ratio: 95.2% (2024)

In 2024, Vienna Insurance Group AG achieved a revenue growth of 6.5%, attributed to a solid business performance in its core markets. The profit growth stands at 4.2%, indicating stable earnings and an efficient cost structure.

The return on equity of 8.1% demonstrates that the company effectively utilizes its equity to generate profits. A combined ratio of 95.2% suggests that the insurance operations are profitable, as values below 100% indicate that premium income exceeds claims payments and operating expenses.

Overall, Vienna Insurance Group AG exhibits stable financial performance with solid growth and efficient resource utilization. These factors could make the stock an attractive investment, especially for investors interested in a stable insurance company with a strong market position.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Continuous payout for several years

Vienna Insurance Group AG is known for its reliable dividend policy. In recent years, the company has regularly distributed dividends, indicating a stable financial foundation and a solid business model.

A dividend yield of approximately 4.5% is expected for the year 2025. This estimate is based on the company's past dividend policy and current financial forecasts. The continuous payouts in the past suggest that Vienna Insurance Group AG will also strive to offer attractive dividends to its shareholders in the future.