Vienna Insurance Group AG (VNRFY)

Vienna Insurance Group AG (VNRFY) — VMCI valuation read

Across 120 indicators, Vienna Insurance Group AG (VNRFY) lands at VMCI 62/100. The Financial Services sector median is 50, so the 12-point above-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.

No material Form 4 disclosures landed on VNRFY in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.

**Investor frame.** On Value, VNRFY trades at 23.0x earnings, 28% above the Financial Services median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%). On Risk, net debt to EBITDA of 0.8x leaves covenant headroom for VNRFY on the trailing balance sheet.

VNRFY fell 3.6% over the trailing 7 days, with a -9.4% read on a 30-day basis.