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Vienna Insurance Group (VIG) investor relations material
Vienna Insurance Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary27 Aug, 2025
Executive summary
Achieved strong half-year results with gross written premiums of €8.57bn, up 8.7% year-over-year, and insurance service revenues of €6.4bn, up 8.1%.
Profit before tax rose 10.5% to €531.4m, despite a goodwill impairment in Hungary; earnings per share increased 10% to €5.92.
Net combined ratio improved to 91.9%, driven by lower weather-related claims and better cost ratio.
Announced exclusive due diligence for NÜRNBERGER in Germany and won a tender for Moldasig in Moldova, aiming for market leadership.
Developing a new strategy programme for 2026–2028, with details to be released in upcoming updates.
Financial highlights
Net profit after taxes and non-controlling interests increased 10% to €386.7m year-over-year.
Earnings per share annualised at €5.92, up 10% from €5.38.
Total capital investment result increased 32.5%, benefiting from higher interest rates and increased fixed-income investments in Türkiye.
Book value per share at half-year was €47.26; market cap at €5.59bn, share price up 44% in H1 2025.
Contractual service margin (CSM) increased 8.9% to €6bn.
Outlook and guidance
Confident to reach the upper end of the €950m–€1bn year-end profit target range for FY 2025.
Dividend policy unchanged; at least the same as last year, with potential for increase if profits rise.
Maintains a conservative approach to guidance due to ongoing macroeconomic and geopolitical uncertainties.
NÜRNBERGER strategic rationale?
Hungary impairment: Any future impact expected?
Türkiye: What impacts profit despite strong growth?
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Next Vienna Insurance Group earnings date
Q3 202525 Nov, 2025
Next Vienna Insurance Group earnings date
Q3 202525 Nov, 2025
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Frequently asked questions
Vienna Insurance Group AG (VIG) is a prominent insurance provider based in Austria. The company specializes in a wide range of insurance products, including life, health, and property & casualty insurance. VIG operates through numerous subsidiaries across Central and Eastern Europe, providing a comprehensive suite of insurance solutions to individuals and corporate clients. The company's business strategy focuses on regional diversification and tailored insurance services that meet the specific needs of various markets within its operational footprint. The company is headquartered in Vienna, Austria, and its shares are listed on the Vienna Stock Exchange.
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