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Vienna Insurance Group (VIG) investor relations material
Vienna Insurance Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary25 Nov, 2025
Executive summary
Insurance service revenue rose 8.6% to EUR 9.7 billion, and profit before taxes increased 31% to EUR 872.8 million, driven by strong technical results and improved combined ratio.
Full-year 2025 profit before taxes guidance was raised to EUR 1.1–1.15 billion, reflecting robust business performance.
Combined ratio improved to 92.1%, mainly due to lower weather-related claims and operational efficiency.
Secured a 98.38% controlling stake in Nürnberger, marking the largest transaction in group history and supporting strategic expansion in Germany.
S&P affirmed A+ rating and upgraded outlook to positive, citing diversification and financial strength.
Financial highlights
Gross written premiums increased 8.6% to EUR 12.5 billion, with all business lines and segments contributing.
Solvency ratio reached 286% (own funds EUR 11,663 million; SCR EUR 4,083 million), reflecting strong capitalization.
Cost ratio improved to 29.9% and claims ratio to 62.2%.
Share price rose 54.4% year-to-date, closing at EUR 46.85 in November 2025, with a market cap of EUR 6.0 billion.
Weather-related claims dropped to EUR 160 million from EUR 338 million year-over-year due to absence of severe NatCat events.
Outlook and guidance
Management raised full-year 2025 profit before taxes guidance to EUR 1.1–1.15 billion.
New strategic program Evolve 28 for 2026–2028 targets long-term profitable growth, diversification, and operational excellence.
Financial targets for Evolve 28 to be approved in December 2025, with updates to follow after Nürnberger integration.
Future targets will include growth, profit, combined ratio, return on equity, and solvency ratio.
Nürnberger's role in VIG's biometric solutions strategy
Is combined ratio improvement sustainable long-term?
What drives Ukraine's exceptional premium growth?
Nurnberger's post-turnaround profitability
Evolve '28 growth drivers
Capital for CEE M&A opportunities
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Next Vienna Insurance Group earnings date
Q4 202528 Apr, 2026
Next Vienna Insurance Group earnings date
Q4 202528 Apr, 2026
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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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