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VIE/AGS (VIE/AGS)

Vienna Stock Exchange: VIE/AGS · EUR

€75.2

-0.20 (-0.3%)· Recorded snapshot

Market cap	15.8B
Revenue (ttm)	10.6B
Net income (ttm)	1.9B
EPS (ttm)	€9.67
P/E (trailing)	7.8x
P/E (forward)	8.3x
Dividend	€2.63 (3.49%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 10.6B
Net income (ttm): 1.9B
EPS (ttm): €9.67
P/E (trailing): 7.8x
P/E (forward): 8.3x
Market cap: 15.8B

Metric	Value
Amount currency	EUR
Country	Belgium
Country code	AT
Earnings date	2026-11-06
Employees	19,958
Employees change	3,673
Employees growth	21.45%
Enterprise value	EUR 23.7B
Exchange	Vienna Stock Exchange
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1824
Industry	Insurance - Diversified
Is primary listing	No
ISIN number	BE0974264930
Last earnings date	2026-08-27
Last refreshed	2026-10-29
Market cap	EUR 15.8B
Next earnings date	2026-11-06
Price	EUR 75.20
Price currency	EUR
Sector	Financials
SIC code	6311
Stock price date	2026-10-28
Symbol	vie/AGS
Website	https://www.ageas.com

Metric

Value

Amount currency

EUR

Country

Belgium

Country code

Earnings date

2026-11-06

Employees

19,958

Employees change

3,673

Employees growth

21.45%

Enterprise value

EUR 23.7B

Exchange

Vienna Stock Exchange

Financial currency

EUR

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1824

Industry

Insurance - Diversified

Is primary listing

ISIN number

BE0974264930

Last earnings date

2026-08-27

Last refreshed

2026-10-29

Market cap

EUR 15.8B

Next earnings date

2026-11-06

Price

EUR 75.20

Price currency

EUR

Sector

Financials

SIC code

6311

Stock price date

2026-10-28

Symbol

vie/AGS

Website

https://www.ageas.com

Metric	Value
Average P/E ratio (10Y)	16.58x
Average P/E ratio (3Y)	7.62x
Average P/E ratio (5Y)	7.89x
Earnings yield	12.87%
EV/Earnings	12.59x
EV/EBIT	10.18x
EV/EBITDA	8.63x
EV/FCF	7.45x
EV/Sales	2.23x
FCF / EV yield	13.43%
FCF yield	20.16%
Forward P/E	8.27x
Graham number	105.18088
Graham upside	39.87%
Lynch fair value	EUR 179.02
Lynch upside	138.06%
P/(FCF - SBC) ratio	4.98x
P/(OCF - SBC) ratio	4.59x
P/B ratio	1.37x
P/E ratio	7.77x
P/FCF ratio	4.96x
P/OCF ratio	4.58x
P/S ratio	1.48x
Price / tangible book value	2.69x
Price/EBITDA ratio	12.66x
Sector forward P/E	9.57x
Sector P/E	10.92x

Metric

Value

Average P/E ratio (10Y)

16.58x

Average P/E ratio (3Y)

7.62x

Average P/E ratio (5Y)

7.89x

Earnings yield

12.87%

EV/Earnings

12.59x

EV/EBIT

10.18x

EV/EBITDA

8.63x

EV/FCF

7.45x

EV/Sales

2.23x

FCF / EV yield

13.43%

FCF yield

20.16%

Forward P/E

8.27x

Graham number

105.18088

Graham upside

39.87%

Lynch fair value

EUR 179.02

Lynch upside

138.06%

P/(FCF - SBC) ratio

4.98x

P/(OCF - SBC) ratio

4.59x

P/B ratio

1.37x

P/E ratio

7.77x

P/FCF ratio

4.96x

P/OCF ratio

4.58x

P/S ratio

1.48x

Price / tangible book value

2.69x

Price/EBITDA ratio

12.66x

Sector forward P/E

9.57x

Sector P/E

10.92x

Metric	Value
EBIT margin	8.76%
EBITDA margin	11.71%
Effective tax rate	11.39%
FCF margin	29.89%
Gross margin	27.24%
Operating margin	8.76%
Pretax margin	21.61%
Profit margin	17.67%
Profit per employee	EUR 94,248
Profitable quarters	28
Profitable years	14
Revenue per employee	EUR 533,270
ROA	0.56%
ROA (5Y)	0.6%
ROCE	0.89%
ROE	19.75%
ROE (5Y)	13.43%
ROIC	4.03%
ROIC (5Y)	4.9%
SBC / revenue	0.12%
Tax / revenue	2.46%

Metric

Value

EBIT margin

8.76%

EBITDA margin

11.71%

Effective tax rate

11.39%

FCF margin

29.89%

Gross margin

27.24%

Operating margin

8.76%

Pretax margin

21.61%

Profit margin

17.67%

Profit per employee

EUR 94,248

Profitable quarters

Profitable years

Revenue per employee

EUR 533,270

ROA

0.56%

ROA (5Y)

0.6%

ROCE

0.89%

ROE

19.75%

ROE (5Y)

13.43%

ROIC

4.03%

ROIC (5Y)

4.9%

SBC / revenue

0.12%

Tax / revenue

2.46%

Metric	Value
EPS growth	54.77%
EPS growth (Q)	17.26%
EPS growth (QoQ)	-20.9%
EPS growth 10Y	24.48%
EPS growth 3Y	21.25%
EPS growth 5Y	19.14%
EPS growth years	2
FCF growth	101.71%
FCF growth (Q)	39.83%
FCF growth (QoQ)	7.77%
FCF growth 3Y	89.16%
Net income growth	63.14%
Net income growth (Q)	24.96%
Net income growth (QoQ)	-18.26%
Net income growth 3Y	23.57%
Net income growth 5Y	19.97%
Net income growth years	2
OCF growth	88.67%
OCF growth (Q)	43.43%
OCF growth (QoQ)	10.95%
OCF growth 3Y	82.51%
Revenue growth	23.53%
Revenue growth (Q)	27.48%
Revenue growth (QoQ)	12.24%
Revenue growth 10Y	-2.48%
Revenue growth 3Y	5.56%
Revenue growth 5Y	-4.09%
Revenue growth quarters	6
Revenue growth years	3

Metric

Value

EPS growth

54.77%

EPS growth (Q)

17.26%

EPS growth (QoQ)

-20.9%

EPS growth 10Y

24.48%

EPS growth 3Y

21.25%

EPS growth 5Y

19.14%

EPS growth years

FCF growth

101.71%

FCF growth (Q)

39.83%

FCF growth (QoQ)

7.77%

FCF growth 3Y

89.16%

Net income growth

63.14%

Net income growth (Q)

24.96%

Net income growth (QoQ)

-18.26%

Net income growth 3Y

23.57%

Net income growth 5Y

19.97%

Net income growth years

OCF growth

88.67%

OCF growth (Q)

43.43%

OCF growth (QoQ)

10.95%

OCF growth 3Y

82.51%

Revenue growth

23.53%

Revenue growth (Q)

27.48%

Revenue growth (QoQ)

12.24%

Revenue growth 10Y

-2.48%

Revenue growth 3Y

5.56%

Revenue growth 5Y

-4.09%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	EUR -266M
EBIT	EUR 932M
EBITDA	EUR 1.2B
EPS	EUR 9.67
Financing cash flow	EUR -862M
Free cash flow	EUR 3.2B
Free cash flow minus SBC	EUR 3.2B
Gross profit	EUR 2.9B
Income taxes	EUR 262M
Investing cash flow	EUR -3.8B
Net borrowing	EUR 693M
Net cash flow	EUR -1.2B
Net income	EUR 1.9B
Operating cash flow minus SBC	EUR 3.4B
Operating income	EUR 932M
Revenue	EUR 10.6B
Stock-based compensation	EUR 13M

Metric

Value

Capital expenditures

EUR -266M

EBIT

EUR 932M

EBITDA

EUR 1.2B

EPS

EUR 9.67

Financing cash flow

EUR -862M

Free cash flow

EUR 3.2B

Free cash flow minus SBC

EUR 3.2B

Gross profit

EUR 2.9B

Income taxes

EUR 262M

Investing cash flow

EUR -3.8B

Net borrowing

EUR 693M

Net cash flow

EUR -1.2B

Net income

EUR 1.9B

Operating cash flow minus SBC

EUR 3.4B

Operating income

EUR 932M

Revenue

EUR 10.6B

Stock-based compensation

EUR 13M

Metric	Value
Book value per share	EUR 48.86
Debt / EBITDA	6.68
Debt / equity	0.78
Debt / FCF	2.83
Interest coverage	3.27
Net cash (debt)	EUR -6.6B
Net cash / market cap	-42.01%
Net debt / EBITDA	5.32
Net debt / equity	0.58
Net debt / FCF	2.08
Piotroski F-Score	5
Property, plant and equipment	EUR 3.1B
Shareholders' equity	EUR 11.5B
Tangible book value	EUR 5.9B
Tangible book value per share	EUR 27.98
Total assets	EUR 109.8B
Total cash	EUR 27.4B
Total debt	EUR 9B
Total liabilities	EUR 98.3B

Metric

Value

Book value per share

EUR 48.86

Debt / EBITDA

6.68

Debt / equity

0.78

Debt / FCF

2.83

Interest coverage

3.27

Net cash (debt)

EUR -6.6B

Net cash / market cap

-42.01%

Net debt / EBITDA

5.32

Net debt / equity

0.58

Net debt / FCF

2.08

Piotroski F-Score

Property, plant and equipment

EUR 3.1B

Shareholders' equity

EUR 11.5B

Tangible book value

EUR 5.9B

Tangible book value per share

EUR 27.98

Total assets

EUR 109.8B

Total cash

EUR 27.4B

Total debt

EUR 9B

Total liabilities

EUR 98.3B

Metric	Value
Asset turnover	0.1
Current ratio	6.02
Net working capital	EUR 26.5B
Quick ratio	5.16
Working capital	EUR 26.7B

Metric

Value

Asset turnover

0.1

Current ratio

6.02

Net working capital

EUR 26.5B

Quick ratio

5.16

Working capital

EUR 26.7B

Metric	Value
Buyback yield / dilution	-5.36%
Dividend growth	7.14%
Dividend growth (3Y)	7.72%
Dividend growth (5Y)	-5.7%
Dividend growth years	2
Dividend payment date	2026-06-05
Dividend payment years	10
Dividend payout frequency	Semi-Annual
Dividend per share	EUR 2.63
Dividend yield	3.49%
Ex-dividend date	2026-06-03
Last dividend	EUR 1.58
Payout ratio	40.56%
Shareholder yield	-1.87%

Metric

Value

Buyback yield / dilution

-5.36%

Dividend growth

7.14%

Dividend growth (3Y)

7.72%

Dividend growth (5Y)

-5.7%

Dividend growth years

Dividend payment date

2026-06-05

Dividend payment years

Dividend payout frequency

Semi-Annual

Dividend per share

EUR 2.63

Dividend yield

3.49%

Ex-dividend date

2026-06-03

Last dividend

EUR 1.58

Payout ratio

40.56%

Shareholder yield

-1.87%

Metric	Value
150-day SMA	EUR 70.59
1D price change	-0.27%
1M price change	0.67%
1M total return	0.67%
1W price change	1.83%
1W total return	1.83%
1Y price change	29.43%
1Y return CAGR	35.05%
1Y total return	35.02%
20-day SMA	EUR 73.63
200-day SMA	EUR 68.21
3M price change	4.74%
3M total return	4.74%
3Y price change	90.43%
3Y return CAGR	29.99%
3Y total return	119.7%
50-day SMA	EUR 74.36
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 76.90
52-week high date	2026-09-17
52-week low	EUR 56.15
52-week low date	2025-12-04
5Y price change	77.65%
5Y return CAGR	17.67%
5Y total return	125.55%
6M price change	11.16%
6M total return	13.88%
All-time high	EUR 76.90
All-time high date	2026-09-17
All-time low	EUR 25.09
All-time low date	2020-03-23
Average true range (ATR)	EUR 0.89
Average volume	0
Change from 52-week high	-2.21%
Change from 52-week low	33.93%
Change from all-time high	-2.21%
Change from all-time low	199.72%
Change from open	0.2%
Day's gap	-0.46%
High price	EUR 75.35
Low price	EUR 75.05
Monthly RSI	82.76
Open price	EUR 75.05
Position in 52-week range	50%
Previous close	EUR 75.40
Price vs 150-day SMA	6.53%
Price vs 20-day SMA	2.14%
Price vs 200-day SMA	10.25%
Price vs 50-day SMA	1.13%
Relative volume	2,000
RSI	56.06
Sharpe ratio	1.49
Sharpe ratio (3Y)	1.38
Sharpe ratio (5Y)	0.64
Sortino ratio	2.67
Sortino ratio (3Y)	2.41
Sortino ratio (5Y)	1.18
Weekly RSI	61.83
YTD price change	25.44%
YTD total return	28.51%

Metric

Value

150-day SMA

EUR 70.59

1D price change

-0.27%

1M price change

0.67%

1M total return

0.67%

1W price change

1.83%

1W total return

1.83%

1Y price change

29.43%

1Y return CAGR

35.05%

1Y total return

35.02%

20-day SMA

EUR 73.63

200-day SMA

EUR 68.21

3M price change

4.74%

3M total return

4.74%

3Y price change

90.43%

3Y return CAGR

29.99%

3Y total return

119.7%

50-day SMA

EUR 74.36

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 76.90

52-week high date

2026-09-17

52-week low

EUR 56.15

52-week low date

2025-12-04

5Y price change

77.65%

5Y return CAGR

17.67%

5Y total return

125.55%

6M price change

11.16%

6M total return

13.88%

All-time high

EUR 76.90

All-time high date

2026-09-17

All-time low

EUR 25.09

All-time low date

2020-03-23

Average true range (ATR)

EUR 0.89

Average volume

Change from 52-week high

-2.21%

Change from 52-week low

33.93%

Change from all-time high

-2.21%

Change from all-time low

199.72%

Change from open

0.2%

Day's gap

-0.46%

High price

EUR 75.35

Low price

EUR 75.05

Monthly RSI

82.76

Open price

EUR 75.05

Position in 52-week range

50%

Previous close

EUR 75.40

Price vs 150-day SMA

6.53%

Price vs 20-day SMA

2.14%

Price vs 200-day SMA

10.25%

Price vs 50-day SMA

1.13%

Relative volume

2,000

RSI

56.06

Sharpe ratio

1.49

Sharpe ratio (3Y)

1.38

Sharpe ratio (5Y)

0.64

Sortino ratio

2.67

Sortino ratio (3Y)

2.41

Sortino ratio (5Y)

1.18

Weekly RSI

61.83

YTD price change

25.44%

YTD total return

28.51%

Metric	Value
Float	197.3M
Shares change (QoQ)	3.42%
Shares change (YoY)	5.36%
Shares held by institutions	46.61%

Metric

Value

Float

197.3M

Shares change (QoQ)

3.42%

Shares change (YoY)

5.36%

Shares held by institutions

46.61%

VIE/AGS (VIE/AGS)

Price

Financial snapshot

Fair-value bridge

Latest news · VIE/AGS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All VIE/AGS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on VIE/AGS

Frequently asked questions