VIB Vermögen AG risk profile
38 Normal where most of the sector sits
Measured 21 October 2026 from VIH1.DE's filed statements. Recomputed nightly.
38 (Normal), driven by Market expectation at 68, over 4 weighted categories on the GENERAL profile.
What is measured
| Mechanism | Reading | Band | Direction | Driver |
|---|---|---|---|---|
| Market expectation | 68 | Stretched | Stable | Drawdown from the 52-week high — 76.3% |
| Operating pressure | 36 | Normal | Easing | Operating-margin drift — -17.4 percentage points |
| Cash conversion | 25 | Normal | Worsening | Cash conversion — 1.07x |
| Leverage and coverage | Reads total_debt, cash_and_cash_equivalents, ebitda, interest_expense, total_current_assets, total_current_liabilities and a disclosed CET1 ratio, for a bank or insurer. No reading is stored for this company. | |||
| Competitive position | 22 | Normal | Worsening | Operating-margin gap against peers — +12.7 percentage points |
| Concentration | Reads identified supplier spend, customers above the 10% disclosure threshold and revenue by region. No reading is stored for this company. | |||
These are descriptive readings of disclosed mechanisms, not investment advice, and not a prediction. A band says where a measured input sits, never what to do about it or what happens next.