Where the group operates
By market
Line mix
Premium over time
Group premium
What drove the growth
Profit and return on equity
Net profit by year
Companies that report profit
Solvency of the companies
Combined ratio against the market
company its market 100%
Against the largest groups
Listed shares
ERGO belongs to Munich Re, whose shares trade on Xetra (Frankfurt) as MUV2. Share price and market value at each year end, as Munich Re publishes them; a dash where it does not. No live price: exchanges license their data. Investor relations →
| Year | Share price | Market value |
|---|---|---|
| 2025 | €562.20 | €73.4bn |
| 2024 | €487.10 | €65.2bn |
| 2023 | €375.10 | €51.2bn |
| 2022 | €304.00 | €42.6bn |
| 2021 | €260.50 | €36.5bn |
Sources: Munich Re equity story, August 2026.
Companies
Each company in its own market. Solvency is the SCR ratio; * outside Solvency II (Serbia, Montenegro, Bosnia and Herzegovina, North Macedonia, Albania, Kosovo* and Moldova): local solvency margin; their combined ratios come from the insurers' whole-company figures (approximate loss ratio where expenses are not published) and are not comparable with the Solvency II markets. With a line selected, premium, share, rank and growth are the company's in that line; solvency, combined ratio, net profit and life share stay the whole company's. The combined ratio is after reinsurance (≈ an estimate; marked gross where a company publishes none); net profit after tax is from each company's own accounts.
| Company | Market | Premium | Share in market | Rank |
|---|---|---|---|---|
| ERGO Hestia | Poland | 2,307.5 | 10.9% | #4 of 45 |
| ERGO Hestia Życie | Poland | 171.4 | 0.8% | #19 of 45 |
| ERGO Insurance (branch) | Lithuania | 157.8 | 9.1% | #3 of 18 |
| ERGO Insurance | Estonia | 78.8 | 11.6% | #4 of 18 |
| ERV Evropská pojišťovna | Czechia | 57.3 | 0.7% | #15 of 22 |
| ERGO Life (branch) | Latvia | 52.5 | 6.2% | #6 of 17 |
| ERGO Insurance (branch) | Latvia | 46.6 | 5.5% | #9 of 17 |
| ERGO Life Insurance | Lithuania | 35.4 | 2.0% | #13 of 18 |
| D.A.S. právní ochrana (branch) | Czechia | 19.9 | 0.2% | #21 of 22 |
| ERGO Life (branch) | Estonia | 9.5 | 1.4% | #15 of 18 |