UNIQA Insurance Group AG

UNIQA Insurance Group AG

407.40
CZK
-4.40
(-1.07%)
3.16EPS
50.92P/E
48.48BMarket Cap
Mar 11Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
24.43
20.23
17.55
16.35
16.97
17.68
18.22
18.53
21.36
11.2
16.59
18.58
19.31
2.55
Basic EPS, GAAP
1.21
0.94
1.09
0.48
0.56
0.79
0.56
0.06
1.03
0.83
0.99
1.13
1.38
0.12
Free Cash Flow per Basic Share
2.67
5.06
0.48
3.17
1.54
-0.02
0.62
-0.25
1.24
-2.76
0.66
1.37
2.74
- -
Dividend per Share
0.23
0.35
0.42
0.47
0.5
0.52
0.54
0.18
0.19
0.55
0.55
0.58
0.6
- -
Book Value per Share
8.97
9.96
10.2
10.32
10.29
9.68
10.97
11.24
8.27
6.14
8.83
9.41
9.98
10.7
Tangible Book Value per Share
7.23
8.27
8.61
9.16
9
8.16
9.46
8.04
5.36
3.07
5.55
6.12
6.23
5.35
Basic Weighted Avg Shares
235
308
308
308
307
307
307
307
307
307
307
307
307
2,181
Sales/Revenue/Turnover
5,747
6,234
5,408
5,038
5,209
5,427
5,593
5,687
6,556
3,439
5,092
5,702
5,928
5,565
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
7
32
18
26
5
3
114
192
148
91
119
126
143
4
Net Income, GAAP
285
290
337
148
172
243
171
19
315
256
303
348
425
254
Effective Tax Rate (%)
22.67
22.51
20.18
10.11
17.82
20.19
24.54
57.44
16.84
6.22
24.21
21.2
18.03
19.88
Profit Margin (%)
4.95
4.65
6.23
2.94
3.3
4.48
3.06
0.34
4.8
7.44
5.94
6.1
7.17
4.56
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
600
600
1,111
884
887
886
943
1,754
1,058
1,741
1,579
1,579
1,383
977
Total Equity
2,785
3,088
3,166
3,197
3,249
2,987
3,387
3,475
2,556
1,901
2,730
2,941
3,165
3,308
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
10.43
8.93
9.38
4.96
4.94
7.33
5.07
0.88
9.56
8.39
8.55
8.65
10.18
6.96
Return on Common Equity (%)
11.92
9.94
10.85
4.69
5.43
7.94
5.39
0.57
10.51
11.58
13.18
12.42
14.27
7.87

Capital Structure

EUR

•

in mil. unless spec.
Sep'19
Dec'19
Jun'20
ST Debt
- -
5
- -
LT Borrowings
934
886
977
LT Finance Leases
- -
58
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
307
307
307
Market Capitalization
2,595
2,710
1,820

Working Capital

EUR

•

in mil. unless spec.
Sep'19
Dec'19
Jun'20
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18,763
18,382
18,380
Accounts Receivable, Net
547
547
699
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
5
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1.74%
1.37%
7.59%
Free Cash Flow
-464.8%
-166.08%
100.36%
Net Income, GAAP
144.15%
311.68%
22.21%
Sales/Revenue/Turnover
3.72%
6.35%
3.96%
Total Cash Common Dividend
16.08%
40.27%
3.99%

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
5,702
2025
- -
- -
5,928
2026
- -
- -
- -

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
1.13
2025
- -
- -
1.38
2026
- -
- -
- -

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.58
2025
- -
- -
0.6
2026
- -
- -
- -

Company Description

CEO
Andreas Brandstetter
Full Time Employees
15,866
Sector
Finance
Industry
Multi-line insurance
Address
Untere Donaustrasse 21 Vienna WI Austria 1029
IPO Date
Nov 8, 1999
Business
UNIQA Insurance Group AG UNIQA Insurance Group AG operates as a leading holding company engaged in providing a broad range of insurance products and services to private and corporate customers, primarily through its segments of UNIQA Austria, UNIQA International, and Reinsurance. The company offers property and casualty insurance including motor, household, fire, liability, and property coverage for individuals and businesses; life insurance products encompassing savings, risk, and pension plans; health insurance services such as private medical care, telemedicine, and preventive diagnostics; and reinsurance solutions via UNIQA Re AG in Zurich. It distributes these offerings through diverse channels including hired sales forces, general agencies, brokers, banks, and direct sales, targeting retail, commercial, and bancassurance customers across its core markets in Austria—where it holds a 21 percent market share—and Central and Eastern Europe (CEE) spanning 11 countries including Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Montenegro, Poland, Serbia, Slovakia, and Slovenia, with additional presence in Liechtenstein, Switzerland, Germany, and Italy. Founded in 1811 with roots in Salzburger Landes-Versicherung and headquartered at Untere Donaustraße 21 in Vienna, Austria, UNIQA Insurance Group AG employs over 20,000 people and serves more than 17 million customers, supported by strategic partnerships such as its preferred alliance with Raiffeisen Bank International AG subsidiaries in Eastern Europe. In recent developments, the company launched its “UNIQA 3.0 – Growing Impact” strategy in December 2024 targeting 5 percent annual premium growth through 2028, enhanced digitalization including the myUNIQA business portal and telemedical platforms, and healthcare expansions via subsidiary Mavie Med such as acquisitions of Wörgl Private Hospital and new medical centers in Upper Austria, Salzburg, and Tyrol. It introduced innovative products like the modular “Auto & Frei” car insurance and formed UNIQA Sustainable Business Solutions in 2024 for risk management and ESG services; completed the sale of its Russian subsidiary Raiffeisen Life in October 2024 and announced divestitures of operations in Albania, Kosovo, and North Macedonia expected in 2025 to sharpen focus on core CEE markets; and received an “A–” rating confirmation from S&P in 2025 alongside a climate transition plan for net-zero emissions by 2050.