UQA Stock Analysis: UNIQA Insurance | VI
Insurance - Diversified | VI, Austria | Market Cap: 5.225m EUR | 12M Return: 55.7% | AT0000821103 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.01M
Qual. Beats: 1
Rev. Trend: 96.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
UNIQA Insurance Group AG is an Austrian-headquartered multi-line insurance company operating in Austria and Central and Eastern Europe through three segments: UNIQA Austria, UNIQA International, and Reinsurance. Founded in 1811 and based in Vienna, the company serves both life and non-life insurance markets across the region.
The company offers a diversified product portfolio covering life, health, property, casualty, household, fire, motor vehicle, liability, medical expense, income protection, workers compensation, marine, aviation, and transport insurance, distributed through a sales force, general agencies, brokers, banks, and direct sales channels. Multi-line insurers typically generate revenue from a combination of insurance premiums and investment returns on policyholder reserves, while the Reinsurance segment allows the transfer of portions of underwriting risk to other carriers. The Central and Eastern European region has historically attracted expansion from Western European insurers because insurance density and penetration rates in those markets remain below Western European levels.
The company was previously known as UNIQA Versicherungen AG and adopted its current name in July 2013.
- CEE premium growth accelerates UNIQA International segment expansion
- Combined ratio improvement lifts underwriting margin profitability
- Higher rates boost investment income on insurance reserves
| Net Income: 371.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.31 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.04 > 3% & CFO 1.14b > Net Income 371.0m |
| Net Debt (-623.7m) to EBITDA (1.21b): -0.51 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (307.0m) vs 12m ago 0.0% < -2% |
| Gross Margin: 93.98% > 18% (prev 124.0%; Δ -30.01% > 0.5%) |
| Asset Turnover: 21.23% > 50% (prev 20.95%; Δ 0.28% > 0%) |
| Interest Coverage Ratio: 18.87 > 6 (EBIT TTM 838.2m / Interest Expense TTM 44.4m) |
As of October 09, 2026, the stock is trading at EUR 16.72 with a total of 185,657 shares traded. Over the past week, the price has changed by +3.50%, over one month by -0.22%, over three months by +10.08% and over the past year by +55.70%.
Current recommended Stop Loss: 15.80 (which is 5.5% or 2 ATR below the current price).
UNIQA Insurance has no consensus analysts rating.
P/E Trailing = 11.6575
P/E Forward = 6.7613
P/S = 0.6591
P/B = 1.7338
P/EG = 0.087
Revenue TTM = 6.25b EUR
EBIT TTM = 838.2m EUR
EBITDA TTM = 1.21b EUR
Long Term Debt = 1.69b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 87.9m EUR (Leases only: 87.9m)
Net Debt = -623.7m EUR (calculated: Debt 87.9m - CCE 711.6m)
Enterprise Value = 4.60b EUR (5.22b + Debt 87.9m - CCE 711.6m)
Interest Coverage Ratio = 18.87 (Ebit TTM 838.2m / Interest Expense TTM 44.4m)
EV/FCF = 5.47x (Enterprise Value 4.60b / FCF TTM 841.7m)
FCF Yield = 18.30% (FCF TTM 841.7m / Enterprise Value 4.60b)
FCF Margin = 13.47% (FCF TTM 841.7m / Revenue TTM 6.25b)
Net Margin = 5.93% (Net Income TTM 371.0m / Revenue TTM 6.25b)
Gross Margin = 93.98% ((Revenue TTM 6.25b - Cost of Revenue TTM 376.3m) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.15 (Enterprise Value 4.60b / Total Assets 30.3b)
Interest Expense / Debt = 50.54% (Interest Expense 44.4m / Debt 87.9m)
Taxrate = 24.29% (118.5m / 488.0m)
NOPAT = 634.6m (EBIT 838.2m * (1 - 24.29%))
Current Ratio = unknown (Total Current Assets 14.4b / Total Current Liabilities none)
Debt / Equity = 0.03 (Debt 87.9m / totalStockholderEquity, last quarter 3.28b)
Debt / EBITDA = -0.51 (Net Debt -623.7m / EBITDA 1.21b)
Debt / FCF = -0.74 (Net Debt -623.7m / FCF TTM 841.7m)
Total Stockholder Equity = 3.07b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.26% (Net Income 371.0m / Total Assets 30.3b)
RoE = 12.10% (Net Income TTM 371.0m / Total Stockholder Equity 3.07b)
RoCE = 17.62% (EBIT 838.2m / Capital Employed (Equity 3.07b + L.T.Debt 1.69b))
RoIC = unknown (NOPAT 634.6m, Invested Capital 0.0, EBIT 838.2m)
WACC = 6.73% (E(5.22b)/V(5.31b) * Re(6.84%) + (debt cost/tax rate unavailable))
Discount Rate = 6.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 25.82 | Cagr: -0.59%
[DCF] Terminal Value 77.97% ; FCFF base≈673.1m ; Y1≈771.6m ; Y5≈1.14b
[DCF] Fair Price = 57.70 (EV 17.1b - Net Debt -623.7m = Equity 17.7b / Shares 307.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.88 | # QB: 1
Revenue Correlation: 96.23 | Revenue CAGR: 7.89% | SUE: -0.47 | # QB: 0
EPS current Year (2026-12-31): EPS=1.61 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+16.7% | GrowthRev=+6.0%
EPS next Year (2027-12-31): EPS=1.64 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+2.1% | GrowthRev=+6.3%
[Analyst] Revisions Ratio: +40% (up=2, down=0)