(UQA) UNIQA Insurance - VI
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: VI (Austria) | Market Cap: 5.489m EUR | Total Return: 60.8% in 12m
Avg Turnover: 2.68M
Qual. Beats: 1
Rev. Trend: 96.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Idiosyncratic Leader, Confidence
UNIQA Insurance Group AG is a Vienna-based multi-line insurer providing life, health, property, and casualty coverage across Austria and Central and Eastern Europe. Founded in 1811, the company utilizes a diversified distribution strategy involving direct sales, brokers, and banking partnerships. The business operates through three primary segments: UNIQA Austria, UNIQA International, and Reinsurance.
As a multi-line insurer, UNIQA benefits from diversified revenue streams that help mitigate underwriting risks associated with specific catastrophic events or economic cycles. The company’s significant presence in Central and Eastern Europe positions it in markets where insurance penetration rates historically trail Western European averages, offering long-term structural growth potential. For a deeper dive into these regional growth drivers, ValueRay provides additional analytical tools.
The company maintains a comprehensive product portfolio ranging from standard motor and household insurance to specialized marine, aviation, and workers compensation policies. This broad service offering allows the firm to capture market share across both retail and corporate client bases in its core geographic territories.
- Central and Eastern Europe expansion drives premium growth and market share
- Net interest income volatility linked to European Central Bank rate cycles
- Property and casualty margins impacted by severe weather event claims
- Solvency II ratio stability supports consistent dividend payout policy
| Net Income: 371.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.43 > 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 (-571.3m) to EBITDA (1.21b): -0.47 < 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: 21.71% > 50% (prev 21.01%; Δ 0.70% > 0%) |
| Interest Coverage Ratio: 18.87 > 6 (EBIT TTM 838.2m / Interest Expense TTM 44.4m) |
As of June 20, 2026, the stock is trading at EUR 17.16 with a total of 192,460 shares traded.
Over the past week, the price has changed by +1.25%,
over one month by +7.45%,
over three months by +21.47% and
over the past year by +60.79%.
UNIQA Insurance has no consensus analysts rating.
P/E Trailing = 12.9565
P/E Forward = 6.7613
P/S = 0.7133
P/B = 1.7674
P/EG = 0.087
Revenue TTM = 6.25b EUR
EBIT TTM = 838.2m EUR
EBITDA TTM = 1.21b EUR
Long Term Debt = 1.31b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 88.5m EUR (Leases only: 88.5m)
Net Debt = -571.3m EUR (calculated: Debt 88.5m - CCE 659.8m)
Enterprise Value = 4.92b EUR (5.49b + Debt 88.5m - CCE 659.8m)
Interest Coverage Ratio = 18.87 (Ebit TTM 838.2m / Interest Expense TTM 44.4m)
EV/FCF = 5.84x (Enterprise Value 4.92b / FCF TTM 841.7m)
FCF Yield = 17.12% (FCF TTM 841.7m / Enterprise Value 4.92b)
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 = 0.17 (Enterprise Value 4.92b / Total Assets 29.0b)
Interest Expense / Debt = 50.21% (Interest Expense 44.4m / Debt 88.5m)
Taxrate = 24.29% (118.5m / 488.0m)
NOPAT = 634.6m (EBIT 838.2m * (1 - 24.29%))
Current Ratio = unknown (Total Current Assets 14.0b / Total Current Liabilities none)
Debt / Equity = 0.03 (Debt 88.5m / totalStockholderEquity, last quarter 3.06b)
Debt / EBITDA = -0.47 (Net Debt -571.3m / EBITDA 1.21b)
Debt / FCF = -0.68 (Net Debt -571.3m / FCF TTM 841.7m)
Total Stockholder Equity = 2.92b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.29% (Net Income 371.0m / Total Assets 29.0b)
RoE = 12.69% (Net Income TTM 371.0m / Total Stockholder Equity 2.92b)
RoCE = 19.81% (EBIT 838.2m / Capital Employed (Equity 2.92b + L.T.Debt 1.31b))
RoIC = unknown (NOPAT 634.6m, Invested Capital 0.0, EBIT 838.2m)
WACC = 7.05% (E(5.49b)/V(5.58b) * Re(7.16%) + (debt cost/tax rate unavailable))
Discount Rate = 7.16% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 13.07 | Cagr: -0.59%
[DCF] Terminal Value 77.97% ; FCFF base≈673.1m ; Y1≈771.6m ; Y5≈1.14b
[DCF] Fair Price = 57.53 (EV 17.1b - Net Debt -571.3m = 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=1.55 | Chg30d=+8.33% | Revisions=+20% | GrowthEPS=+12.2% | GrowthRev=+5.8%
EPS next Year (2027-12-31): EPS=1.63 | Chg30d=+1.76% | Revisions=+20% | GrowthEPS=+5.5% | GrowthRev=+6.1%
[Analyst] Revisions Ratio: +20%