UNIQA Insurance Group AG/€UQA
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About UNIQA Insurance Group AG
UNIQA Insurance Group AG is a major European insurance provider headquartered in Vienna, Austria. The company operates primarily in the insurance industry, offering a comprehensive range of products and services including life, health, and property insurance. It serves customers across multiple segments, focusing on both individual and corporate clients. Founded in 1999 through the merger of Austria Colonia and Bundesländer-Versicherung, UNIQA has established a strong presence in the Central and Eastern European markets. Its strategic positioning is bolstered by a broad geographic footprint, with key markets encompassing Austria and several neighboring countries within the region. The company distinguishes itself through a robust regional network and tailored insurance solutions designed to meet specific market needs.
- Ticker
- €UQA
- Sector
- Finance
- Primary listing
- VSE
- Employees
- 14,854
- Headquarters
- Vienna, Austria
- Website
- www.uniqagroup.com
UQA Metrics
BasicAdvanced
€5.4B
11.95
€1.47
0.57
€0.72
4.10%
Price and volume
Market cap
€5.4B
Beta
0.57
52-week high
€18.90
52-week low
€12.54
Average daily volume
127K
Dividend rate
€0.72
Financial strength
Current ratio
1,029.319
Quick ratio
933.043
Long term debt to equity
0.527
Total debt to equity
0.527
Dividend payout ratio (TTM)
48.94%
Interest coverage (TTM)
7.80%
Profitability
EBITDA (TTM)
476.563
Gross margin (TTM)
17.48%
Net profit margin (TTM)
5.69%
Operating margin (TTM)
4.37%
Effective tax rate (TTM)
17.81%
Revenue per employee (TTM)
€530,000
Management effectiveness
Return on assets (TTM)
0.74%
Return on equity (TTM)
13.74%
Valuation
Price to earnings (TTM)
11.952
Price to revenue (TTM)
0.68
Price to book
1.64
Price to tangible book (TTM)
2.53
Price to free cash flow (TTM)
4.859
Free cash flow yield (TTM)
20.58%
Free cash flow per share (TTM)
3.612
Dividend yield (TTM)
4.10%
Forward dividend yield
4.10%
Growth
Revenue change (TTM)
9.31%
Earnings per share change (TTM)
25.47%
3-year revenue growth (CAGR)
13.89%
10-year revenue growth (CAGR)
5.46%
3-year earnings per share growth (CAGR)
9.19%
10-year earnings per share growth (CAGR)
5.25%
3-year dividend per share growth (CAGR)
9.39%
10-year dividend per share growth (CAGR)
4.36%
Bulls say / Bears say
First-half premiums rose 12% to €4.9 billion, while pre-tax earnings increased 10.5% and net profit rose 11.1%; UNIQA maintained its €540–570 million full-year pre-tax guidance. Growth across Austria, Central and Eastern Europe and reinsurance gives the earnings base useful diversification. (UNIQA Investor Relations)
A 91.6% net combined ratio indicates underwriting remained profitable in the first half, and the 271% Solvency II ratio gives UNIQA a substantial capital buffer. That combination supports resilience and leaves room to fund growth. (UNIQA Investor Relations)
The dividend rose 20% to €0.72 per share for 2025, and UNIQA targets a 50–60% payout ratio with a progressive dividend. This offers shareholders a growing cash return if earnings hold up. (UNIQA Investor Relations)
The first-half technical result fell 4.9%, while the financial result doubled to €176 million and helped drive profit growth. That leaves earnings more exposed if capital-market contributions weaken. (UNIQA Investor Relations)
UNIQA warned that weather-related losses may rise and that a major catastrophe could affect results; management said it had set aside about €100 million for second-half catastrophe reserves. A severe event could still pressure earnings and put guidance at risk. (Investing.com)
The €500 million Tier 2 refinancing carries a 4.5% coupon for its first ten years and will create a one-off expense in 2026. The transaction strengthens capital, but the interest and upfront cost add to the earnings burden. (UNIQA Investor Relations)
Data summarised monthly by Lightyear AI. Last updated on 29 Oct 2026.
UQA Financial Performance
Revenues and expenses
UQA Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing UQA
AllEURUSDGBP
Fund name | Fund size | €UQA weighting |
|---|---|---|
iShares ATX€EXXX | €171M | 2.48% |
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.14% |
Xtrackers MSCI Europe Small Cap€DX2J | $3.6B | 0.14% |
L&G Global Quality Dividends£LDGG | $353M | 0.04% |
iShares MSCI World Small Cap£WLDS | $9B | 0.03% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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