UNIQA Insurance Group AG/€UQA
1D1W1MYTD1Y5YMAX
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
€5.6B
12.42
€1.47
0.57
€0.72
3.95%
Price and volume
Market cap
€5.6B
Beta
0.57
52-week high
€18.90
52-week low
€12.16
Average daily volume
115K
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)
12.422
Price to revenue (TTM)
0.706
Price to book
1.71
Price to tangible book (TTM)
2.63
Price to free cash flow (TTM)
5.05
Free cash flow yield (TTM)
19.80%
Free cash flow per share (TTM)
3.612
Dividend yield (TTM)
3.95%
Forward dividend yield
3.95%
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
UNIQA delivered strong first-half growth: premiums rose 12.0%, earnings before tax increased 10.5% and net profit rose 11.1%. Management kept its 2026 earnings-before-tax target of €540m–€570m, suggesting confidence that the momentum can continue. (UNIQA Insurance Group AG)
The balance sheet gives UNIQA room to absorb shocks and invest for growth. Its first-half solvency ratio was a strong 271%, while return on equity reached 16.3% and the net combined ratio remained favourable at 91.6%. (UNIQA Insurance Group AG)
Shareholders are receiving a growing income stream while the business expands. UNIQA’s AGM approved a 20% increase in the 2025 dividend to €0.72 per share, and management continues to target a 50%–60% payout ratio with progressive dividends. (UNIQA Insurance Group AG, UNIQA Insurance Group AG)
The quality of underwriting profit is not yet fully proven. The first-half 91.6% combined ratio benefited from a 3.9 percentage-point run-off gain that management expects to fade, while the overall technical result fell 4.9% despite strong premium growth. (Die Presse, Simply Wall St)
Second-half earnings remain exposed to weather and financial-market shocks. Management says roughly three-quarters of weather-related claims historically occur in the second half and has warned of greater market volatility, making the 2026 profit target dependent on no unusually large catastrophe or investment losses. (Die Presse, UNIQA Insurance Group AG)
UNIQA’s Central and Eastern European growth plan faces a tougher backdrop. The company expects slower insurance-market growth in the region and stronger competition in corporate business, which could make its medium-term premium and earnings targets harder to achieve. (MarketScreener)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.
Upcoming events
No upcoming events
Funds containing UQA
AllEURGBPUSD
Fund name | Fund size | €UQA weighting |
|---|---|---|
iShares ATX€EXXX | €171M | 2.41% |
Xtrackers MSCI Europe Small Cap€DX2J | €3.2B | 0.15% |
Xtrackers MSCI Europe Small Cap£XXSC | £2.8B | 0.15% |
L&G Global Quality Dividends£LDGG | £279M | 0.05% |
iShares MSCI World Small Cap$WSML | $9B | 0.03% |
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