View ValuationUNIQA Insurance Group 将来の成長Future 基準チェック /36UNIQA Insurance Group利益と収益がそれぞれ年間6.3%と3.9%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に13.9% 6.2%なると予測されています。主要情報6.3%収益成長率6.20%EPS成長率Insurance 収益成長0%収益成長率3.9%将来の株主資本利益率13.91%アナリストカバレッジLow最終更新日08 Jun 2026今後の成長に関する最新情報更新なしすべての更新を表示Recent updatesUpcoming Dividend • Jun 11Upcoming dividend of €0.72 per shareEligible shareholders must have bought the stock before 18 June 2026. Payment date: 22 June 2026. Payout ratio is a comfortable 52% and this is well supported by cash flows. Trailing yield: 4.2%. Lower than top quartile of Czech dividend payers (8.2%). Lower than average of industry peers (4.8%).お知らせ • Jun 10UNIQA Insurance Group AG Approves Dividend for the Financial Year 2025, Payable on 22 June 2026The 27 Annual General Meeting of UNIQA Insurance Group AG held on 9 June 2026, approved a dividend payment of 72 cents per dividend entitled share for the financial year 2025. Dividend payment is 22 June 2026 (value date to the custodian bank). Dividend payment will be made through credit of the custodian bank. Raiffeisen Bank International AG will be the principal paying agent. Dividend payments by the principal paying agent will be made exclusively less 27,5% withholding tax. Shares of UNIQA Insurance Group AG (ISIN AT0000821103) are traded ex-dividend 2025 on the Vienna Stock Exchange from 18 June 2026. Record date is 19 June 2026.お知らせ • Jun 09Uniqa Announces Management Changes of Uniqa Osiguranje HrvatskaUNIQA Osiguranje Hrvatska, a subsidiary of Austrian insurer UNIQA, said it has appointed Slaven Dobric as its new CEO. Dobric will replace Lukas Oliver Pavic, who will remain a management board member until the end of his mandate and afterwards will focus on development of UNIQA's business in southeastern Europe, the Croatian insurer said in a press release last week. Dobric has been working for peer Allianz Hrvatska for more than 26 years, according to his Linkedin profile.Reported Earnings • Apr 26Full year 2025 earnings released: EPS: €1.38 (vs €1.13 in FY 2024)Full year 2025 results: EPS: €1.38 (up from €1.13 in FY 2024). Revenue: €7.56b (up 7.1% from FY 2024). Net income: €424.8m (up 23% from FY 2024). Profit margin: 5.6% (up from 4.9% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.9% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has increased by 28% per year, which means it is tracking significantly ahead of earnings growth.New Risk • Apr 04New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Czech stocks, typically moving 4.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.0% average weekly change).Declared Dividend • Mar 22Dividend of €0.72 announcedShareholders will receive a dividend of €0.72. Ex-date: 18th June 2026 Payment date: 22nd June 2026 Dividend yield will be 0.2%, which is lower than the industry average of 13%. Sustainability & Growth Dividend is covered by both earnings (52% earnings payout ratio) and cash flows (57% cash payout ratio). The dividend has increased by an average of 4.4% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 19% over the next 3 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Mar 15Full year 2025 earnings released: EPS: €1.68 (vs €1.13 in FY 2024)Full year 2025 results: EPS: €1.68 (up from €1.13 in FY 2024). Revenue: €7.80b (up 11% from FY 2024). Net income: €516.4m (up 50% from FY 2024). Profit margin: 6.6% (up from 4.9% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has increased by 25% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Dec 09UNIQA Insurance Group AG, Annual General Meeting, Jun 09, 2026UNIQA Insurance Group AG, Annual General Meeting, Jun 09, 2026.お知らせ • Sep 16+ 4 more updatesUNIQA Insurance Group AG to Report Fiscal Year 2025 Final Results on Apr 22, 2026UNIQA Insurance Group AG announced that they will report fiscal year 2025 final results on Apr 22, 2026New Risk • Sep 11New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Czech stocks, typically moving 4.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.1% average weekly change).お知らせ • Jun 05UNIQA Insurance Group AG Approves a Dividend Payment for the Financial Year 2024, Payable on 16 June 2025The 26th Annual General Meeting of UNIQA Insurance Group AG held on 2 June 2025, approved a dividend payment of 60 cents per dividend entitled share for the financial year 2024. Dividend payment is 16 June 2025 (value date to the custodian bank). Dividend payment will be made through credit of the custodian bank. Shares of UNIQA Insurance Group AG (ISIN AT0000821103) are traded ex-dividend 2024 on the Vienna Stock Exchange from 12 June 2025. Record date is 13 June 2025.Upcoming Dividend • Jun 05Upcoming dividend of €0.60 per shareEligible shareholders must have bought the stock before 12 June 2025. Payment date: 16 June 2025. Payout ratio is a comfortable 53% and this is well supported by cash flows. Trailing yield: 4.7%. Lower than top quartile of Czech dividend payers (7.2%). In line with average of industry peers (4.3%).Reported Earnings • May 29First quarter 2025 earnings releasedFirst quarter 2025 results: EPS: €0.49. Revenue: €1.77b (up 6.8% from 1Q 2024). Net income: €151.1m (up 4.1% from 1Q 2024). Profit margin: 8.5% (down from 8.7% in 1Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.0% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has increased by 19% per year, which means it is tracking significantly ahead of earnings growth.New Risk • Mar 17New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.7% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.7% per year for the foreseeable future. Minor Risk Dividend is not well covered by cash flows (94% cash payout ratio).Declared Dividend • Mar 16Dividend of €0.60 announcedShareholders will receive a dividend of €0.60. Ex-date: 12th June 2025 Payment date: 16th June 2025 Dividend yield will be 0.3%, which is lower than the industry average of 13%. Sustainability & Growth Dividend is covered by earnings (49% earnings payout ratio) but not adequately covered by cash flows (94% cash payout ratio). The dividend has increased by an average of 5.0% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 18% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Mar 14UNIQA Insurance Group AG announces Annual dividend, payable on June 16, 2025UNIQA Insurance Group AG announced Annual dividend of EUR 0.6000 per share payable on June 16, 2025, ex-date on June 12, 2025 and record date on June 13, 2025.お知らせ • Jan 27UNIQA Insurance Group AG, Annual General Meeting, Jun 02, 2025UNIQA Insurance Group AG, Annual General Meeting, Jun 02, 2025.お知らせ • Sep 16+ 4 more updatesUNIQA Insurance Group AG to Report Q1, 2025 Results on May 23, 2025UNIQA Insurance Group AG announced that they will report Q1, 2025 results on May 23, 2025Reported Earnings • Aug 24First half 2024 earnings released: EPS: €0.70 (vs €0.56 in 1H 2023)First half 2024 results: EPS: €0.70 (up from €0.56 in 1H 2023). Revenue: €3.49b (down 7.6% from 1H 2023). Net income: €215.7m (up 26% from 1H 2023). Profit margin: 6.2% (up from 4.5% in 1H 2023). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.New Risk • Aug 23New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.6% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.6% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.5% average weekly change).Upcoming Dividend • Jun 06Upcoming dividend of €0.57 per shareEligible shareholders must have bought the stock before 13 June 2024. Payment date: 17 June 2024. Payout ratio is a comfortable 54% and the cash payout ratio is 83%. Trailing yield: 6.9%. Lower than top quartile of Czech dividend payers (8.6%). Higher than average of industry peers (5.1%).お知らせ • Jun 05UNIQA Insurance Group AG Approves Dividend for Financial Year 2023, Payable on June 17, 2024UNIQA Insurance Group AG at its Annual General Meeting held on June 03, 2024 approved a dividend payment of 57 cents per dividend entitled share for the financial year 2023. Dividend payment will be made on June 17, 2024 (value date to the custodian bank). Dividend payment will be made through credit of the custodian bank. Record date is June 14, 2024.Reported Earnings • Apr 14Full year 2023 earnings released: EPS: €1.05 (vs €0.83 in FY 2022)Full year 2023 results: EPS: €1.05 (up from €0.83 in FY 2022). Revenue: €6.49b (up 17% from FY 2022). Net income: €322.0m (up 26% from FY 2022). Profit margin: 5.0% (up from 4.6% in FY 2022). The increase in margin was driven by higher revenue. Combined ratio: 89.4% (down from 91.7% in FY 2022). Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.Reported Earnings • Mar 10Full year 2023 earnings releasedFull year 2023 results: Revenue: €6.68b (down 4.3% from FY 2022). Net income: €426.4m (up 11% from FY 2022). Profit margin: 6.4% (up from 5.5% in FY 2022). The increase in margin was driven by lower expenses.Declared Dividend • Mar 10Dividend of €0.57 announcedShareholders will receive a dividend of €0.57. Ex-date: 13th June 2024 Payment date: 17th June 2024 Dividend yield will be 0.3%, which is lower than the industry average of 13%. Sustainability & Growth Dividend is covered by both earnings (36% earnings payout ratio) and cash flows (61% cash payout ratio). The dividend has increased by an average of 8.2% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 12% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Sep 28+ 5 more updatesUNIQA Insurance Group AG to Report Q1, 2024 Results on May 24, 2024UNIQA Insurance Group AG announced that they will report Q1, 2024 results on May 24, 2024Reported Earnings • Aug 28First half 2023 earnings released: EPS: €0.56 (vs €0.28 in 1H 2022)First half 2023 results: EPS: €0.56 (up from €0.28 in 1H 2022). Revenue: €3.78b (up 14% from 1H 2022). Net income: €171.6m (up 97% from 1H 2022). Profit margin: 4.5% (up from 2.6% in 1H 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 57% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.New Risk • Aug 28New minor risk - Financial positionThe company has a high level of debt. Net debt to equity ratio: 47% This is considered a minor risk. Having a high level of debt increases the company's balance sheet risk. The company has a higher interest repayment burden, leading to the need to allocate a greater amount of its earnings towards servicing the debt, potentially limiting growth options or shareholder distributions. It can also increase the risk of bankruptcy if business conditions deteriorate enough that the company can no longer meet its debt obligations. Currently, the following risks have been identified for the company: Major Risk Shares are highly illiquid. Minor Risks High level of debt (47% net debt to equity). Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.Upcoming Dividend • Jun 08Upcoming dividend of €0.55 per share at 6.8% yieldEligible shareholders must have bought the stock before 15 June 2023. Payment date: 19 June 2023. Payout ratio is a comfortable 44% but the company is not cash flow positive. Trailing yield: 6.8%. Lower than top quartile of Czech dividend payers (8.8%). Higher than average of industry peers (5.2%).お知らせ • Sep 29+ 5 more updatesUNIQA Insurance Group AG to Report Q1, 2023 Results on May 26, 2023UNIQA Insurance Group AG announced that they will report Q1, 2023 results on May 26, 2023Reported Earnings • Aug 22Second quarter 2022 earnings released: EPS: €19.31 (vs €0.27 in 2Q 2021)Second quarter 2022 results: EPS: €19.31 (up from €0.27 in 2Q 2021). Revenue: €1.91b (up 11% from 2Q 2021). Net income: €6.01b (up €5.92b from 2Q 2021). Over the next year, revenue is expected to shrink by 12% compared to a 113% growth forecast for the Insurance industry in Czech Republic. Over the last 3 years on average, earnings per share has increased by 34% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.Upcoming Dividend • May 26Upcoming dividend of €0.55 per shareEligible shareholders must have bought the stock before 02 June 2022. Payment date: 07 June 2022. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 7.3%. Within top quartile of Czech dividend payers (5.8%). Higher than average of industry peers (5.4%).Reported Earnings • May 22First quarter 2022 earnings released: EPS: €0.29 (vs €0.29 in 1Q 2021)First quarter 2022 results: EPS: €0.29 (down from €0.29 in 1Q 2021). Revenue: €1.64b (down 5.0% from 1Q 2021). Net income: €89.0m (flat on 1Q 2021). Profit margin: 5.4% (up from 5.2% in 1Q 2021). The increase in margin was driven by lower expenses. Over the next year, revenue is expected to shrink by 12% compared to a 16% growth forecast for the industry in Europe. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.Reported Earnings • Apr 14Full year 2021 earnings released: EPS: €1.03 (vs €0.063 in FY 2020)Full year 2021 results: EPS: €1.03 (up from €0.063 in FY 2020). Revenue: €6.98b (up 15% from FY 2020). Net income: €314.7m (up €295.3m from FY 2020). Profit margin: 4.5% (up from 0.3% in FY 2020). The increase in margin was driven by higher revenue. Over the next year, revenue is expected to shrink by 12% compared to a 15% growth forecast for the insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 10% per year.Reported Earnings • Feb 25Full year 2021 earnings: Revenues in line with analyst expectationsFull year 2021 results: Revenue: €6.35b (up 4.3% from FY 2020). Net income: €315.0m (up €295.6m from FY 2020). Profit margin: 5.0% (up from 0.3% in FY 2020). Revenue was in line with analyst estimates.Upcoming Dividend • Jun 04Upcoming dividend of €0.18 per shareEligible shareholders must have bought the stock before 10 June 2021. Payment date: 14 June 2021. Trailing yield: 2.4%. Lower than top quartile of Czech dividend payers (5.4%). Lower than average of industry peers (4.7%).Reported Earnings • May 24First quarter 2021 earnings released: EPS €0.29 (vs €0.043 loss in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: €1.57b (up 3.6% from 1Q 2020). Net income: €89.0m (up €102.2m from 1Q 2020). Profit margin: 5.7% (up from net loss in 1Q 2020).Reported Earnings • Apr 14Full year 2020 earnings released: EPS €0.063 (vs €0.56 in FY 2019)The company reported a soft full year result with weaker earnings and profit margins, although revenues improved. Full year 2020 results: Revenue: €6.08b (up 1.8% from FY 2019). Net income: €19.4m (down 89% from FY 2019). Profit margin: 0.3% (down from 2.9% in FY 2019).Valuation Update With 7 Day Price Move • Nov 23Market bids up stock over the past weekAfter last week's 16% share price gain to €164, the stock is trading at a trailing P/E ratio of 11.4x, up from the previous P/E ratio of 9.8x. This compares to an average P/E of 11x in the Insurance industry in Europe. Total return to shareholders over the past year is a loss of 25%.業績と収益の成長予測SEP:UQA - アナリストの将来予測と過去の財務データ ( )EUR Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/20288,467517N/AN/A212/31/20277,993481N/AN/A212/31/20267,531448N/AN/A23/31/20267,695434N/AN/AN/A12/31/20257,5564258421,138N/A9/30/20257,421428N/AN/AN/A6/30/20257,252362388668N/A3/31/20257,171351N/AN/AN/A12/31/20247,057345420581N/A9/30/20247,023317N/AN/AN/A6/30/20246,837359186317N/A3/31/20246,577378N/AN/AN/A12/31/20236,494322202325N/A9/30/20237,560399N/AN/AN/A6/30/20235,366348221325N/A3/31/20235,476239N/AN/AN/A12/31/20225,544256-698-532N/A9/30/20225,677299N/AN/AN/A6/30/20226,859231-541-289N/A3/31/20227,055332N/AN/AN/A12/31/20216,980315553726N/A9/30/20216,789232663812N/A6/30/20216,598150773898N/A3/31/20216,311122N/AN/AN/A12/31/20206,0851945168N/A9/30/20206,0023433211N/A6/30/20205,880106-10686N/A3/31/20205,982126N/AN/AN/A12/31/20195,975171N/A520N/A9/30/20196,019246N/A246N/A6/30/20196,004237N/A259N/A3/31/20195,906222N/A198N/A12/31/20185,876243N/A-5N/A9/30/20185,701222N/A206N/A6/30/20185,683242N/A93N/A3/31/20185,665232N/A156N/A12/31/20175,588205N/A473N/A9/30/20175,566226N/A772N/A6/30/20175,521209N/A1,112N/A3/31/20175,454201N/A1,187N/A12/31/20165,411201N/A977N/A9/30/20164,439192N/A749N/A6/30/20164,660224N/A448N/A3/31/20165,284264N/A-539N/A12/31/20155,870314N/A147N/A9/30/20157,769346N/A1,172N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: UQAの予測収益成長率 (年間6.3% ) は 貯蓄率 ( 4% ) を上回っています。収益対市場: UQAの収益 ( 6.3% ) はCZ市場 ( 0.5% ) よりも速いペースで成長すると予測されています。高成長収益: UQAの収益は増加すると予測されていますが、大幅には増加しません。収益対市場: UQAの収益 ( 3.9% ) CZ市場 ( -0.09% ) よりも速いペースで成長すると予測されています。高い収益成長: UQAの収益 ( 3.9% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: UQAの 自己資本利益率 は、3年後には低くなると予測されています ( 13.9 %)。成長企業の発掘7D1Y7D1Y7D1YInsurance 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/30 07:24終値2026/07/30 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋UNIQA Insurance Group AG 4 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。10 アナリスト機関Michael HuttnerBerenbergFrank KopfingerDeutsche BankThomas UngerErste Group Bank AG7 その他のアナリストを表示
Upcoming Dividend • Jun 11Upcoming dividend of €0.72 per shareEligible shareholders must have bought the stock before 18 June 2026. Payment date: 22 June 2026. Payout ratio is a comfortable 52% and this is well supported by cash flows. Trailing yield: 4.2%. Lower than top quartile of Czech dividend payers (8.2%). Lower than average of industry peers (4.8%).
お知らせ • Jun 10UNIQA Insurance Group AG Approves Dividend for the Financial Year 2025, Payable on 22 June 2026The 27 Annual General Meeting of UNIQA Insurance Group AG held on 9 June 2026, approved a dividend payment of 72 cents per dividend entitled share for the financial year 2025. Dividend payment is 22 June 2026 (value date to the custodian bank). Dividend payment will be made through credit of the custodian bank. Raiffeisen Bank International AG will be the principal paying agent. Dividend payments by the principal paying agent will be made exclusively less 27,5% withholding tax. Shares of UNIQA Insurance Group AG (ISIN AT0000821103) are traded ex-dividend 2025 on the Vienna Stock Exchange from 18 June 2026. Record date is 19 June 2026.
お知らせ • Jun 09Uniqa Announces Management Changes of Uniqa Osiguranje HrvatskaUNIQA Osiguranje Hrvatska, a subsidiary of Austrian insurer UNIQA, said it has appointed Slaven Dobric as its new CEO. Dobric will replace Lukas Oliver Pavic, who will remain a management board member until the end of his mandate and afterwards will focus on development of UNIQA's business in southeastern Europe, the Croatian insurer said in a press release last week. Dobric has been working for peer Allianz Hrvatska for more than 26 years, according to his Linkedin profile.
Reported Earnings • Apr 26Full year 2025 earnings released: EPS: €1.38 (vs €1.13 in FY 2024)Full year 2025 results: EPS: €1.38 (up from €1.13 in FY 2024). Revenue: €7.56b (up 7.1% from FY 2024). Net income: €424.8m (up 23% from FY 2024). Profit margin: 5.6% (up from 4.9% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.9% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has increased by 28% per year, which means it is tracking significantly ahead of earnings growth.
New Risk • Apr 04New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Czech stocks, typically moving 4.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.0% average weekly change).
Declared Dividend • Mar 22Dividend of €0.72 announcedShareholders will receive a dividend of €0.72. Ex-date: 18th June 2026 Payment date: 22nd June 2026 Dividend yield will be 0.2%, which is lower than the industry average of 13%. Sustainability & Growth Dividend is covered by both earnings (52% earnings payout ratio) and cash flows (57% cash payout ratio). The dividend has increased by an average of 4.4% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 19% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Mar 15Full year 2025 earnings released: EPS: €1.68 (vs €1.13 in FY 2024)Full year 2025 results: EPS: €1.68 (up from €1.13 in FY 2024). Revenue: €7.80b (up 11% from FY 2024). Net income: €516.4m (up 50% from FY 2024). Profit margin: 6.6% (up from 4.9% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has increased by 25% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Dec 09UNIQA Insurance Group AG, Annual General Meeting, Jun 09, 2026UNIQA Insurance Group AG, Annual General Meeting, Jun 09, 2026.
お知らせ • Sep 16+ 4 more updatesUNIQA Insurance Group AG to Report Fiscal Year 2025 Final Results on Apr 22, 2026UNIQA Insurance Group AG announced that they will report fiscal year 2025 final results on Apr 22, 2026
New Risk • Sep 11New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Czech stocks, typically moving 4.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.1% average weekly change).
お知らせ • Jun 05UNIQA Insurance Group AG Approves a Dividend Payment for the Financial Year 2024, Payable on 16 June 2025The 26th Annual General Meeting of UNIQA Insurance Group AG held on 2 June 2025, approved a dividend payment of 60 cents per dividend entitled share for the financial year 2024. Dividend payment is 16 June 2025 (value date to the custodian bank). Dividend payment will be made through credit of the custodian bank. Shares of UNIQA Insurance Group AG (ISIN AT0000821103) are traded ex-dividend 2024 on the Vienna Stock Exchange from 12 June 2025. Record date is 13 June 2025.
Upcoming Dividend • Jun 05Upcoming dividend of €0.60 per shareEligible shareholders must have bought the stock before 12 June 2025. Payment date: 16 June 2025. Payout ratio is a comfortable 53% and this is well supported by cash flows. Trailing yield: 4.7%. Lower than top quartile of Czech dividend payers (7.2%). In line with average of industry peers (4.3%).
Reported Earnings • May 29First quarter 2025 earnings releasedFirst quarter 2025 results: EPS: €0.49. Revenue: €1.77b (up 6.8% from 1Q 2024). Net income: €151.1m (up 4.1% from 1Q 2024). Profit margin: 8.5% (down from 8.7% in 1Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.0% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has increased by 19% per year, which means it is tracking significantly ahead of earnings growth.
New Risk • Mar 17New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.7% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.7% per year for the foreseeable future. Minor Risk Dividend is not well covered by cash flows (94% cash payout ratio).
Declared Dividend • Mar 16Dividend of €0.60 announcedShareholders will receive a dividend of €0.60. Ex-date: 12th June 2025 Payment date: 16th June 2025 Dividend yield will be 0.3%, which is lower than the industry average of 13%. Sustainability & Growth Dividend is covered by earnings (49% earnings payout ratio) but not adequately covered by cash flows (94% cash payout ratio). The dividend has increased by an average of 5.0% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 18% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Mar 14UNIQA Insurance Group AG announces Annual dividend, payable on June 16, 2025UNIQA Insurance Group AG announced Annual dividend of EUR 0.6000 per share payable on June 16, 2025, ex-date on June 12, 2025 and record date on June 13, 2025.
お知らせ • Jan 27UNIQA Insurance Group AG, Annual General Meeting, Jun 02, 2025UNIQA Insurance Group AG, Annual General Meeting, Jun 02, 2025.
お知らせ • Sep 16+ 4 more updatesUNIQA Insurance Group AG to Report Q1, 2025 Results on May 23, 2025UNIQA Insurance Group AG announced that they will report Q1, 2025 results on May 23, 2025
Reported Earnings • Aug 24First half 2024 earnings released: EPS: €0.70 (vs €0.56 in 1H 2023)First half 2024 results: EPS: €0.70 (up from €0.56 in 1H 2023). Revenue: €3.49b (down 7.6% from 1H 2023). Net income: €215.7m (up 26% from 1H 2023). Profit margin: 6.2% (up from 4.5% in 1H 2023). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
New Risk • Aug 23New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.6% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.6% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.5% average weekly change).
Upcoming Dividend • Jun 06Upcoming dividend of €0.57 per shareEligible shareholders must have bought the stock before 13 June 2024. Payment date: 17 June 2024. Payout ratio is a comfortable 54% and the cash payout ratio is 83%. Trailing yield: 6.9%. Lower than top quartile of Czech dividend payers (8.6%). Higher than average of industry peers (5.1%).
お知らせ • Jun 05UNIQA Insurance Group AG Approves Dividend for Financial Year 2023, Payable on June 17, 2024UNIQA Insurance Group AG at its Annual General Meeting held on June 03, 2024 approved a dividend payment of 57 cents per dividend entitled share for the financial year 2023. Dividend payment will be made on June 17, 2024 (value date to the custodian bank). Dividend payment will be made through credit of the custodian bank. Record date is June 14, 2024.
Reported Earnings • Apr 14Full year 2023 earnings released: EPS: €1.05 (vs €0.83 in FY 2022)Full year 2023 results: EPS: €1.05 (up from €0.83 in FY 2022). Revenue: €6.49b (up 17% from FY 2022). Net income: €322.0m (up 26% from FY 2022). Profit margin: 5.0% (up from 4.6% in FY 2022). The increase in margin was driven by higher revenue. Combined ratio: 89.4% (down from 91.7% in FY 2022). Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Mar 10Full year 2023 earnings releasedFull year 2023 results: Revenue: €6.68b (down 4.3% from FY 2022). Net income: €426.4m (up 11% from FY 2022). Profit margin: 6.4% (up from 5.5% in FY 2022). The increase in margin was driven by lower expenses.
Declared Dividend • Mar 10Dividend of €0.57 announcedShareholders will receive a dividend of €0.57. Ex-date: 13th June 2024 Payment date: 17th June 2024 Dividend yield will be 0.3%, which is lower than the industry average of 13%. Sustainability & Growth Dividend is covered by both earnings (36% earnings payout ratio) and cash flows (61% cash payout ratio). The dividend has increased by an average of 8.2% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 12% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Sep 28+ 5 more updatesUNIQA Insurance Group AG to Report Q1, 2024 Results on May 24, 2024UNIQA Insurance Group AG announced that they will report Q1, 2024 results on May 24, 2024
Reported Earnings • Aug 28First half 2023 earnings released: EPS: €0.56 (vs €0.28 in 1H 2022)First half 2023 results: EPS: €0.56 (up from €0.28 in 1H 2022). Revenue: €3.78b (up 14% from 1H 2022). Net income: €171.6m (up 97% from 1H 2022). Profit margin: 4.5% (up from 2.6% in 1H 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 57% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.
New Risk • Aug 28New minor risk - Financial positionThe company has a high level of debt. Net debt to equity ratio: 47% This is considered a minor risk. Having a high level of debt increases the company's balance sheet risk. The company has a higher interest repayment burden, leading to the need to allocate a greater amount of its earnings towards servicing the debt, potentially limiting growth options or shareholder distributions. It can also increase the risk of bankruptcy if business conditions deteriorate enough that the company can no longer meet its debt obligations. Currently, the following risks have been identified for the company: Major Risk Shares are highly illiquid. Minor Risks High level of debt (47% net debt to equity). Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
Upcoming Dividend • Jun 08Upcoming dividend of €0.55 per share at 6.8% yieldEligible shareholders must have bought the stock before 15 June 2023. Payment date: 19 June 2023. Payout ratio is a comfortable 44% but the company is not cash flow positive. Trailing yield: 6.8%. Lower than top quartile of Czech dividend payers (8.8%). Higher than average of industry peers (5.2%).
お知らせ • Sep 29+ 5 more updatesUNIQA Insurance Group AG to Report Q1, 2023 Results on May 26, 2023UNIQA Insurance Group AG announced that they will report Q1, 2023 results on May 26, 2023
Reported Earnings • Aug 22Second quarter 2022 earnings released: EPS: €19.31 (vs €0.27 in 2Q 2021)Second quarter 2022 results: EPS: €19.31 (up from €0.27 in 2Q 2021). Revenue: €1.91b (up 11% from 2Q 2021). Net income: €6.01b (up €5.92b from 2Q 2021). Over the next year, revenue is expected to shrink by 12% compared to a 113% growth forecast for the Insurance industry in Czech Republic. Over the last 3 years on average, earnings per share has increased by 34% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
Upcoming Dividend • May 26Upcoming dividend of €0.55 per shareEligible shareholders must have bought the stock before 02 June 2022. Payment date: 07 June 2022. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 7.3%. Within top quartile of Czech dividend payers (5.8%). Higher than average of industry peers (5.4%).
Reported Earnings • May 22First quarter 2022 earnings released: EPS: €0.29 (vs €0.29 in 1Q 2021)First quarter 2022 results: EPS: €0.29 (down from €0.29 in 1Q 2021). Revenue: €1.64b (down 5.0% from 1Q 2021). Net income: €89.0m (flat on 1Q 2021). Profit margin: 5.4% (up from 5.2% in 1Q 2021). The increase in margin was driven by lower expenses. Over the next year, revenue is expected to shrink by 12% compared to a 16% growth forecast for the industry in Europe. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.
Reported Earnings • Apr 14Full year 2021 earnings released: EPS: €1.03 (vs €0.063 in FY 2020)Full year 2021 results: EPS: €1.03 (up from €0.063 in FY 2020). Revenue: €6.98b (up 15% from FY 2020). Net income: €314.7m (up €295.3m from FY 2020). Profit margin: 4.5% (up from 0.3% in FY 2020). The increase in margin was driven by higher revenue. Over the next year, revenue is expected to shrink by 12% compared to a 15% growth forecast for the insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 10% per year.
Reported Earnings • Feb 25Full year 2021 earnings: Revenues in line with analyst expectationsFull year 2021 results: Revenue: €6.35b (up 4.3% from FY 2020). Net income: €315.0m (up €295.6m from FY 2020). Profit margin: 5.0% (up from 0.3% in FY 2020). Revenue was in line with analyst estimates.
Upcoming Dividend • Jun 04Upcoming dividend of €0.18 per shareEligible shareholders must have bought the stock before 10 June 2021. Payment date: 14 June 2021. Trailing yield: 2.4%. Lower than top quartile of Czech dividend payers (5.4%). Lower than average of industry peers (4.7%).
Reported Earnings • May 24First quarter 2021 earnings released: EPS €0.29 (vs €0.043 loss in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: €1.57b (up 3.6% from 1Q 2020). Net income: €89.0m (up €102.2m from 1Q 2020). Profit margin: 5.7% (up from net loss in 1Q 2020).
Reported Earnings • Apr 14Full year 2020 earnings released: EPS €0.063 (vs €0.56 in FY 2019)The company reported a soft full year result with weaker earnings and profit margins, although revenues improved. Full year 2020 results: Revenue: €6.08b (up 1.8% from FY 2019). Net income: €19.4m (down 89% from FY 2019). Profit margin: 0.3% (down from 2.9% in FY 2019).
Valuation Update With 7 Day Price Move • Nov 23Market bids up stock over the past weekAfter last week's 16% share price gain to €164, the stock is trading at a trailing P/E ratio of 11.4x, up from the previous P/E ratio of 9.8x. This compares to an average P/E of 11x in the Insurance industry in Europe. Total return to shareholders over the past year is a loss of 25%.