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UQA

UNIQA Insurance Group WBAG:UQA Stock Report

Last Price

€6.78

Market Cap

€2.1b

7D

-1.6%

1Y

-9.5%

Updated

25 Jun, 2022

Data

Company Financials +
UQA fundamental analysis
Snowflake Score
Valuation4/6
Future Growth1/6
Past Performance4/6
Financial Health4/6
Dividends4/6

UQA Stock Overview

UNIQA Insurance Group AG operates as an insurance company in Austria, and Central and Eastern Europe.

UNIQA Insurance Group Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for UNIQA Insurance Group
Historical stock prices
Current Share Price€6.78
52 Week High€8.48
52 Week Low€6.05
Beta1.06
1 Month Change-10.08%
3 Month Change-5.83%
1 Year Change-9.48%
3 Year Change-17.27%
5 Year Change-16.91%
Change since IPO-31.26%

Recent News & Updates

Apr 28
UNIQA Insurance Group's (VIE:UQA) Dividend Will Be Increased To €0.55

UNIQA Insurance Group's (VIE:UQA) Dividend Will Be Increased To €0.55

The board of UNIQA Insurance Group AG ( VIE:UQA ) has announced that it will be increasing its dividend on the 7th of...

Feb 27
UNIQA Insurance Group's (VIE:UQA) Upcoming Dividend Will Be Larger Than Last Year's

UNIQA Insurance Group's (VIE:UQA) Upcoming Dividend Will Be Larger Than Last Year's

UNIQA Insurance Group AG ( VIE:UQA ) will increase its dividend on the 7th of June to €0.55. This makes the dividend...

Shareholder Returns

UQAAT InsuranceAT Market
7D-1.6%0.1%-1.0%
1Y-9.5%-7.7%-7.5%

Return vs Industry: UQA underperformed the Austrian Insurance industry which returned -7.7% over the past year.

Return vs Market: UQA underperformed the Austrian Market which returned -7.5% over the past year.

Price Volatility

Is UQA's price volatile compared to industry and market?
UQA volatility
UQA Average Weekly Movement3.5%
Insurance Industry Average Movement3.9%
Market Average Movement4.9%
10% most volatile stocks in AT Market7.3%
10% least volatile stocks in AT Market2.7%

Stable Share Price: UQA is less volatile than 75% of Austrian stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: UQA's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
181122,400Andreas Brandstetterhttps://www.uniqagroup.com

UNIQA Insurance Group AG operates as an insurance company in Austria, and Central and Eastern Europe. It operates through UNIQA Austria, UNIQA International, and Reinsurance segments. The company’s product portfolio includes life, health, property and casualty, fire and business interruption, household and other property, liability, legal expense, motor TPL and other motor, and other insurance products, as well as marine, aviation, and transport insurance products.

UNIQA Insurance Group Fundamentals Summary

How do UNIQA Insurance Group's earnings and revenue compare to its market cap?
UQA fundamental statistics
Market Cap€2.08b
Earnings (TTM)€331.70m
Revenue (TTM)€7.06b

6.3x

P/E Ratio

0.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
UQA income statement (TTM)
Revenue€7.06b
Cost of Revenue€5.24b
Gross Profit€1.82b
Other Expenses€1.49b
Earnings€331.70m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

Aug 19, 2022

Earnings per share (EPS)1.08
Gross Margin25.79%
Net Profit Margin4.70%
Debt/Equity Ratio68.5%

How did UQA perform over the long term?

See historical performance and comparison

Dividends

8.1%

Current Dividend Yield

51%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is UQA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for UQA?

Other financial metrics that can be useful for relative valuation.

UQA key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.6x
Enterprise Value/EBITDA6x
PEG Ratio6.2x

Price to Earnings Ratio vs Peers

How does UQA's PE Ratio compare to its peers?

UQA PE Ratio vs Peers
The above table shows the PE ratio for UQA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average18.9x

Price-To-Earnings vs Peers: UQA is good value based on its Price-To-Earnings Ratio (6.3x) compared to the peer average (18.9x).


Price to Earnings Ratio vs Industry

How does UQA's PE Ratio compare vs other companies in the Insurance Industry?

Price-To-Earnings vs Industry: UQA is good value based on its Price-To-Earnings Ratio (6.3x) compared to the European Insurance industry average (10x)


Price to Earnings Ratio vs Fair Ratio

What is UQA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

UQA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.3x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate UQA's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of UQA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: UQA (€6.78) is trading below our estimate of fair value (€10.67)

Significantly Below Fair Value: UQA is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: UQA is poor value based on its PEG Ratio (6.2x)


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Future Growth

How is UNIQA Insurance Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

Future Growth Score

1/6

Future Growth Score 1/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


1.0%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: UQA's forecast earnings growth (1% per year) is above the savings rate (0.2%).

Earnings vs Market: UQA's earnings (1% per year) are forecast to grow slower than the Austrian market (5.6% per year).

High Growth Earnings: UQA's earnings are forecast to grow, but not significantly.

Revenue vs Market: UQA's revenue is expected to decline over the next 3 years (-1.9% per year).

High Growth Revenue: UQA's revenue is forecast to decline over the next 3 years (-1.9% per year).


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: UQA's Return on Equity is forecast to be low in 3 years time (10.2%).


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Past Performance

How has UNIQA Insurance Group performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-3.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: UQA has high quality earnings.

Growing Profit Margin: UQA's current net profit margins (4.7%) are higher than last year (1.9%).


Past Earnings Growth Analysis

Earnings Trend: UQA's earnings have declined by 3.4% per year over the past 5 years.

Accelerating Growth: UQA's earnings growth over the past year (171.9%) exceeds its 5-year average (-3.4% per year).

Earnings vs Industry: UQA earnings growth over the past year (171.9%) exceeded the Insurance industry 13.6%.


Return on Equity

High ROE: UQA's Return on Equity (12.6%) is considered low.


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Financial Health

How is UNIQA Insurance Group's financial position?

Financial Health Score

4/6

Financial Health Score 4/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: UQA's short term assets (€2.3B) exceed its short term liabilities (€167.7M).

Long Term Liabilities: UQA's short term assets (€2.3B) do not cover its long term liabilities (€27.3B).


Debt to Equity History and Analysis

Debt Level: UQA's net debt to equity ratio (35.4%) is considered satisfactory.

Reducing Debt: UQA's debt to equity ratio has increased from 28.1% to 68.5% over the past 5 years.

Debt Coverage: UQA's debt is well covered by operating cash flow (39.7%).

Interest Coverage: UQA's interest payments on its debt are well covered by EBIT (4.1x coverage).


Balance Sheet


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Dividend

What is UNIQA Insurance Group current dividend yield, its reliability and sustainability?

Dividend Score

4/6

Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


8.11%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: UQA's dividend (8.11%) is higher than the bottom 25% of dividend payers in the Austrian market (1.9%).

High Dividend: UQA's dividend (8.11%) is in the top 25% of dividend payers in the Austrian market (5.14%)


Stability and Growth of Payments

Stable Dividend: UQA has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: UQA's dividend payments have increased, but the company has only paid a dividend for 9 years.


Earnings Payout to Shareholders

Earnings Coverage: With its reasonable payout ratio (50.7%), UQA's dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: With its reasonably low cash payout ratio (30.5%), UQA's dividend payments are well covered by cash flows.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

1.9yrs

Average management tenure


CEO

Andreas Brandstetter (52 yo)

20.42yrs

Tenure

€1,763,000

Compensation

Dr. Andreas Brandstetter has been Chairman of Management Board and Chief Executive Officer at UNIQA Insurance Group AG (UNIQA Versicherungen AG) since July 1, 2011 and has been its Member of Management Boa...


CEO Compensation Analysis

Compensation vs Market: Andreas's total compensation ($USD1.86M) is about average for companies of similar size in the Austrian market ($USD2.27M).

Compensation vs Earnings: Andreas's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: UQA's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.


Board Members

Experienced Board: UQA's board of directors are considered experienced (6.1 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

UNIQA Insurance Group AG's employee growth, exchange listings and data sources


Key Information

  • Name: UNIQA Insurance Group AG
  • Ticker: UQA
  • Exchange: WBAG
  • Founded: 1811
  • Industry: Multi-line Insurance
  • Sector: Insurance
  • Implied Market Cap: €2.081b
  • Shares outstanding: 306.97m
  • Website: https://www.uniqagroup.com

Number of Employees


Location

  • UNIQA Insurance Group AG
  • Untere Donaustrasse 21
  • Vienna
  • Vienna
  • 1029
  • Austria

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/25 00:00
End of Day Share Price2022/06/24 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.