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
|Historical stock prices|
|Current Share Price||€6.78|
|52 Week High||€8.48|
|52 Week Low||€6.05|
|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
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...
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...
|UQA||AT Insurance||AT Market|
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.
|UQA Average Weekly Movement||3.5%|
|Insurance Industry Average Movement||3.9%|
|Market Average Movement||4.9%|
|10% most volatile stocks in AT Market||7.3%|
|10% least volatile stocks in AT Market||2.7%|
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
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
|UQA fundamental statistics|
Is UQA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UQA income statement (TTM)|
|Cost of Revenue||€5.24b|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 19, 2022
|Earnings per share (EPS)||1.08|
|Net Profit Margin||4.70%|
How did UQA perform over the long term?See historical performance and comparison
8.1%Current Dividend Yield
Is UQA undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is UQA's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does UQA's PE Ratio compare to its peers?
|UQA PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
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.
|Current PE Ratio||6.3x|
|Fair PE Ratio||n/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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How is UNIQA Insurance Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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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How has UNIQA Insurance Group performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
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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How is UNIQA Insurance Group's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
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).
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What is UNIQA Insurance Group current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
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.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Andreas Brandstetter (52 yo)
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.
Experienced Management: UQA's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.
Experienced Board: UQA's board of directors are considered experienced (6.1 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
UNIQA Insurance Group AG's employee growth, exchange listings and data sources
- 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
- UNIQA Insurance Group AG
- Untere Donaustrasse 21
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/25 00:00|
|End of Day Share Price||2022/06/24 00:00|
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.