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UNIQA Insurance Group AGWBAG:UQA Stock Report

Market Cap €4.2b
Share Price
€13.62
My Fair Value
n/a
1Y86.6%
7D3.8%
Portfolio Value
​
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UNIQA Insurance Group AG

WBAG:UQA Stock Report

Market Cap: €4.2b

UNIQA Insurance Group (UQA) Stock Overview

Operates as an insurance company in Austria and Central and Eastern Europe. More details

UQA fundamental analysis
Snowflake Score
Valuation4/6
Future Growth2/6
Past Performance2/6
Financial Health4/6
Dividends4/6

Rewards

Trading at 62.1% below our estimate of its fair value

Earnings are forecast to grow 7% per year

Earnings have grown 23.3% per year over the past 5 years

Risk Analysis

Unstable dividend track record


UQA Community Fair Values

Create Narrative

See what 12 others think this stock is worth. Follow their fair value or set your own to get alerts.

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UNIQA Insurance Group

Digitalization And Aging Populations Will Create Long-Term Growth Opportunities

Key Takeaways Strong premium growth and untapped market potential in Central and Eastern Europe position the company for sustained revenue and earnings expansion. Digital transformation, health ecosystem innovation, and ESG focus are driving margin improvements, operational leverage, and elevated long-term growth prospects.
View narrative
€15.5
FV
12.1% undervalued intrinsic discount
5.28%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
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UNIQA Insurance Group

Central And Eastern European Demand Will Transform Digital Insurance Landscape

Key Takeaways Expanding digitalization, bancassurance partnerships, and demographic trends fuel growth in premiums, customer base, and operating margin, especially in Central and Eastern Europe. Strengthened sustainability focus and improved capital flexibility enable differentiated offerings, enhanced brand value, and consistent revenue through long-term partnerships.
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€14.33
FV
4.9% undervalued intrinsic discount
4.93%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
6users have followed this narrative
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UNIQA Insurance Group

Volatile European Rates And Insurtech Rivalry Will Constrain Returns

Key Takeaways Overreliance on traditional distribution and regional markets heightens vulnerability to tech disruptors and local economic instability. Rising climate risks and stricter regulations threaten profitability and restrict future investment opportunities.
View narrative
€11.6
FV
17.4% overvalued intrinsic discount
2.68%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
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UNIQA Insurance Group AG Competitors

Price History & Performance

Summary of share price highs, lows and changes for UNIQA Insurance Group
Historical stock prices
Current Share Price€13.62
52 Week High€13.96
52 Week Low€7.12
Beta0.51
1 Month Change8.96%
3 Month Change7.24%
1 Year Change86.58%
3 Year Change91.02%
5 Year Change118.27%
Change since IPO38.10%

Recent News & Updates

Many Still Looking Away From UNIQA Insurance Group AG (VIE:UQA)

Sep 21
Many Still Looking Away From UNIQA Insurance Group AG (VIE:UQA)

Recent updates

Many Still Looking Away From UNIQA Insurance Group AG (VIE:UQA)

Sep 21
Many Still Looking Away From UNIQA Insurance Group AG (VIE:UQA)

UNIQA Insurance Group's (VIE:UQA) Dividend Will Be Increased To €0.60

Apr 28
UNIQA Insurance Group's (VIE:UQA) Dividend Will Be Increased To €0.60
User avatar

Poland Expansion Will Encounter Unsustainable Competitive Pressures

High growth in Central and Eastern Europe might not be sustainable due to market saturation or competition.

UNIQA Insurance Group AG (VIE:UQA) Doing What It Can To Lift Shares

Feb 21
UNIQA Insurance Group AG (VIE:UQA) Doing What It Can To Lift Shares

Shareholder Returns

UQAAT InsuranceAT Market
7D3.8%-2.7%-2.2%
1Y86.6%21.2%29.4%

Return vs Industry: UQA exceeded the Austrian Insurance industry which returned 21.2% over the past year.

Return vs Market: UQA exceeded the Austrian Market which returned 29.4% over the past year.

Price Volatility

Is UQA's price volatile compared to industry and market?
UQA volatility
UQA Average Weekly Movement3.1%
Insurance Industry Average Movement2.9%
Market Average Movement3.6%
10% most volatile stocks in AT Market5.4%
10% least volatile stocks in AT Market2.1%

Stable Share Price: UQA has not had significant price volatility in the past 3 months compared to the Austrian market.

Volatility Over Time: UQA's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
181114,715Andreas Brandstetterwww.uniqagroup.com

UNIQA Insurance Group AG operates as an insurance company in Austria and Central and Eastern Europe. The company operates through the UNIQA Austria, UNIQA International, and Reinsurance segments. Its insurance product portfolio includes life, health, property, casualty, household, fire, motor, liability, and other insurance product services.

UNIQA Insurance Group AG Fundamentals Summary

How do UNIQA Insurance Group's earnings and revenue compare to its market cap?
UQA fundamental statistics
Market cap€4.18b
Earnings (TTM)€362.16m
Revenue (TTM)€7.25b
11.5x
P/E Ratio
0.6x
P/S Ratio

Is UQA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UQA income statement (TTM)
Revenue€7.25b
Cost of Revenue€6.16b
Gross Profit€1.09b
Other Expenses€729.00m
Earnings€362.16m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Mar 13, 2026

Earnings per share (EPS)1.18
Gross Margin15.05%
Net Profit Margin4.99%
Debt/Equity Ratio51.3%

How did UQA perform over the long term?

See historical performance and comparison

Dividends

4.4%
Current Dividend Yield
51%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/20 01:58
End of Day Share Price 2025/11/20 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

UNIQA Insurance Group AG is covered by 10 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Michael HuttnerBerenberg
Frank KopfingerDeutsche Bank
Thomas UngerErste Group Bank AG