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UNIQA Insurance Group

WBAG:UQA
Snowflake Description

6 star dividend payer and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
UQA
WBAG
€3B
Market Cap
  1. Home
  2. AT
  3. Insurance
Company description

UNIQA Insurance Group AG operates as an insurance company in Austria, Central and Eastern Europe, and internationally. The last earnings update was 12 days ago. More info.


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UQA Share Price and Events
7 Day Returns
2.4%
WBAG:UQA
2.7%
Europe Insurance
2.1%
AT Market
1 Year Returns
-3.3%
WBAG:UQA
3.2%
Europe Insurance
-2.7%
AT Market
UQA Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
UNIQA Insurance Group (UQA) 2.4% 6.7% 17.3% -3.3% 51% 2.3%
Europe Insurance 2.7% 6.3% 10.2% 3.2% 22.4% 31%
AT Market 2.1% 6.8% 8.8% -2.7% 42.9% 31.5%
1 Year Return vs Industry and Market
  • UQA underperformed the Insurance industry which returned 3.2% over the past year.
Price Volatility
UQA
Industry
5yr Volatility vs Market
Related Companies

UQA Value

 Is UNIQA Insurance Group undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of UNIQA Insurance Group to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for UNIQA Insurance Group.

WBAG:UQA Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 5 analysts.
= Stable Book Value * Return on Equity
= €10.91 * 7.5%
€0.82
Book Value of Equity per Share Weighted future Book Value estimates from 4 analysts. €10.91
Discount Rate (Cost of Equity) See below 7.2%
Perpetual Growth Rate 10-Year AT Government Bond Rate 0.5%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for WBAG:UQA
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year AT Govt Bond Rate 0.5%
Equity Risk Premium S&P Global 6.5%
Insurance Unlevered Beta Simply Wall St/ S&P Global 0.72
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.724 (1 + (1- 25%) (57.27%))
1.024
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.02
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.51% + (1.024 * 6.51%)
7.17%

Discounted Cash Flow Calculation for WBAG:UQA using Excess Returns Model Model

The calculations below outline how an intrinsic value for UNIQA Insurance Group is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

WBAG:UQA Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (7.5% – 7.17%) * €10.91)
€0.04
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €0.04 / (7.17% - 0.51%)
€0.59
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €10.91 + €0.59
€11.5
WBAG:UQA Discount to Share Price
Calculation Result
Value per share (EUR) From above. €11.50
Current discount Discount to share price of €9.51
= -1 x (€9.51 - €11.50) / €11.50
17.3%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price UNIQA Insurance Group is available for.
Intrinsic value
17%
Share price is €9.51 vs Future cash flow value of €11.5
Current Discount Checks
For UNIQA Insurance Group to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • UNIQA Insurance Group's share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • UNIQA Insurance Group's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for UNIQA Insurance Group's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are UNIQA Insurance Group's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
WBAG:UQA PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €0.79
WBAG:UQA Share Price ** WBAG (2019-04-18) in EUR €9.51
Europe Insurance Industry PE Ratio Median Figure of 65 Publicly-Listed Insurance Companies 13.91x
Austria Market PE Ratio Median Figure of 52 Publicly-Listed Companies 14.56x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of UNIQA Insurance Group.

WBAG:UQA PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= WBAG:UQA Share Price ÷ EPS (both in EUR)

= 9.51 ÷ 0.79

12x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • UNIQA Insurance Group is good value based on earnings compared to the Europe Insurance industry average.
  • UNIQA Insurance Group is good value based on earnings compared to the Austria market.
Price based on expected Growth
Does UNIQA Insurance Group's expected growth come at a high price?
Raw Data
WBAG:UQA PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 12x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts
2.8%per year
Europe Insurance Industry PEG Ratio Median Figure of 53 Publicly-Listed Insurance Companies 1.74x
Austria Market PEG Ratio Median Figure of 32 Publicly-Listed Companies 1.24x

*Line of best fit is calculated by linear regression .

WBAG:UQA PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 12x ÷ 2.8%

4.33x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • UNIQA Insurance Group is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on UNIQA Insurance Group's assets?
Raw Data
WBAG:UQA PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €9.68
WBAG:UQA Share Price * WBAG (2019-04-18) in EUR €9.51
Europe Insurance Industry PB Ratio Median Figure of 73 Publicly-Listed Insurance Companies 1.4x
Austria Market PB Ratio Median Figure of 60 Publicly-Listed Companies 1.24x
WBAG:UQA PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= WBAG:UQA Share Price ÷ Book Value per Share (both in EUR)

= 9.51 ÷ 9.68

0.98x

* Primary Listing of UNIQA Insurance Group.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • UNIQA Insurance Group is good value based on assets compared to the Europe Insurance industry average.
X
Value checks
We assess UNIQA Insurance Group's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. UNIQA Insurance Group has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

UQA Future Performance

 How is UNIQA Insurance Group expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
2.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is UNIQA Insurance Group expected to grow at an attractive rate?
  • UNIQA Insurance Group's earnings growth is expected to exceed the low risk savings rate of 0.5%.
Growth vs Market Checks
  • UNIQA Insurance Group's earnings growth is positive but not above the Austria market average.
  • UNIQA Insurance Group's revenues are expected to decrease over the next 1-3 years, this is below the Austria market average.
Annual Growth Rates Comparison
Raw Data
WBAG:UQA Future Growth Rates Data Sources
Data Point Source Value (per year)
WBAG:UQA Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts 2.8%
WBAG:UQA Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 5 Analysts -0.5%
Europe Insurance Industry Earnings Growth Rate Market Cap Weighted Average 9.6%
Europe Insurance Industry Revenue Growth Rate Market Cap Weighted Average 4.4%
Austria Market Earnings Growth Rate Market Cap Weighted Average 9.1%
Austria Market Revenue Growth Rate Market Cap Weighted Average 2.6%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
WBAG:UQA Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
WBAG:UQA Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31
2022-12-31 274
2021-12-31 257
2020-12-31 5,679 241 2
2019-12-31 5,494 230 1
WBAG:UQA Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 5,731 -5 243
2018-09-30 5,689 211 213
2018-06-30 5,687 115 230
2018-03-31 5,664 166 222
2017-12-31 5,588 473 205
2017-09-30 5,566 772 226
2017-06-30 5,521 1,112 209
2017-03-31 5,454 1,187 201
2016-12-31 5,411 977 201
2016-09-30 4,439 749 192
2016-06-30 4,660 448 224
2016-03-31 5,284 -539 264

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • UNIQA Insurance Group's earnings are expected to grow by 2.8% yearly, however this is not considered high growth (20% yearly).
  • UNIQA Insurance Group's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
WBAG:UQA Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below

All data from UNIQA Insurance Group Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

WBAG:UQA Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31
2022-12-31 0.89 0.89 0.89 1.00
2021-12-31 0.85 0.89 0.78 4.00
2020-12-31 0.79 0.83 0.71 5.00
2019-12-31 0.74 0.78 0.69 5.00
WBAG:UQA Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31 0.79
2018-09-30 0.69
2018-06-30 0.75
2018-03-31 0.72
2017-12-31 0.67
2017-09-30 0.74
2017-06-30 0.68
2017-03-31 0.65
2016-12-31 0.65
2016-09-30 0.62
2016-06-30 0.73
2016-03-31 0.86

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • UNIQA Insurance Group is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess UNIQA Insurance Group's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
UNIQA Insurance Group has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

UQA Past Performance

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

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare UNIQA Insurance Group's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • UNIQA Insurance Group's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
  • UNIQA Insurance Group's 1-year earnings growth exceeds its 5-year average (18.7% vs -3.9%)
  • UNIQA Insurance Group's earnings growth has exceeded the Europe Insurance industry average in the past year (18.7% vs 5.7%).
Earnings and Revenue History
UNIQA Insurance Group's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from UNIQA Insurance Group Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

WBAG:UQA Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 5,731.45 243.27
2018-09-30 5,688.75 213.16 8.90
2018-06-30 5,687.35 229.66 -3.10
2018-03-31 5,664.45 222.46 -11.20
2017-12-31 5,588.29 204.88
2017-09-30 5,566.18 225.87 8.20
2017-06-30 5,520.98 209.27 15.00
2017-03-31 5,453.58 201.07 14.60
2016-12-31 5,411.08 201.17
2016-09-30 4,438.65 191.81 -64.00
2016-06-30 4,660.35 224.31 -54.50
2016-03-31 5,284.25 263.61 -19.20
2015-12-31 5,870.15 314.01
2015-09-30 7,768.67 345.76 29.40
2015-06-30 7,677.97 323.36 35.90
2015-03-31 7,213.77 310.86 9.80
2014-12-31 6,828.97 289.86
2014-09-30 6,513.79 214.06 0.20
2014-06-30 6,384.39 206.86 0.10
2014-03-31 6,280.29 214.56 4.30
2013-12-31 6,258.79 234.66
2013-09-30 5,692.09 243.35 -12.30
2013-06-30 5,685.79 219.45 8.60
2013-03-31 5,627.49 159.45 -11.10
2012-12-31 5,482.39 117.25
2012-09-30 5,416.54 -49.35 0.70
2012-06-30 5,018.34 -234.95 -27.10

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • UNIQA Insurance Group has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • UNIQA Insurance Group used its assets less efficiently than the Europe Insurance industry average last year based on Return on Assets.
  • UNIQA Insurance Group's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess UNIQA Insurance Group's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
UNIQA Insurance Group has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

UQA Health

 How is UNIQA Insurance Group's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up UNIQA Insurance Group's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • UNIQA Insurance Group's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • UNIQA Insurance Group's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of UNIQA Insurance Group's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.7x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from UNIQA Insurance Group Company Filings, last reported 3 months ago.

WBAG:UQA Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 2,986.55 1,671.82 1,061.16
2018-09-30 2,998.00 886.50 1,330.10
2018-06-30 3,002.00 903.10 1,306.20
2018-03-31 3,207.90 894.80 1,523.50
2017-12-31 3,249.39 913.51 1,056.11
2017-09-30 3,122.00 886.20 1,259.00
2017-06-30 3,013.50 890.10 1,141.30
2017-03-31 3,184.80 893.90 1,443.30
2016-12-31 3,212.77 895.57 885.13
2016-09-30 3,394.30 1,133.00 1,041.20
2016-06-30 3,292.50 1,133.00 1,200.00
2016-03-31 3,317.60 1,128.70 1,398.50
2015-12-31 3,166.37 1,129.33 1,380.03
2015-09-30 3,101.60 1,095.60 2,044.60
2015-06-30 2,962.60 600.00 1,410.30
2015-03-31 3,292.10 600.00 1,452.20
2014-12-31 3,102.44 649.18 1,492.06
2014-09-30 3,197.80 600.00 1,379.50
2014-06-30 3,041.60 600.00 1,272.30
2014-03-31 2,957.00 600.00 1,408.00
2013-12-31 2,785.14 618.89 1,261.00
2013-09-30 1,990.00 800.00 1,639.90
2013-06-30 1,960.00 450.00 1,704.60
2013-03-31 2,066.90 450.00 1,936.00
2012-12-31 2,029.95 477.49 1,828.79
2012-09-30 1,912.60 575.00 2,092.00
2012-06-30 1,251.80 575.00 1,793.20
  • UNIQA Insurance Group's level of debt (56%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (22.2% vs 56% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • Interest payments on debt are well covered by earnings (EBIT is 6.8x coverage).
X
Financial health checks
We assess UNIQA Insurance Group's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. UNIQA Insurance Group has a total score of 1/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

UQA Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
5.57%
Current annual income from UNIQA Insurance Group dividends. Estimated to be 6.1% next year.
If you bought €2,000 of UNIQA Insurance Group shares you are expected to receive €111 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • UNIQA Insurance Group's pays a higher dividend yield than the bottom 25% of dividend payers in Austria (1.47%).
  • UNIQA Insurance Group's dividend is above the markets top 25% of dividend payers in Austria (4.59%).
Upcoming dividend payment

Purchase UNIQA Insurance Group before the 'Buy Limit' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
WBAG:UQA Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
Europe Insurance Industry Average Dividend Yield Market Cap Weighted Average of 65 Stocks 4.8%
Austria Market Average Dividend Yield Market Cap Weighted Average of 50 Stocks 3.3%
Austria Minimum Threshold Dividend Yield 10th Percentile 1.1%
Austria Bottom 25% Dividend Yield 25th Percentile 1.5%
Austria Top 25% Dividend Yield 75th Percentile 4.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

WBAG:UQA Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2023-12-31 0.60 1.00
2022-12-31 0.63 2.00
2021-12-31 0.59 5.00
2020-12-31 0.58 6.00
2019-12-31 0.55 5.00
WBAG:UQA Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-04-10 0.530 5.680
2019-02-21 0.530 5.942
2018-04-12 0.510 6.015
2018-02-28 0.510 5.480
2017-04-24 0.490 5.689
2017-03-09 0.490 6.717
2016-06-01 0.470 7.565
2015-03-06 0.420 5.700
2014-04-10 0.350 4.025
2014-02-28 0.350 3.695
2013-04-11 0.250 2.599
2013-01-15 0.250 2.325
2012-11-28 0.000 0.000
2012-08-29 0.000 0.000
2012-05-25 0.000 0.000
2012-04-27 0.000 0.000
2011-03-31 0.400 3.224
2010-04-29 0.400 2.737
2009-04-30 0.400 3.079
2009-04-23 0.500 3.399

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of UNIQA Insurance Group's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.5x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be covered by earnings (1.4x coverage).
X
Income/ dividend checks
We assess UNIQA Insurance Group's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can UNIQA Insurance Group afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. UNIQA Insurance Group has a total score of 6/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

UQA Management

 What is the CEO of UNIQA Insurance Group's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Andreas Brandstetter
COMPENSATION €1,299,000
AGE 49
TENURE AS CEO 7.8 years
CEO Bio

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 Board since January 1, 2002 and serves as its Chief Investment Officer. Dr. Brandstetter serves as Head of Private Customers, Mergers & Acquisitions and Direct Sales. Dr. Brandstetter served as Vice Chairman of Management Board at UNIQA Versicherungen AG. He served as Chairman of Supervisory Board at UNIQA Österreich Versicherungen AG until May 31, 2016. He was Deputy Chief Executive Officer and Member of the Management Board at UNIQA Insurance Group, Vienna from 2003 to 2011. He served as Deputy Member of the Management Board at UNIQA Insurance Group, Vienna from 2002 to 2003. He was Secretary General at UNIQA Insurance Group, Vienna from 2000 to 2002. Dr. Brandstetter served as Assistant to the Chief Executive Officer at BARC Insurance Group/UNIQA Insurance Group from 1997 to 2000. He was Head of the European Union office at Austrian Raiffeisen Association, Vienna/Brussels from 1995 to 1997. He was Managing Director at Austrian People’s Party, Vienna from 1994 to 1995. He was Office of the Vice Chancellor at Federal Chancellery from 1993 to 1994. Dr. Brandstetter joined the Uniqa Versicherungen in 1997 and was responsible for the restructuring of UNIQA Versicherungen AG in 1999. He served as Director of SCOR SE from April 25, 2013 to April 30, 2015. He served as a Member of Supervisory Board at Raiffeisen Zentralbank Österreich Aktiengesellschaft since June 25, 2013 until June 27, 2015. He served as a Member of Supervisory Board at CEESEG AG. He completed an MBA programme at California State University.

CEO Compensation
  • Andreas's compensation has been consistent with company performance over the past year.
  • Andreas's remuneration is about average for companies of similar size in Austria.
Management Team Tenure

Average tenure and age of the UNIQA Insurance Group management team in years:

4.3
Average Tenure
49
Average Age
  • The tenure for the UNIQA Insurance Group management team is about average.
Management Team

Andreas Brandstetter

TITLE
Chairman of the Management Board
COMPENSATION
€1M
AGE
49
TENURE
7.8 yrs

Kurt Svoboda

TITLE
Member of the Management Board
COMPENSATION
€1M
AGE
51
TENURE
4.3 yrs

Eric Leyers

TITLE
Member of the Management Board & COO
COMPENSATION
€817K
AGE
49
TENURE
2.8 yrs

Michael Oplustil

TITLE
Head of Investor Relations

Stefan Glinz

TITLE
IR contact
Board of Directors Tenure

Average tenure and age of the UNIQA Insurance Group board of directors in years:

5.9
Average Tenure
62
Average Age
  • The tenure for the UNIQA Insurance Group board of directors is about average.
Board of Directors

Walter Rothensteiner

TITLE
Chairman of Supervisory Board
AGE
65
TENURE
6.9 yrs

Christian Kuhn

TITLE
1st Deputy Chairman of the Supervisory Board
AGE
64
TENURE
12.9 yrs

Erwin Hameseder

TITLE
2nd Deputy Chairman of the Supervisory Board
AGE
62
TENURE
6.9 yrs

Burkhard Gantenbein

TITLE
3rd Deputy Chairman of the Supervisory Board
AGE
55
TENURE
0.9 yrs

Markus Andréewitch

TITLE
Supervisory Board Member
AGE
63
TENURE
4.9 yrs

Kory Sorenson

TITLE
Supervisory Board Member
AGE
50
TENURE
4.9 yrs

Jutta Kath

TITLE
Supervisory Board Member
AGE
58
TENURE
2.9 yrs

Friedrich Lehner

TITLE
Member of Supervisory Board
AGE
66
TENURE
10 yrs

Franz-Michael Koller

TITLE
Supervisory Board Member
AGE
62
TENURE
19.6 yrs

Peter Gattinger

TITLE
Member of Supervisory Board
AGE
42
TENURE
2.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess UNIQA Insurance Group's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. UNIQA Insurance Group has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

UQA News

Simply Wall St News

The UNIQA Insurance Group (VIE:UQA) Share Price Has Gained 50% And Shareholders Are Hoping For More

By comparing earnings per share (EPS) and share price changes over time, we can get a feel for how investor attitudes to a company have morphed over time. … During the three years of share price growth, UNIQA Insurance Group actually saw its earnings per share (EPS) drop 8.0% per year. … Interestingly, the dividend has increased over time; so that may have given the share price a boost.

Simply Wall St -

A Closer Look At UNIQA Insurance Group AG's (VIE:UQA) Uninspiring ROE

With that in mind, this article will work through how we can use Return On Equity (ROE) to better understand a business. … To keep the lesson grounded in practicality, we'll use ROE to better understand UNIQA Insurance Group AG (VIE:UQA). … Our data shows UNIQA Insurance Group has a return on equity of 8.1% for the last year.

Simply Wall St -

Read This Before You Buy UNIQA Insurance Group AG (VIE:UQA) Because Of Its P/E Ratio

We'll show how you can use UNIQA Insurance Group AG's (VIE:UQA) P/E ratio to inform your assessment of the investment opportunity. … Based on the last twelve months, UNIQA Insurance Group's P/E ratio is 11.22. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Why Income Investors Should Have UNIQA Insurance Group AG (VIE:UQA) In Their Portfolio

UNIQA Insurance Group AG (VIE:UQA) is a true Dividend Rock Star. … In the past ten years, UNIQA Insurance Group has also grown its dividend from €0.50 to €0.53. … Below, I have outlined more attractive dividend aspects for UNIQA Insurance Group for income investors who may be interested in new dividend stocks for their portfolio.

Simply Wall St -

What Makes UNIQA Insurance Group AG (VIE:UQA) A Great Dividend Stock?

Over the past 10 years UNIQA Insurance Group AG (VIE:UQA) has been paying dividends to shareholders. … Let's take a look at UNIQA Insurance Group in more detail. … View our latest analysis for UNIQA Insurance Group

Simply Wall St -

Want To Invest In UNIQA Insurance Group AG (VIE:UQA)? Here's How It Performed Lately

When UNIQA Insurance Group AG (VIE:UQA) released its most recent earnings update (31 December 2018), I compared it against two factor: its historical earnings track record, and the performance of its industry peers on average. … Understanding how UNIQA Insurance Group performed requires a benchmark rather than trying to assess a standalone number at one point in time. … See our latest analysis for UNIQA Insurance Group.

Simply Wall St -

Is It Too Late To Consider Buying UNIQA Insurance Group AG (VIE:UQA)?

UNIQA Insurance Group AG (VIE:UQA), which is in the insurance business, and is based in Austria,. … A question to answer is whether UNIQA Insurance Group's current trading price of €8.3 reflective of the actual value of the? … Let’s take a look at UNIQA Insurance Group’s outlook and value based on the most recent financial data to see if there are any catalysts for a price change

Simply Wall St -

What Kind Of Shareholder Owns Most UNIQA Insurance Group AG (VIE:UQA) Stock?

If you want to know who really controls UNIQA Insurance Group AG (VIE:UQA), then you'll have to look at the makeup of its share registry. … We also tend to see lower insider ownership in companies that were previously publicly owned. … UNIQA Insurance Group has a market capitalization of €2.5b, so we would expect some institutional investors to have noticed the stock.

Simply Wall St -

Why UNIQA Insurance Group AG's (VIE:UQA) CEO Pay Matters To You

In 2011 Andreas Brandstetter was appointed CEO of UNIQA Insurance Group AG (VIE:UQA). … This analysis aims first to contrast CEO compensation with other companies that have similar market capitalization. … How Does Andreas Brandstetter's Compensation Compare With Similar Sized Companies?

Simply Wall St -

Does UNIQA Insurance Group AG's (VIE:UQA) P/E Ratio Signal A Buying Opportunity?

We'll show how you can use UNIQA Insurance Group AG's (VIE:UQA) P/E ratio to inform your assessment of the investment opportunity. … UNIQA Insurance Group has a P/E ratio of 11.53, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

UQA Company Info

Description

UNIQA Insurance Group AG operates as an insurance company in Austria, Central and Eastern Europe, and internationally. It operates through UNIQA Austria, UNIQA International, and Reinsurance segments. The company’s product portfolio includes life, health, 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. It also engages in reinsurance business. The company offers its products and services through various distribution channels, including sales force, general agencies, brokers, banks, and direct sales. The company was formerly known as UNIQA Versicherungen AG and changed its name to UNIQA Insurance Group AG in July 2013. UNIQA Insurance Group AG is based in Vienna, Austria.

Details
Name: UNIQA Insurance Group AG
UQA
Exchange: WBAG
Founded:
€2,919,239,632
306,965,261
Website: http://www.uniqagroup.com
Address: UNIQA Insurance Group AG
Untere Donaustrasse 21,
Vienna,
Vienna, 1029,
Austria
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
WBAG UQA Ordinary Shares Wiener Boerse AG AT EUR 08. Nov 1999
DB UN9 Ordinary Shares Deutsche Boerse AG DE EUR 08. Nov 1999
XTRA UN9 Ordinary Shares XETRA Trading Platform DE EUR 08. Nov 1999
LSE 0GDR Ordinary Shares London Stock Exchange GB EUR 08. Nov 1999
SEP UQA Ordinary Shares The Stock Exchange Prague Co. Ltd. CZ CZK 08. Nov 1999
BATS-CHIXE UQAV Ordinary Shares BATS 'Chi-X Europe' GB EUR 08. Nov 1999
Number of employees
Current staff
Staff numbers
19,000
UNIQA Insurance Group employees.
Industry
Multi-line Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/22 20:47
End of day share price update: 2019/04/18 00:00
Last estimates confirmation: 2019/04/10
Last earnings filing: 2019/04/10
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.