UNIQA Insurance Group AG operates as an insurance company in Austria, Central and Eastern Europe, and internationally.
Undervalued established dividend payer.
Share Price & News
How has UNIQA Insurance Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: UQA's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: UQA matched the Austrian Insurance industry which returned -23.6% over the past year.
Return vs Market: UQA exceeded the Austrian Market which returned -31.4% over the past year.
Price Volatility Vs. Market
How volatile is UNIQA Insurance Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StHow Does UNIQA Insurance Group's (VIE:UQA) P/E Compare To Its Industry, After The Share Price Drop?
4 weeks ago | Simply Wall StWith A -4.5% Earnings Drop, Did UNIQA Insurance Group AG (VIE:UQA) Really Underperform?
1 month ago | Simply Wall StInvestors In UNIQA Insurance Group AG (VIE:UQA) Should Consider This, First
Is UNIQA Insurance Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UQA (€6.89) is trading below our estimate of fair value (€16.33)
Significantly Below Fair Value: UQA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: UQA is poor value based on its PE Ratio (9.1x) compared to the Insurance industry average (8.9x).
PE vs Market: UQA is good value based on its PE Ratio (9.1x) compared to the Austrian market (11.1x).
Price to Earnings Growth Ratio
PEG Ratio: UQA is good value based on its PEG Ratio (0.8x)
Price to Book Ratio
PB vs Industry: UQA is good value based on its PB Ratio (0.6x) compared to the XE Insurance industry average (0.9x).
How is UNIQA Insurance Group forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UQA's forecast earnings growth (11.2% per year) is above the savings rate (-0.1%).
Earnings vs Market: UQA's earnings (11.2% per year) are forecast to grow faster than the Austrian market (10.1% per year).
High Growth Earnings: UQA's earnings are forecast to grow, but not significantly.
Revenue vs Market: UQA's revenue (6.6% per year) is forecast to grow faster than the Austrian market (2.1% per year).
High Growth Revenue: UQA's revenue (6.6% per year) is forecast to grow slower than 20% 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 (8.4%).
How has UNIQA Insurance Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UQA has high quality earnings.
Growing Profit Margin: UQA's current net profit margins (4.3%) are higher than last year (4.2%).
Past Earnings Growth Analysis
Earnings Trend: UQA's earnings have declined by -6.6% per year over the past 5 years.
Accelerating Growth: UQA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UQA had negative earnings growth (-4.5%) over the past year, making it difficult to compare to the Insurance industry average (11.4%).
Return on Equity
High ROE: UQA's Return on Equity (7%) is considered low.
How is UNIQA Insurance Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: UQA has a low level of unsold assets or inventory.
Debt Coverage by Assets: UQA's debt is covered by short term assets (assets are 1.5x debt).
Financial Institutions Analysis
Asset Level: UQA's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if UQA has a sufficient allowance for bad loans.
Low Risk Liabilities: UQA reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if UQA has an acceptable proportion of non-loan assets held.
Low Risk Deposits: UQA has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if UQA has an appropriate level of bad loans.
What is UNIQA Insurance Group's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: UQA's dividend (7.84%) is higher than the bottom 25% of dividend payers in the Austrian market (1.98%).
High Dividend: UQA's dividend (7.84%) is in the top 25% of dividend payers in the Austrian market (6.2%)
Stability and Growth of Payments
Stable Dividend: UQA's dividend payments have been volatile in the past 10 years.
Growing Dividend: UQA's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (71.1%), UQA's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: UQA's dividends in 3 years are forecast to be covered by earnings (61.3% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Andreas Brandstetter (50yo)
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 ($USD1.63M) is about average for companies of similar size in the Austrian market ($USD1.93M).
Compensation vs Earnings: Andreas's compensation has been consistent with company performance over the past year.
|Chairman of the Management Board||8.75yrs||€1.49m||no data|
|Member of the Management Board||5.25yrs||€1.38m||no data|
|Member of the Management Board & COO||3.83yrs||€852.00k||no data|
|Head of Investor Relations||no data||no data||no data|
|IR contact||no data||no data||no data|
Experienced Management: UQA's management team is seasoned and experienced (5.3 years average tenure).
|Chairman of Supervisory Board||7.92yrs||no data||no data|
|2nd Deputy Chairman of the Supervisory Board||7.92yrs||no data||no data|
|3rd Deputy Chairman of the Supervisory Board||1.92yrs||no data||0.0033% €70.6k|
|Supervisory Board Member||3.92yrs||no data||no data|
|Supervisory Board Member||20.58yrs||no data||0.00030% €6.3k|
|Supervisory Board Member||3.92yrs||no data||no data|
|Supervisory Board Member||7yrs||no data||0.000020% €423.0|
|1st Deputy Chairman of the Supervisory Board||13.92yrs||no data||no data|
|Supervisory Board Member||5.92yrs||no data||no data|
|Supervisory Board Member||4.92yrs||no data||0.00024% €5.1k|
Experienced Board: UQA's board of directors are considered experienced (6.5 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 company bio, employee growth, exchange listings and data sources
- Name: UNIQA Insurance Group AG
- Ticker: UQA
- Exchange: WBAG
- Founded: 1999
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: €2.115b
- Shares outstanding: 306.97m
- Website: https://www.uniqagroup.com
Number of Employees
- UNIQA Insurance Group AG
- Untere Donaustrasse 21
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|UQA||WBAG (Wiener Boerse AG)||Yes||Ordinary Shares||AT||EUR||Nov 1999|
|UN9||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Nov 1999|
|0GDR||LSE (London Stock Exchange)||Yes||Ordinary Shares||GB||EUR||Nov 1999|
|UQAV||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Shares||GB||EUR||Nov 1999|
|UN9||XTRA (XETRA Trading Platform)||Yes||Ordinary Shares||DE||EUR||Nov 1999|
|UQA||SEP (The Stock Exchange Prague Co. Ltd.)||Yes||Ordinary Shares||CZ||CZK||Nov 1999|
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 was founded in 1999 and is based in Vienna, Austria.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/01 20:48|
|End of Day Share Price||2020/04/01 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.