Upcoming Dividend • Jun 11
Upcoming dividend of €0.72 per share Eligible shareholders must have bought the stock before 18 June 2026. Payment date: 22 June 2026. Payout ratio is a comfortable 52% and this is well supported by cash flows. Trailing yield: 4.2%. Lower than top quartile of Czech dividend payers (8.2%). Lower than average of industry peers (4.8%). Reported Earnings • Apr 26
Full year 2025 earnings released: EPS: €1.38 (vs €1.13 in FY 2024) Full year 2025 results: EPS: €1.38 (up from €1.13 in FY 2024). Revenue: €7.56b (up 7.1% from FY 2024). Net income: €424.8m (up 23% from FY 2024). Profit margin: 5.6% (up from 4.9% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.9% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has increased by 28% per year, which means it is tracking significantly ahead of earnings growth. New Risk • Apr 04
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Czech stocks, typically moving 4.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.0% average weekly change). Declared Dividend • Mar 22
Dividend of €0.72 announced Shareholders will receive a dividend of €0.72. Ex-date: 18th June 2026 Payment date: 22nd June 2026 Dividend yield will be 0.2%, which is lower than the industry average of 13%. Sustainability & Growth Dividend is covered by both earnings (52% earnings payout ratio) and cash flows (57% cash payout ratio). The dividend has increased by an average of 4.4% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 19% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Reported Earnings • Mar 15
Full year 2025 earnings released: EPS: €1.68 (vs €1.13 in FY 2024) Full year 2025 results: EPS: €1.68 (up from €1.13 in FY 2024). Revenue: €7.80b (up 11% from FY 2024). Net income: €516.4m (up 50% from FY 2024). Profit margin: 6.6% (up from 4.9% in FY 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has increased by 25% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Dec 09
UNIQA Insurance Group AG, Annual General Meeting, Jun 09, 2026 UNIQA Insurance Group AG, Annual General Meeting, Jun 09, 2026. New Risk • Sep 11
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Czech stocks, typically moving 4.1% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.1% average weekly change). Announcement • Jun 05
UNIQA Insurance Group AG Approves a Dividend Payment for the Financial Year 2024, Payable on 16 June 2025 The 26th Annual General Meeting of UNIQA Insurance Group AG held on 2 June 2025, approved a dividend payment of 60 cents per dividend entitled share for the financial year 2024. Dividend payment is 16 June 2025 (value date to the custodian bank). Dividend payment will be made through credit of the custodian bank. Shares of UNIQA Insurance Group AG (ISIN AT0000821103) are traded ex-dividend 2024 on the Vienna Stock Exchange from 12 June 2025. Record date is 13 June 2025. Upcoming Dividend • Jun 05
Upcoming dividend of €0.60 per share Eligible shareholders must have bought the stock before 12 June 2025. Payment date: 16 June 2025. Payout ratio is a comfortable 53% and this is well supported by cash flows. Trailing yield: 4.7%. Lower than top quartile of Czech dividend payers (7.2%). In line with average of industry peers (4.3%). Reported Earnings • May 29
First quarter 2025 earnings released First quarter 2025 results: EPS: €0.49. Revenue: €1.77b (up 6.8% from 1Q 2024). Net income: €151.1m (up 4.1% from 1Q 2024). Profit margin: 8.5% (down from 8.7% in 1Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.0% p.a. on average during the next 3 years, compared to a 5.4% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has increased by 19% per year, which means it is tracking significantly ahead of earnings growth. New Risk • Mar 17
New major risk - Revenue and earnings growth Earnings are forecast to decline by an average of 0.7% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.7% per year for the foreseeable future. Minor Risk Dividend is not well covered by cash flows (94% cash payout ratio). Declared Dividend • Mar 16
Dividend of €0.60 announced Shareholders will receive a dividend of €0.60. Ex-date: 12th June 2025 Payment date: 16th June 2025 Dividend yield will be 0.3%, which is lower than the industry average of 13%. Sustainability & Growth Dividend is covered by earnings (49% earnings payout ratio) but not adequately covered by cash flows (94% cash payout ratio). The dividend has increased by an average of 5.0% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 18% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Announcement • Mar 14
UNIQA Insurance Group AG announces Annual dividend, payable on June 16, 2025 UNIQA Insurance Group AG announced Annual dividend of EUR 0.6000 per share payable on June 16, 2025, ex-date on June 12, 2025 and record date on June 13, 2025. Announcement • Jan 27
UNIQA Insurance Group AG, Annual General Meeting, Jun 02, 2025 UNIQA Insurance Group AG, Annual General Meeting, Jun 02, 2025. Reported Earnings • Aug 24
First half 2024 earnings released: EPS: €0.70 (vs €0.56 in 1H 2023) First half 2024 results: EPS: €0.70 (up from €0.56 in 1H 2023). Revenue: €3.49b (down 7.6% from 1H 2023). Net income: €215.7m (up 26% from 1H 2023). Profit margin: 6.2% (up from 4.5% in 1H 2023). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has remained flat, which means it is significantly lagging earnings. New Risk • Aug 23
New major risk - Revenue and earnings growth Earnings are forecast to decline by an average of 0.6% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.6% per year for the foreseeable future. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (4.5% average weekly change). Upcoming Dividend • Jun 06
Upcoming dividend of €0.57 per share Eligible shareholders must have bought the stock before 13 June 2024. Payment date: 17 June 2024. Payout ratio is a comfortable 54% and the cash payout ratio is 83%. Trailing yield: 6.9%. Lower than top quartile of Czech dividend payers (8.6%). Higher than average of industry peers (5.1%). Announcement • Jun 05
UNIQA Insurance Group AG Approves Dividend for Financial Year 2023, Payable on June 17, 2024 UNIQA Insurance Group AG at its Annual General Meeting held on June 03, 2024 approved a dividend payment of 57 cents per dividend entitled share for the financial year 2023. Dividend payment will be made on June 17, 2024 (value date to the custodian bank). Dividend payment will be made through credit of the custodian bank. Record date is June 14, 2024. Reported Earnings • Apr 14
Full year 2023 earnings released: EPS: €1.05 (vs €0.83 in FY 2022) Full year 2023 results: EPS: €1.05 (up from €0.83 in FY 2022). Revenue: €6.49b (up 17% from FY 2022). Net income: €322.0m (up 26% from FY 2022). Profit margin: 5.0% (up from 4.6% in FY 2022). The increase in margin was driven by higher revenue. Combined ratio: 89.4% (down from 91.7% in FY 2022). Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth. Reported Earnings • Mar 10
Full year 2023 earnings released Full year 2023 results: Revenue: €6.68b (down 4.3% from FY 2022). Net income: €426.4m (up 11% from FY 2022). Profit margin: 6.4% (up from 5.5% in FY 2022). The increase in margin was driven by lower expenses. Declared Dividend • Mar 10
Dividend of €0.57 announced Shareholders will receive a dividend of €0.57. Ex-date: 13th June 2024 Payment date: 17th June 2024 Dividend yield will be 0.3%, which is lower than the industry average of 13%. Sustainability & Growth Dividend is covered by both earnings (36% earnings payout ratio) and cash flows (61% cash payout ratio). The dividend has increased by an average of 8.2% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 12% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Reported Earnings • Aug 28
First half 2023 earnings released: EPS: €0.56 (vs €0.28 in 1H 2022) First half 2023 results: EPS: €0.56 (up from €0.28 in 1H 2022). Revenue: €3.78b (up 14% from 1H 2022). Net income: €171.6m (up 97% from 1H 2022). Profit margin: 4.5% (up from 2.6% in 1H 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 57% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth. New Risk • Aug 28
New minor risk - Financial position The company has a high level of debt. Net debt to equity ratio: 47% This is considered a minor risk. Having a high level of debt increases the company's balance sheet risk. The company has a higher interest repayment burden, leading to the need to allocate a greater amount of its earnings towards servicing the debt, potentially limiting growth options or shareholder distributions. It can also increase the risk of bankruptcy if business conditions deteriorate enough that the company can no longer meet its debt obligations. Currently, the following risks have been identified for the company: Major Risk Shares are highly illiquid. Minor Risks High level of debt (47% net debt to equity). Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Upcoming Dividend • Jun 08
Upcoming dividend of €0.55 per share at 6.8% yield Eligible shareholders must have bought the stock before 15 June 2023. Payment date: 19 June 2023. Payout ratio is a comfortable 44% but the company is not cash flow positive. Trailing yield: 6.8%. Lower than top quartile of Czech dividend payers (8.8%). Higher than average of industry peers (5.2%). Reported Earnings • Aug 22
Second quarter 2022 earnings released: EPS: €19.31 (vs €0.27 in 2Q 2021) Second quarter 2022 results: EPS: €19.31 (up from €0.27 in 2Q 2021). Revenue: €1.91b (up 11% from 2Q 2021). Net income: €6.01b (up €5.92b from 2Q 2021). Over the next year, revenue is expected to shrink by 12% compared to a 113% growth forecast for the Insurance industry in Czech Republic. Over the last 3 years on average, earnings per share has increased by 34% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings. Upcoming Dividend • May 26
Upcoming dividend of €0.55 per share Eligible shareholders must have bought the stock before 02 June 2022. Payment date: 07 June 2022. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 7.3%. Within top quartile of Czech dividend payers (5.8%). Higher than average of industry peers (5.4%). Reported Earnings • May 22
First quarter 2022 earnings released: EPS: €0.29 (vs €0.29 in 1Q 2021) First quarter 2022 results: EPS: €0.29 (down from €0.29 in 1Q 2021). Revenue: €1.64b (down 5.0% from 1Q 2021). Net income: €89.0m (flat on 1Q 2021). Profit margin: 5.4% (up from 5.2% in 1Q 2021). The increase in margin was driven by lower expenses. Over the next year, revenue is expected to shrink by 12% compared to a 16% growth forecast for the industry in Europe. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings. Reported Earnings • Apr 14
Full year 2021 earnings released: EPS: €1.03 (vs €0.063 in FY 2020) Full year 2021 results: EPS: €1.03 (up from €0.063 in FY 2020). Revenue: €6.98b (up 15% from FY 2020). Net income: €314.7m (up €295.3m from FY 2020). Profit margin: 4.5% (up from 0.3% in FY 2020). The increase in margin was driven by higher revenue. Over the next year, revenue is expected to shrink by 12% compared to a 15% growth forecast for the insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 10% per year. Reported Earnings • Feb 25
Full year 2021 earnings: Revenues in line with analyst expectations Full year 2021 results: Revenue: €6.35b (up 4.3% from FY 2020). Net income: €315.0m (up €295.6m from FY 2020). Profit margin: 5.0% (up from 0.3% in FY 2020). Revenue was in line with analyst estimates. Upcoming Dividend • Jun 04
Upcoming dividend of €0.18 per share Eligible shareholders must have bought the stock before 10 June 2021. Payment date: 14 June 2021. Trailing yield: 2.4%. Lower than top quartile of Czech dividend payers (5.4%). Lower than average of industry peers (4.7%). Reported Earnings • May 24
First quarter 2021 earnings released: EPS €0.29 (vs €0.043 loss in 1Q 2020) The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: €1.57b (up 3.6% from 1Q 2020). Net income: €89.0m (up €102.2m from 1Q 2020). Profit margin: 5.7% (up from net loss in 1Q 2020). Reported Earnings • Apr 14
Full year 2020 earnings released: EPS €0.063 (vs €0.56 in FY 2019) The company reported a soft full year result with weaker earnings and profit margins, although revenues improved. Full year 2020 results: Revenue: €6.08b (up 1.8% from FY 2019). Net income: €19.4m (down 89% from FY 2019). Profit margin: 0.3% (down from 2.9% in FY 2019). Valuation Update With 7 Day Price Move • Nov 23
Market bids up stock over the past week After last week's 16% share price gain to €164, the stock is trading at a trailing P/E ratio of 11.4x, up from the previous P/E ratio of 9.8x. This compares to an average P/E of 11x in the Insurance industry in Europe. Total return to shareholders over the past year is a loss of 25%.