UNIQA Insurance Group AG

SEP:UQA Stock Report

Market Cap: Kč136.5b

UNIQA Insurance Group Valuation

Is UQA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: UQA (CZK444.2) is trading below our estimate of future cash flow value (CZK805.34)

Significantly Below Future Cash Flow Value: UQA is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for UQA?

Key metric: As UQA is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for UQA. This is calculated by dividing UQA's market cap by their current earnings.
What is UQA's PE Ratio?
PE Ratio13x
Earnings€433.75m
Market Cap€5.64b

Price to Earnings Ratio vs Peers

How does UQA's PE Ratio compare to its peers?

The above table shows the PE ratio for UQA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average21.3x
PSSA3 Porto Seguro
8.4x7.03%R$30.8b
SMMA Sinar Mas Multiartha
59.2xn/aRp128.5t
CLIS Clal Insurance Enterprises Holdings
7.9xn/a₪18.0b
MGDL Migdal Insurance and Financial Holdings
9.7xn/a₪18.2b
UQA UNIQA Insurance Group
13x6.29%Kč5.6b

Price-To-Earnings vs Peers: UQA is good value based on its Price-To-Earnings Ratio (13x) compared to the peer average (21.3x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does UQA's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
UQA 13.0xIndustry Avg. 13.0xNo. of Companies15PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: UQA is expensive based on its Price-To-Earnings Ratio (13x) compared to the European Insurance industry average (13x).

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.

UQA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate UQA's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst UQA forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentKč444.20
Kč438.49
-1.28%
8.24%Kč485.19Kč395.43n/a4
Aug ’27Kč435.40
Kč421.72
-3.14%
8.56%Kč483.35Kč393.93n/a4
Jul ’27Kč426.60
Kč421.72
-1.14%
8.56%Kč483.35Kč393.93n/a4
Jun ’27Kč429.20
Kč420.40
-2.05%
8.93%Kč485.31Kč395.52n/a4
May ’27Kč393.60
Kč419.33
+6.54%
7.97%Kč477.15Kč396.81n/a4
Apr ’27Kč378.00
Kč410.66
+8.64%
8.89%Kč479.10Kč369.10n/a5
Mar ’27Kč403.50
Kč402.55
-0.24%
9.59%Kč475.29Kč363.75n/a5
Feb ’27Kč383.50
Kč386.85
+0.87%
5.27%Kč412.58Kč361.61n/a5
Jan ’27Kč376.00
Kč382.60
+1.76%
5.61%Kč411.66Kč360.81n/a4
Dec ’26Kč365.50
Kč369.18
+1.01%
6.83%Kč410.87Kč343.20n/a4
Nov ’26Kč309.50
Kč334.89
+8.20%
11.12%Kč391.41Kč299.03n/a4
Oct ’26Kč305.50
Kč334.89
+9.62%
11.12%Kč391.41Kč299.03n/a4
Sep ’26Kč304.00
Kč330.48
+8.71%
11.41%Kč394.86Kč301.66n/a4
Aug ’26Kč299.00
Kč322.09
+7.72%
11.23%Kč381.10Kč285.21Kč435.404
Jul ’26Kč281.00
Kč307.78
+9.53%
18.63%Kč383.18Kč222.49Kč426.604
Jun ’26Kč305.50
Kč283.92
-7.06%
18.99%Kč361.13Kč224.15Kč429.204
May ’26Kč249.00
Kč231.87
-6.88%
9.71%Kč250.22Kč200.18Kč393.603
Apr ’26Kč245.40
Kč231.87
-5.51%
9.71%Kč250.22Kč200.18Kč378.003
Mar ’26Kč220.80
Kč227.39
+2.98%
13.60%Kč251.72Kč183.76Kč403.503
Feb ’26Kč204.00
Kč214.47
+5.13%
14.62%Kč245.83Kč183.12Kč383.502
Jan ’26Kč194.50
Kč216.10
+11.10%
13.95%Kč246.25Kč185.94Kč376.002
Dec ’25Kč185.00
Kč202.11
+9.25%
6.58%Kč215.41Kč188.80Kč365.502
Nov ’25Kč183.50
Kč202.54
+10.37%
5.26%Kč213.20Kč191.88Kč309.502
Oct ’25Kč189.40
Kč202.54
+6.94%
5.26%Kč213.20Kč191.88Kč305.502
Sep ’25n/a
Kč205.37
0%
3.66%Kč212.89Kč197.86Kč304.002
Kč437.3
Fair Value
1.6% overvalued intrinsic discount
4
Number of Analysts

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/08/13 18:19
End of Day Share Price 2026/08/13 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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