XTRA:UN9

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UNIQA Insurance Group

Executive Summary

UNIQA Insurance Group AG operates as an insurance company in Austria, Central and Eastern Europe, and internationally.


Snowflake Analysis

Very undervalued with adequate balance sheet.


Similar Companies

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: UN9 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

4.5%

UN9

-1.6%

DE Insurance

0.7%

DE Market


1 Year Return

-32.4%

UN9

-6.4%

DE Insurance

8.8%

DE Market

Return vs Industry: UN9 underperformed the German Insurance industry which returned -6.5% over the past year.

Return vs Market: UN9 underperformed the German Market which returned 8.1% over the past year.


Shareholder returns

UN9IndustryMarket
7 Day4.5%-1.6%0.7%
30 Day-5.9%-2.6%0.1%
90 Day-8.2%15.3%12.6%
1 Year-30.4%-32.4%-1.3%-6.4%11.2%8.8%
3 Year-22.2%-33.2%23.3%7.3%5.4%-3.0%
5 Yearn/a55.8%23.6%15.9%0.3%

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

No news available

Valuation

Is UNIQA Insurance Group undervalued compared to its fair value and its price relative to the market?

47.4%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: UN9 (€5.57) is trading below our estimate of fair value (€10.59)

Significantly Below Fair Value: UN9 is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: UN9 is good value based on its PE Ratio (9.2x) compared to the DE Insurance industry average (11x).

PE vs Market: UN9 is good value based on its PE Ratio (9.2x) compared to the German market (21.5x).


Price to Earnings Growth Ratio

PEG Ratio: UN9 is good value based on its PEG Ratio (0.3x)


Price to Book Ratio

PB vs Industry: UN9 is good value based on its PB Ratio (0.6x) compared to the DE Insurance industry average (1x).


Next Steps

Future Growth

How is UNIQA Insurance Group forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

29.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: UN9's forecast earnings growth (29.1% per year) is above the savings rate (0.2%).

Earnings vs Market: UN9's earnings (29.1% per year) are forecast to grow faster than the German market (24.5% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: UN9's revenue (5.6% per year) is forecast to grow slower than the German market (5.9% per year).

High Growth Revenue: UN9's revenue (5.6% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: UN9's Return on Equity is forecast to be low in 3 years time (8.2%).


Next Steps

Past Performance

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

-7.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: UN9 has high quality earnings.

Growing Profit Margin: UN9's current net profit margins (3.1%) are lower than last year (3.9%).


Past Earnings Growth Analysis

Earnings Trend: UN9's earnings have declined by 7% per year over the past 5 years.

Accelerating Growth: UN9's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: UN9 had negative earnings growth (-15.8%) over the past year, making it difficult to compare to the Insurance industry average (-12.4%).


Return on Equity

High ROE: UN9's Return on Equity (6.3%) is considered low.


Next Steps

Financial Health

How is UNIQA Insurance Group's financial position?


Financial Position Analysis

Short Term Liabilities: UN9's short term assets (€1.8B) exceed its short term liabilities (€59.8M).

Long Term Liabilities: UN9's short term assets (€1.8B) do not cover its long term liabilities (€24.7B).


Debt to Equity History and Analysis

Debt Level: UN9's debt to equity ratio (29.8%) is considered satisfactory.

Reducing Debt: UN9's debt to equity ratio has increased from 18.3% to 29.8% over the past 5 years.

Debt Coverage: UN9's debt is well covered by operating cash flow (57.9%).

Interest Coverage: UN9's interest payments on its debt are well covered by EBIT (5.2x coverage).


Balance Sheet


Next Steps

Dividend

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

3.24%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: UN9's dividend (3.24%) is higher than the bottom 25% of dividend payers in the German market (1.23%).

High Dividend: UN9's dividend (3.24%) is low compared to the top 25% of dividend payers in the German market (3.78%).


Stability and Growth of Payments

Stable Dividend: UN9's dividend payments have been volatile in the past 10 years.

Growing Dividend: UN9's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (29.7%), UN9's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: UN9's dividends in 3 years are forecast to be covered by earnings (60.3% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.08yrs

Average management tenure


CEO

Andreas Brandstetter (51 yo)

9.08yrs

Tenure

€1,498,000

Compensation

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 ($USD1.77M) is about average for companies of similar size in the German market ($USD1.48M).

Compensation vs Earnings: Andreas's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Andreas Brandstetter
Chairman of the Management Board9.08yrs€1.50mno data
Kurt Svoboda
Member of the Management Board5.58yrs€1.26mno data
Eric Leyers
Member of the Management Board4.17yrs€788.00kno data
Klaus Pekarek
Member of the Management Board0.083yrno datano data
Wolfgang Kindl
Member of the Management Board0.083yr€816.00kno data
Peter Eichler
Member of the Management Board0.083yrno datano data
Wolf-Christoph Gerlach
Member of Management Board0.083yrno datano data
Rene Knapp
Member of Management Board0.083yrno datano data
Peter Humer
Member of the Management Board0.083yrno datano data
Michael Oplustil
Head of Investor Relationsno datano datano data
Stefan Glinz
IR contactno datano datano data

0.08yrs

Average Tenure

52yo

Average Age

Experienced Management: UN9's management team is not considered experienced ( 0.1 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Walter Rothensteiner
Chairman of Supervisory Board8.25yrs€104.00kno data
Johann Strobl
2nd Deputy Chairman of Supervisory Board0.58yrno datano data
Elgar Fleisch
Supervisory Board Member2.25yrs€65.00kno data
Burkhard Gantenbein
3rd Deputy Chairman of the Supervisory Board2.25yrs€106.00k0.0033%
€ 56.9k
Jutta Kath
Independent Supervisory Board Member4.25yrs€81.00kno data
Peter Gattinger
Supervisory Board Member4.25yrsno datano data
Heinrich Kames
Supervisory Board Member7.33yrsno data0.000020%
€ 340.7
Christian Kuhn
1st Deputy Chairman of the Supervisory Board14.25yrs€106.00kno data
Markus Andréewitch
Supervisory Board Member6.25yrs€52.00kno data
Harald Kindermann
Supervisory Board Member5.25yrsno data0.00024%
€ 4.1k
Mag Brunner
Supervisory Board Member2.25yrs€65.00k0.00057%
€ 9.7k
Martin Grüll
Member of Supervisory Board1.25yrs€41.00kno data

4.3yrs

Average Tenure

59yo

Average Age

Experienced Board: UN9's board of directors are considered experienced (4.3 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

UNIQA Insurance Group AG's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: UNIQA Insurance Group AG
  • Ticker: UN9
  • Exchange: XTRA
  • Founded:
  • Industry: Multi-line Insurance
  • Sector: Insurance
  • Market Cap: €1.704b
  • Shares outstanding: 306.97m
  • Website: https://www.uniqagroup.com

Number of Employees


Location

  • UNIQA Insurance Group AG
  • Untere Donaustrasse 21
  • Vienna
  • Vienna
  • 1029
  • Austria

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UQAWBAG (Wiener Boerse AG)YesOrdinary SharesATEURNov 1999
UN9DB (Deutsche Boerse AG)YesOrdinary SharesDEEURNov 1999
0GDRLSE (London Stock Exchange)YesOrdinary SharesGBEURNov 1999
UQAVBATS-CHIXE (BATS 'Chi-X Europe')YesOrdinary SharesGBEURNov 1999
UN9XTRA (XETRA Trading Platform)YesOrdinary SharesDEEURNov 1999
UQASEP (The Stock Exchange Prague Co. Ltd.)YesOrdinary SharesCZCZKNov 1999

Biography

UNIQA Insurance Group AG operates as an insurance company in Austria, Central and Eastern Europe, and internationally. It operates in UNIQA Austria, UNIQA International, and Reinsurance segments. The compa ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/10 21:42
End of Day Share Price2020/08/10 00:00
Earnings2020/03/31
Annual Earnings2019/12/31


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.