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 25% per year, which means it is tracking significantly ahead of earnings growth. Declared Dividend • Mar 22
Dividend increased to €0.72 Dividend of €0.72 is 20% higher than last year. Ex-date: 18th June 2026 Payment date: 22nd June 2026 Dividend yield will be 4.9%, which is higher than the industry average of 3.8%. 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 26% 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. 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%. Within top quartile of German dividend payers (4.3%). Higher than average of industry peers (3.5%). 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. 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 increased to €0.60 Dividend of €0.60 is 5.3% higher than last year. Ex-date: 12th June 2025 Payment date: 16th June 2025 Dividend yield will be 6.5%, which is higher than the industry average of 3.8%. 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 25
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 fallen by 1% per year, 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 Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. 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%. Within top quartile of German dividend payers (4.5%). Higher than average of industry peers (4.2%). 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 7% 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 increased to €0.57 Dividend of €0.57 is 3.6% higher than last year. Ex-date: 13th June 2024 Payment date: 17th June 2024 Dividend yield will be 7.0%, which is higher than the industry average of 3.8%. 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 10% 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: 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. Buying Opportunity • Jun 15
Now 23% undervalued The stock has been flat over the last 90 days. The fair value is estimated to be €9.77, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.3% over the last 3 years. Earnings per share has grown by 51%. 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%. Within top quartile of German dividend payers (4.7%). Higher than average of industry peers (4.4%). Reported Earnings • Apr 20
Full year 2022 earnings released: EPS: €1.25 (vs €1.03 in FY 2021) Full year 2022 results: EPS: €1.25 (up from €1.03 in FY 2021). Revenue: €6.98b (flat on FY 2021). Net income: €383.0m (up 22% from FY 2021). Profit margin: 5.5% (up from 4.5% in FY 2021). Over the last 3 years on average, earnings per share has increased by 51% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth. Buying Opportunity • Apr 14
Now 20% undervalued Over the last 90 days, the stock is up 6.1%. The fair value is estimated to be €10.01, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.5% over the last 3 years. Earnings per share has grown by 51%. Buying Opportunity • Mar 15
Now 22% undervalued Over the last 90 days, the stock is up 13%. The fair value is estimated to be €9.85, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.5% over the last 3 years. Earnings per share has grown by 51%. Revenue is forecast to grow by 9.0% in 2 years. Earnings is forecast to decline by 16% in the next 2 years. Buying Opportunity • Feb 06
Now 20% undervalued Over the last 90 days, the stock is up 12%. The fair value is estimated to be €9.74, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 6.9% over the last 3 years. Earnings per share has grown by 22%. Revenue is forecast to decline by 4.7% in 2 years. Earnings is forecast to grow by 4.0% in the next 2 years. 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 27% growth forecast for the Insurance industry in Germany. 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 7% 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 German dividend payers (4.3%). Higher than average of industry peers (5.0%). 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 24% growth forecast for the industry in Germany. 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 5% 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 20% growth forecast for the insurance industry in Germany. 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 9% 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 03
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 German dividend payers (3.2%). Lower than average of industry peers (4.2%). 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). Over the last 3 years on average, earnings per share has fallen by 35% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings. 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). Over the last 3 years on average, earnings per share has fallen by 31% per year but the company’s share price has only fallen by 12% per year, which means it has not declined as severely as earnings. Is New 90 Day High Low • Jan 06
New 90-day high: €6.66 The company is up 27% from its price of €5.25 on 08 October 2020. The German market is up 7.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 12% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €15.78 per share. Is New 90 Day High Low • Dec 16
New 90-day high: €6.47 The company is up 16% from its price of €5.56 on 17 September 2020. The German market is up 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €12.63 per share. Is New 90 Day High Low • Nov 16
New 90-day high: €5.72 The company is up 1.0% from its price of €5.68 on 18 August 2020. The German market is also up 1.0% over the last 90 days, indicating the company’s price trend is similar to the market over that time. However, it underperformed the Insurance industry, which is up 4.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €11.00 per share. Is New 90 Day High Low • Oct 27
New 90-day low: €4.89 The company is down 14% from its price of €5.67 on 29 July 2020. The German market is down 4.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Insurance industry, which is down 13% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €10.98 per share. Is New 90 Day High Low • Sep 22
New 90-day low: €5.17 The company is down 13% from its price of €5.91 on 24 June 2020. The German market is up 4.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Insurance industry, which is down 5.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €11.05 per share.