UQA Stock Analysis: UNIQA Insurance | VI
Insurance - Diversified | VI, Austria | Market Cap: 5.372m EUR | 12M Return: 48.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.09M
Qual. Beats: 1
Rev. Trend: 96.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
UNIQA Insurance Group AG is an Austrian insurance company headquartered in Vienna, founded in 1811 (formerly known as UNIQA Versicherungen AG until its 2013 renaming). The company operates through three reporting segments-UNIQA Austria, UNIQA International, and Reinsurance-serving customers in Austria and across Central and Eastern Europe (CEE).
Its product portfolio is broad, spanning life and health insurance alongside property, casualty, motor vehicle, liability, household, fire, marine, aviation, and transport insurance, as well as medical expense, income protection, and workers compensation cover. Distribution is multi-channel, combining a direct sales force, general agencies, brokers, bank partnerships, and direct sales.
As a multi-line insurer, UNIQA pools premiums from a diversified mix of personal and commercial lines and channels a portion of its risk exposure into its reinsurance segment, a common industry structure used to stabilize results against large or catastrophe-driven claims. The CEE footprint is a notable feature of its business model: insurance penetration in the region historically trails Western European averages, which has long made CEE expansion a strategic priority for established Austrian and Western European carriers seeking growth markets.
- CEE International segment premium growth accelerates
- Combined ratio improvement supports underwriting profitability
- Higher Eurozone interest rates lift investment income yields
| Net Income: 371.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.43 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.04 > 3% & CFO 1.14b > Net Income 371.0m |
| Net Debt (-571.3m) to EBITDA (1.21b): -0.47 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (307.0m) vs 12m ago 0.0% < -2% |
| Gross Margin: 93.98% > 18% (prev 124.0%; Δ -30.01% > 0.5%) |
| Asset Turnover: 21.71% > 50% (prev 21.01%; Δ 0.70% > 0%) |
| Interest Coverage Ratio: 18.87 > 6 (EBIT TTM 838.2m / Interest Expense TTM 44.4m) |
As of July 28, 2026, the stock is trading at EUR 17.50 with a total of 103,967 shares traded. Over the past week, the price has changed by +3.31%, over one month by +0.34%, over three months by +13.82% and over the past year by +48.49%.
Current recommended Stop Loss: 16.60 (which is 5.1% or 2.4 ATR below the current price).
UNIQA Insurance has no consensus analysts rating.
P/E Trailing = 12.6812
P/E Forward = 6.7613
P/S = 0.6981
P/B = 1.7333
P/EG = 0.087
Revenue TTM = 6.25b EUR
EBIT TTM = 838.2m EUR
EBITDA TTM = 1.21b EUR
Long Term Debt = 1.31b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 88.5m EUR (Leases only: 88.5m)
Net Debt = -571.3m EUR (calculated: Debt 88.5m - CCE 659.8m)
Enterprise Value = 4.80b EUR (5.37b + Debt 88.5m - CCE 659.8m)
Interest Coverage Ratio = 18.87 (Ebit TTM 838.2m / Interest Expense TTM 44.4m)
EV/FCF = 5.70x (Enterprise Value 4.80b / FCF TTM 841.7m)
FCF Yield = 17.53% (FCF TTM 841.7m / Enterprise Value 4.80b)
FCF Margin = 13.47% (FCF TTM 841.7m / Revenue TTM 6.25b)
Net Margin = 5.93% (Net Income TTM 371.0m / Revenue TTM 6.25b)
Gross Margin = 93.98% ((Revenue TTM 6.25b - Cost of Revenue TTM 376.3m) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.17 (Enterprise Value 4.80b / Total Assets 29.0b)
Interest Expense / Debt = 50.21% (Interest Expense 44.4m / Debt 88.5m)
Taxrate = 24.29% (118.5m / 488.0m)
NOPAT = 634.6m (EBIT 838.2m * (1 - 24.29%))
Current Ratio = unknown (Total Current Assets 14.0b / Total Current Liabilities none)
Debt / Equity = 0.03 (Debt 88.5m / totalStockholderEquity, last quarter 3.06b)
Debt / EBITDA = -0.47 (Net Debt -571.3m / EBITDA 1.21b)
Debt / FCF = -0.68 (Net Debt -571.3m / FCF TTM 841.7m)
Total Stockholder Equity = 2.92b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.29% (Net Income 371.0m / Total Assets 29.0b)
RoE = 12.69% (Net Income TTM 371.0m / Total Stockholder Equity 2.92b)
RoCE = 19.81% (EBIT 838.2m / Capital Employed (Equity 2.92b + L.T.Debt 1.31b))
RoIC = unknown (NOPAT 634.6m, Invested Capital 0.0, EBIT 838.2m)
WACC = 6.98% (E(5.37b)/V(5.46b) * Re(7.10%) + (debt cost/tax rate unavailable))
Discount Rate = 7.10% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 25.82 | Cagr: -0.59%
[DCF] Terminal Value 77.97% ; FCFF base≈673.1m ; Y1≈771.6m ; Y5≈1.14b
[DCF] Fair Price = 57.53 (EV 17.1b - Net Debt -571.3m = Equity 17.7b / Shares 307.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.88 | # QB: 1
Revenue Correlation: 96.23 | Revenue CAGR: 7.89% | SUE: -0.47 | # QB: 0
EPS current Quarter (2026-03-31): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2025-12-31): EPS=1.39 | Chg30d=+0.22% | Revisions=+0% | GrowthEPS=+23.4% | GrowthRev=+0.0%
EPS next Year (2026-12-31): EPS=1.55 | Chg30d=+8.33% | Revisions=+25% | GrowthEPS=+12.2% | GrowthRev=+5.8%
[Analyst] Revisions Ratio: +17% (up=2, down=1)