UNIQA Insurance Group UQA.VI
AustriaFinancial Services · Insurance - DiversifiedWiener Börse · EUR
18.07 EUR (+6.2%)
4 analysts
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UNIQA Insurance Group is an Austrian insurer offering life, health and non-life insurance, with a strong presence in Austria and Central and Eastern European (CEE) markets.
Listed on Wiener Börse · Symbol UQA.VI · VIE: UQA · Currency EUR
Key points
from its scores- ✓Good share-price trend8.5
- ✓Attractive dividend7.9
- ✓Favourable backdrop7.9
- ✕Little competitive advantage2.6
- ✕Fragile balance sheet4.9
AI analysis
bottom line, main risk, context and newsThe combination of moderate valuation, double-digit growth and a sustainable dividend is attractive for a long-term investment profile.
UNIQA presents a balanced profile: reasonable valuation (P/E 11.66), solid growth (earnings +20.9%) and an attractive dividend (net yield 3.70%), although the quality of the operating margin is low (1.44%). Momentum is very strong (42.32% over 12 months).
The main risk is the low quality of the operating margin (1.44%), which reflects potential competitive pressure in the non-life business and could limit future profitability if revenue growth decelerates.
Context and risks
UNIQA operates in Austria and Central and Eastern Europe, markets with solid institutional governance. The main qualitative risk is the EU insurance regulatory framework (Solvency II), which is stable and predictable, so the penalty is moderate and reflects the reference country risk.
Is UNIQA Insurance Group stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 11.7 | 13.7 | −15% |
| EV / EBITDA | 7.0 | 10.1 | −30% |
| Price / book | 1.7 | 1.9 | −8% |
| Price / sales | 0.7 | 3.5 | −81% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.8 out of 10 (median for Financial Services: 5.2).
Average analyst target: 18.07 EUR, +6.2% versus the price.
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 11.7
- Forward P/E
- 10.4
- EV / EBITDA
- 7.0
- Price / book
- 1.7
- Price / sales
- 0.7
- PEG
- 0.09
- Market cap
- 5.2B EUR
- Enterprise value
- 3.4B EUR
Profitability
- ROE
- 13.7%
- ROA
- 0.7%
- ROIC (approx.)
- 2.4%
- Gross margin
- 17.5%
- Operating margin
- 1.4%
- Net margin
- 5.7%
- Free cash flow
- −455.8M EUR
- FCF yield
- −8.7%
- Cash conversion
- −96%
Solvency
- Total debt
- 1.8B EUR
- Net debt
- −2.0B EUR
- Cash
- 3.8B EUR
- EBITDA
- 476.6M EUR
- Net debt / EBITDA
- −4.17
- Debt / equity
- 52.73
- Current ratio
- 1,029.32
- Quick ratio
- 933.04
Growth
- Revenue growth
- +12.1%
- Earnings growth
- +20.9%
- EPS (TTM)
- 1.46 EUR
- EPS (forward)
- 1.64 EUR
Dividend
- Dividend yield
- 4.2%
- Payout
- 49.3%
Risk and market
- Beta
- 0.56
- Analyst consensus
- Buy (4)
- Target price
- 18.07 EUR
- 52-week range
- 12.20 – 19.00
Recent news
All UQA.VI news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about UNIQA Insurance Group
Is UNIQA Insurance Group stock cheap or expensive?
On P/E and Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 5.8 out of 10 (median for Financial Services: 5.2). Average analyst target: 18.07 EUR, +6.2% versus the price. This is not investment advice.
What score does UNIQA Insurance Group get on MeridIAn Screener?
It scores 6.0 out of 10, rank 1,033 of 2,130 (better than 51% of the companies analysed). Its strongest category is Momentum (8.5) and its weakest, Quality / Moat (2.6). Analysis of 08/10/2026.
What is UNIQA Insurance Group's P/E ratio?
Its P/E is 11.7: the share price equals 11.7 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 10.4.
How much is UNIQA Insurance Group worth on the stock market?
Its market capitalisation is 5.2B EUR.
Does UNIQA Insurance Group pay a dividend?
Yes: its dividend yield is 4.23% and it pays out 49% of its earnings.
How has UNIQA Insurance Group stock performed over the last year?
It has risen 33.4% over the last year, excluding dividends. Over the last 52 weeks it has traded between 12.20 and 19.00 EUR. Past performance does not guarantee future results.
What do analysts think of UNIQA Insurance Group?
4 analysts cover it; their average recommendation is “Buy” and their average target is 18.07 EUR (+6.2% versus the price). It is an estimate, not market data.