profit from every €100 of sales.
€0€100
UNIQA Insurance Group
€18.74+2.18% today
+23.5% since Dec 18, 25
1-year low €14.641-year high €18.80
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €13.56 for every €1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What UNIQA Insurance Group sold, what it kept, and what it did with the cash.
Sales went from €3.44 billion in 2022 to €5.93 billion in 2025, with €425 million of profit last year.
SalesProfit
UNIQA Insurance Group handed back 22% of the cash it generated last year.
€185M
Free cash flow 2025€842M
Bought back its own shares–
Paid as dividends€185M
Cash vs. debt€660M vs. €1.4B
UNIQA Insurance Group vs. similar companies
UNIQA Insurance Group grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| UNIQA Insurance Group | 13.6× · Cheap | ||
 Allianz | 16.3× · Fair price | ||
 Zurich Insurance Group | 16.8× · Fair price | ||
 AXA SA | 9.8× · Cheap | ||
 Assicurazioni Generali | 16.1× · Fair price |
AI analysis
An AI analyst reads UNIQA Insurance Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 3,439 | 5,092 | 5,702 | 5,928 | |
| – | – | – | – | |
| – | – | – | – | |
| 416 | 597 | 617 | 704 | |
| 256 | 303 | 348 | 425 | |
| 0.83 | 0.99 | 1.13 | – | |
| – | – | – | – | |
| – | – | – | – | |
| 7.4% | 5.9% | 6.1% | 7.2% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 26,641 | 28,151 | 28,532 | 29,048 |
| Cash | 668 | – | – | 660 |
| Total debt | 1,747 | 1,588 | 1,592 | 1,397 |
| Total liabilities | 24,740 | 25,421 | 25,591 | 25,883 |
| 1,883 | 2,710 | 2,890 | 3,064 | |
| 307 | 307 | 307 | – | |
| 6.3% | 7.8% | 7.7% | 8.8% | |
| 13.6% | 11.2% | 12.0% | 13.9% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -532 | 325 | 581 | 1,138 | |
| 166 | 123 | 161 | 296 | |
| -698 | 202 | 420 | 842 | |
| Dividends paid | 169 | 169 | 178 | 185 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.6×
- –
- –
- 1.7×
- 1.0×
- 7.4%
- 3.2%
Profitability
- 7.2%
- 8.8%
- 7.6%
- –
- –
Growth
- +19.9%
- –
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 31%of 758
Top 49%of 874
Top 27%of 887
Top 15%of 933
3.2%of the share price, paid each year
On $1,000 invested$32a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
43.5% of its profit
Room to growStretchedMore than it earns: 21.9%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
67Pass
Benjamin Graham
75Pass
Philip Fisher
56No pass
Peter Lynch
72Pass
Joel Greenblatt
43No pass
Charlie Munger
43No pass
Terry Smith
46No pass
Questions about UNIQA Insurance Group
Is UNIQA Insurance Group a good stock to buy?
A business with weak numbers, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the UNIQA Insurance Group AI analysis
What does UNIQA Insurance Group do?
UNIQA Insurance Group AG operates as an insurance company in Austria and Central and Eastern Europe. The company operates through the UNIQA Austria, UNIQA International, and Reinsurance segments. It is in Insurance - Diversified, based in Vienna, Austria, with 14,850 employees.
Does UNIQA Insurance Group pay a dividend?
Yes. At today's price the dividend is 3.2% a year, about 43% of its yearly profit. In 2025 it paid out €185 million in dividends.
Is UNIQA Insurance Group stock halal?
No. UNIQA Insurance Group does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
Who are UNIQA Insurance Group's competitors?
The largest listed companies in the same industry are Allianz, Zurich Insurance Group, AXA SA and Assicurazioni Generali. The peers table on this page compares their profit, growth and price with UNIQA Insurance Group's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.