UNIQA INSURANCE GROUP AG (UN9.DE) Fundamental Analysis & Valuation

FRA:UN9 • AT0000821103

Current stock price

15.86 EUR
+0.46 (+2.99%)
Last:

This UN9.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. UN9.DE Profitability Analysis

1.1 Basic Checks

  • UN9 had positive earnings in the past year.
  • In the past year UN9 had a positive cash flow from operations.
  • UN9 had positive earnings in each of the past 5 years.
  • Of the past 5 years UN9 4 years had a positive operating cash flow.
UN9.DE Yearly Net Income VS EBIT VS OCF VS FCFUN9.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M

1.2 Ratios

  • UN9's Return On Assets of 1.21% is in line compared to the rest of the industry. UN9 outperforms 47.62% of its industry peers.
  • UN9's Return On Equity of 11.44% is on the low side compared to the rest of the industry. UN9 is outperformed by 64.29% of its industry peers.
Industry RankSector Rank
ROA 1.21%
ROE 11.44%
ROIC N/A
ROA(3y)1.08%
ROA(5y)0.86%
ROE(3y)12.26%
ROE(5y)9.38%
ROIC(3y)N/A
ROIC(5y)N/A
UN9.DE Yearly ROA, ROE, ROICUN9.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • UN9 has a worse Profit Margin (4.90%) than 76.19% of its industry peers.
  • In the last couple of years the Profit Margin of UN9 has grown nicely.
  • With a Operating Margin value of 7.27%, UN9 is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
  • In the last couple of years the Operating Margin of UN9 has grown nicely.
Industry RankSector Rank
OM 7.27%
PM (TTM) 4.9%
GM N/A
OM growth 3Y-4.03%
OM growth 5Y5.69%
PM growth 3Y2.81%
PM growth 5Y11.36%
GM growth 3YN/A
GM growth 5YN/A
UN9.DE Yearly Profit, Operating, Gross MarginsUN9.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

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5

2. UN9.DE Health Analysis

2.1 Basic Checks

  • UN9 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for UN9 remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for UN9 remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for UN9 has been reduced compared to a year ago.
UN9.DE Yearly Shares OutstandingUN9.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
UN9.DE Yearly Total Debt VS Total AssetsUN9.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of UN9 is 4.17, which is a neutral value as it means it would take UN9, 4.17 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 4.17, UN9 is doing worse than 61.90% of the companies in the same industry.
  • UN9 has a Debt/Equity ratio of 0.53. This is a neutral value indicating UN9 is somewhat dependend on debt financing.
  • UN9 has a Debt to Equity ratio of 0.53. This is comparable to the rest of the industry: UN9 outperforms 59.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 4.17
Altman-Z N/A
ROIC/WACCN/A
WACC6.38%
UN9.DE Yearly LT Debt VS Equity VS FCFUN9.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

  • UN9 has a Current Ratio of 17.13. This indicates that UN9 is financially healthy and has no problem in meeting its short term obligations.
  • UN9 has a better Current ratio (17.13) than 97.62% of its industry peers.
  • A Quick Ratio of 17.13 indicates that UN9 has no problem at all paying its short term obligations.
  • UN9's Quick ratio of 17.13 is amongst the best of the industry. UN9 outperforms 97.62% of its industry peers.
Industry RankSector Rank
Current Ratio 17.13
Quick Ratio 17.13
UN9.DE Yearly Current Assets VS Current LiabilitesUN9.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. UN9.DE Growth Analysis

3.1 Past

  • UN9 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.81%, which is quite good.
  • UN9 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.10% yearly.
  • UN9 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.20%.
  • The Revenue has been growing slightly by 3.50% on average over the past years.
EPS 1Y (TTM)14.81%
EPS 3Y3.15%
EPS 5Y15.1%
EPS Q2Q%7.78%
Revenue 1Y (TTM)10.2%
Revenue growth 3Y0.55%
Revenue growth 5Y3.5%
Sales Q2Q%9.33%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.66% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 24.14% on average over the next years. This is a very strong growth
EPS Next Y19.83%
EPS Next 2Y14.1%
EPS Next 3Y11.98%
EPS Next 5Y10.66%
Revenue Next Year98.63%
Revenue Next 2Y45.65%
Revenue Next 3Y31.02%
Revenue Next 5Y24.14%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
UN9.DE Yearly Revenue VS EstimatesUN9.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B
UN9.DE Yearly EPS VS EstimatesUN9.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.5 1 1.5 2

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5

4. UN9.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.04, which indicates a correct valuation of UN9.
  • UN9's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, UN9 is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 10.96, the valuation of UN9 can be described as reasonable.
  • UN9's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.68, UN9 is valued rather cheaply.
Industry RankSector Rank
PE 14.04
Fwd PE 10.96
UN9.DE Price Earnings VS Forward Price EarningsUN9.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UN9 indicates a rather cheap valuation: UN9 is cheaper than 83.33% of the companies listed in the same industry.
  • UN9's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.64
EV/EBITDA 8.56
UN9.DE Per share dataUN9.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • UN9's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.71
PEG (5Y)0.93
EPS Next 2Y14.1%
EPS Next 3Y11.98%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. UN9.DE Dividend Analysis

5.1 Amount

  • UN9 has a Yearly Dividend Yield of 7.17%, which is a nice return.
  • UN9's Dividend Yield is rather good when compared to the industry average which is at 4.54. UN9 pays more dividend than 92.86% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, UN9 pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.17%

5.2 History

  • The dividend of UN9 has a limited annual growth rate of 1.51%.
Dividend Growth(5Y)1.51%
Div Incr Years3
Div Non Decr Years5
UN9.DE Yearly Dividends per shareUN9.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • UN9 pays out 53.68% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of UN9 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP53.68%
EPS Next 2Y14.1%
EPS Next 3Y11.98%
UN9.DE Yearly Income VS Free CF VS DividendUN9.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M
UN9.DE Dividend Payout.UN9.DE Dividend Payout, showing the Payout Ratio.UN9.DE Dividend Payout.PayoutRetained Earnings

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UN9.DE Fundamentals: All Metrics, Ratios and Statistics

UNIQA INSURANCE GROUP AG

FRA:UN9 (4/8/2026, 7:00:00 PM)

15.86

+0.46 (+2.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-13
Earnings (Next)05-29
Inst Owners7.32%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap4.90B
Revenue(TTM)7.10B
Net Income(TTM)347.64M
Analysts75.56
Price Target16.85 (6.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.17%
Yearly Dividend0.58
Dividend Growth(5Y)1.51%
DP53.68%
Div Incr Years3
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)8.55%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)42.1%
Valuation
Industry RankSector Rank
PE 14.04
Fwd PE 10.96
P/S 0.69
P/FCF 12.64
P/OCF 7.34
P/B 1.61
P/tB 2.59
EV/EBITDA 8.56
EPS(TTM)1.13
EY7.12%
EPS(NY)1.45
Fwd EY9.12%
FCF(TTM)1.25
FCFY7.91%
OCF(TTM)2.16
OCFY13.63%
SpS22.97
BVpS9.84
TBVpS6.13
PEG (NY)0.71
PEG (5Y)0.93
Graham Number15.81
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 11.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 7.27%
PM (TTM) 4.9%
GM N/A
FCFM 5.46%
ROA(3y)1.08%
ROA(5y)0.86%
ROE(3y)12.26%
ROE(5y)9.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)1.64%
ROCE(5y)1.49%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-4.03%
OM growth 5Y5.69%
PM growth 3Y2.81%
PM growth 5Y11.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 4.17
Debt/EBITDA 2.5
Cap/Depr 213.94%
Cap/Sales 3.95%
Interest Coverage 10.68
Cash Conversion 103.22%
Profit Quality 111.53%
Current Ratio 17.13
Quick Ratio 17.13
Altman-Z N/A
F-Score8
WACC6.38%
ROIC/WACCN/A
Cap/Depr(3y)137.25%
Cap/Depr(5y)118.5%
Cap/Sales(3y)2.38%
Cap/Sales(5y)2.32%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.81%
EPS 3Y3.15%
EPS 5Y15.1%
EPS Q2Q%7.78%
EPS Next Y19.83%
EPS Next 2Y14.1%
EPS Next 3Y11.98%
EPS Next 5Y10.66%
Revenue 1Y (TTM)10.2%
Revenue growth 3Y0.55%
Revenue growth 5Y3.5%
Sales Q2Q%9.33%
Revenue Next Year98.63%
Revenue Next 2Y45.65%
Revenue Next 3Y31.02%
Revenue Next 5Y24.14%
EBIT growth 1Y2%
EBIT growth 3Y-3.5%
EBIT growth 5Y9.38%
EBIT Next Year224.18%
EBIT Next 3Y55.63%
EBIT Next 5YN/A
FCF growth 1Y75.57%
FCF growth 3Y-8.76%
FCF growth 5Y3.44%
OCF growth 1Y105.66%
OCF growth 3Y-7.18%
OCF growth 5Y2.24%

UNIQA INSURANCE GROUP AG / UN9.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of UNIQA INSURANCE GROUP AG (UN9.DE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to UN9.DE.


What is the valuation status for UN9 stock?

ChartMill assigns a valuation rating of 5 / 10 to UNIQA INSURANCE GROUP AG (UN9.DE). This can be considered as Fairly Valued.


How profitable is UNIQA INSURANCE GROUP AG (UN9.DE) stock?

UNIQA INSURANCE GROUP AG (UN9.DE) has a profitability rating of 3 / 10.


What are the PE and PB ratios of UNIQA INSURANCE GROUP AG (UN9.DE) stock?

The Price/Earnings (PE) ratio for UNIQA INSURANCE GROUP AG (UN9.DE) is 14.04 and the Price/Book (PB) ratio is 1.61.


What is the financial health of UNIQA INSURANCE GROUP AG (UN9.DE) stock?

The financial health rating of UNIQA INSURANCE GROUP AG (UN9.DE) is 5 / 10.