UNIQA INSURANCE GROUP AG (UN9.DE) Stock Fundamental Analysis

FRA:UN9 • AT0000821103

15.68 EUR
+0.26 (+1.69%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to UN9. UN9 was compared to 44 industry peers in the Insurance industry. The financial health of UN9 is average, but there are quite some concerns on its profitability. UN9 is not priced too expensively while it is growing strongly. Keep and eye on this one! Finally UN9 also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year UN9 was profitable.
  • In the past year UN9 had a positive cash flow from operations.
  • In the past 5 years UN9 has always been profitable.
  • UN9 had a positive operating cash flow in 4 of the past 5 years.
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 has a Return On Assets (1.21%) which is comparable to the rest of the industry.
  • UN9 has a Return On Equity of 11.44%. This is in the lower half of the industry: UN9 underperforms 69.77% 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's Profit Margin of 4.90% is on the low side compared to the rest of the industry. UN9 is outperformed by 76.74% of its industry peers.
  • UN9's Profit Margin has improved in the last couple of years.
  • With a Operating Margin value of 7.27%, UN9 is not doing good in the industry: 69.77% of the companies in the same industry are doing better.
  • UN9's Operating Margin has improved in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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.
  • Compared to 5 years ago, UN9 has about the same amount of shares outstanding.
  • UN9 has a better debt/assets ratio than last year.
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

  • UN9 has a debt to FCF ratio of 4.17. This is a neutral value as UN9 would need 4.17 years to pay back of all of its debts.
  • UN9 has a Debt to FCF ratio of 4.17. This is in the lower half of the industry: UN9 underperforms 72.09% of its industry peers.
  • A Debt/Equity ratio of 0.53 indicates that UN9 is somewhat dependend on debt financing.
  • UN9 has a Debt to Equity ratio of 0.53. This is in the better half of the industry: UN9 outperforms 62.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF 4.17
Altman-Z N/A
ROIC/WACCN/A
WACC6.39%
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 97.67% of its industry peers.
  • A Quick Ratio of 17.13 indicates that UN9 has no problem at all paying its short term obligations.
  • The Quick ratio of UN9 (17.13) is better than 97.67% 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 14.81% over the past year.
  • Measured over the past years, UN9 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.10% on average per year.
  • Looking at the last year, UN9 shows a quite strong growth in Revenue. The Revenue has grown by 10.20% in the last year.
  • Measured over the past years, UN9 shows a small growth in Revenue. The Revenue has been growing by 3.50% on average per year.
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 10.68% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 22.29% on average over the next years. This is a very strong growth
EPS Next Y19.42%
EPS Next 2Y13.87%
EPS Next 3Y12.06%
EPS Next 5Y10.68%
Revenue Next Year39.78%
Revenue Next 2Y22.05%
Revenue Next 3Y16.39%
Revenue Next 5Y22.29%

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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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. Valuation

4.1 Price/Earnings Ratio

  • UN9 is valuated correctly with a Price/Earnings ratio of 13.88.
  • UN9's Price/Earnings ratio is in line with the industry average.
  • UN9's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.
  • Based on the Price/Forward Earnings ratio of 10.88, the valuation of UN9 can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UN9 is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. UN9 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.88
Fwd PE 10.88
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

  • Based on the Enterprise Value to EBITDA ratio, UN9 is valued a bit cheaper than 76.74% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UN9 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.5
EV/EBITDA 8.35
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.
  • A more expensive valuation may be justified as UN9's earnings are expected to grow with 12.06% in the coming years.
PEG (NY)0.71
PEG (5Y)0.92
EPS Next 2Y13.87%
EPS Next 3Y12.06%

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

8

5. Dividend

5.1 Amount

  • UN9 has a Yearly Dividend Yield of 7.17%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.18, UN9 pays a better dividend. On top of this UN9 pays more dividend than 93.02% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.84, 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 Years2
Div Non Decr Years4
UN9.DE Yearly Dividends per shareUN9.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 53.68% of the earnings are spent on dividend by UN9. This is a bit on the high side, but may be sustainable.
  • UN9's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP53.68%
EPS Next 2Y13.87%
EPS Next 3Y12.06%
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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UNIQA INSURANCE GROUP AG

FRA:UN9 (2/13/2026, 7:00:00 PM)

15.68

+0.26 (+1.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-20
Earnings (Next)03-13
Inst Owners7.04%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap4.85B
Revenue(TTM)7.10B
Net Income(TTM)347.64M
Analysts76
Price Target15.91 (1.47%)
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 Years2
Div Non Decr Years4
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)2.51%
PT rev (3m)14.55%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)4.08%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.64%
Valuation
Industry RankSector Rank
PE 13.88
Fwd PE 10.88
P/S 0.68
P/FCF 12.5
P/OCF 7.25
P/B 1.59
P/tB 2.56
EV/EBITDA 8.35
EPS(TTM)1.13
EY7.21%
EPS(NY)1.44
Fwd EY9.19%
FCF(TTM)1.25
FCFY8%
OCF(TTM)2.16
OCFY13.79%
SpS22.97
BVpS9.84
TBVpS6.13
PEG (NY)0.71
PEG (5Y)0.92
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
WACC6.39%
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 Y19.42%
EPS Next 2Y13.87%
EPS Next 3Y12.06%
EPS Next 5Y10.68%
Revenue 1Y (TTM)10.2%
Revenue growth 3Y0.55%
Revenue growth 5Y3.5%
Sales Q2Q%9.33%
Revenue Next Year39.78%
Revenue Next 2Y22.05%
Revenue Next 3Y16.39%
Revenue Next 5Y22.29%
EBIT growth 1Y2%
EBIT growth 3Y-3.5%
EBIT growth 5Y9.38%
EBIT Next Year122.52%
EBIT Next 3Y37.6%
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 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.


Can you provide the profitability details for UNIQA INSURANCE GROUP AG?

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


What is the earnings growth outlook for UNIQA INSURANCE GROUP AG?

The Earnings per Share (EPS) of UNIQA INSURANCE GROUP AG (UN9.DE) is expected to grow by 19.42% in the next year.


Can you provide the dividend sustainability for UN9 stock?

The dividend rating of UNIQA INSURANCE GROUP AG (UN9.DE) is 8 / 10 and the dividend payout ratio is 53.68%.