UNIQA INSURANCE GROUP AG (UN9.DE) Stock Fundamental Analysis
FRA:UN9 - AT0000821103 - Common Stock
12.12 EUR
-0.14 (-1.14%)
Taking everything into account, UN9 scores 5 out of 10 in our fundamental rating. UN9 was compared to 38 industry peers in the Insurance industry. The financial health of UN9 is average, but there are quite some concerns on its profitability. UN9 has a correct valuation and a medium growth rate. UN9 also has an excellent dividend rating.
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.
Of the past 5 years UN9 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 1.21%, UN9 perfoms like the industry average, outperforming 52.78% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.44%, UN9 is doing worse than 63.89% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of UN9 (4.90%) is worse than 77.78% 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: 69.44% of the companies in the same industry are doing better.
UN9's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
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.
The debt/assets ratio for UN9 has been reduced compared to a year ago.
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 (4.17) which is in line with 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 69.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 4.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.91%
2.3 Liquidity
A Current Ratio of 17.13 indicates that UN9 has no problem at all paying its short term obligations.
The Current ratio of UN9 (17.13) is better than 100.00% of its industry peers.
A Quick Ratio of 17.13 indicates that UN9 has no problem at all paying its short term obligations.
UN9 has a Quick ratio of 17.13. This is amongst the best in the industry. UN9 outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 17.13 | ||
| Quick Ratio | 17.13 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.81% over the past year.
The Earnings Per Share has been growing by 15.10% on average over the past years. This is quite good.
The Revenue has grown by 10.20% in the past year. This is quite good.
UN9 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.50% yearly.
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
Based on estimates for the next years, UN9 will show a small growth in Earnings Per Share. The EPS will grow by 7.53% on average per year.
Based on estimates for the next years, UN9 will show a very strong growth in Revenue. The Revenue will grow by 22.33% on average per year.
EPS Next Y12.45%
EPS Next 2Y9.2%
EPS Next 3Y7.34%
EPS Next 5Y7.53%
Revenue Next Year4.63%
Revenue Next 2Y4.72%
Revenue Next 3Y4.51%
Revenue Next 5Y22.33%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.73, the valuation of UN9 can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of UN9 indicates a somewhat cheap valuation: UN9 is cheaper than 72.22% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.06. UN9 is valued rather cheaply when compared to this.
UN9 is valuated reasonably with a Price/Forward Earnings ratio of 9.14.
UN9's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UN9 is cheaper than 77.78% of the companies in the same industry.
UN9's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.73 | ||
| Fwd PE | 9.14 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UN9 is valued cheaply inside the industry as 80.56% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as UN9.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.66 | ||
| EV/EBITDA | 6.77 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.86
PEG (5Y)0.71
EPS Next 2Y9.2%
EPS Next 3Y7.34%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.17%, UN9 is a good candidate for dividend investing.
UN9's Dividend Yield is rather good when compared to the industry average which is at 4.48. UN9 pays more dividend than 94.44% of the companies in the same industry.
UN9's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector 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
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.
The dividend of UN9 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP53.68%
EPS Next 2Y9.2%
EPS Next 3Y7.34%
FRA:UN9 (9/5/2025, 7:00:00 PM)
12.12
-0.14 (-1.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners6.47%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap3.75B
Analysts80
Price Target13.65 (12.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)7.99%
PT rev (3m)41.32%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.06%
EPS NY rev (3m)4.06%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.73 | ||
| Fwd PE | 9.14 | ||
| P/S | 0.53 | ||
| P/FCF | 9.66 | ||
| P/OCF | 5.61 | ||
| P/B | 1.23 | ||
| P/tB | 1.98 | ||
| EV/EBITDA | 6.77 |
EPS(TTM)1.13
EY9.32%
EPS(NY)1.33
Fwd EY10.94%
FCF(TTM)1.25
FCFY10.35%
OCF(TTM)2.16
OCFY17.84%
SpS22.97
BVpS9.84
TBVpS6.13
PEG (NY)0.86
PEG (5Y)0.71
Profitability
| Industry Rank | Sector 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%
ROICexcg growth 3YN/A
ROICexcg 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 Rank | Sector 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
WACC5.91%
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 Y12.45%
EPS Next 2Y9.2%
EPS Next 3Y7.34%
EPS Next 5Y7.53%
Revenue 1Y (TTM)10.2%
Revenue growth 3Y0.55%
Revenue growth 5Y3.5%
Sales Q2Q%9.33%
Revenue Next Year4.63%
Revenue Next 2Y4.72%
Revenue Next 3Y4.51%
Revenue Next 5Y22.33%
EBIT growth 1Y2%
EBIT growth 3Y-3.5%
EBIT growth 5Y9.38%
EBIT Next Year14.6%
EBIT Next 3Y7.56%
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%