UNIQA INSURANCE GROUP AG (UN9.DE) Stock Fundamental Analysis
Europe - FRA:UN9 - AT0000821103 - Common Stock
12.84 EUR
+0.22 (+1.74%)
Taking everything into account, UN9 scores 5 out of 10 in our fundamental rating. UN9 was compared to 40 industry peers in the Insurance industry. While UN9 seems to be doing ok healthwise, 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.
UN9 had positive earnings in each of the past 5 years.
UN9 had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.21%, UN9 perfoms like the industry average, outperforming 57.50% of the companies in the same industry.
The Return On Equity of UN9 (11.44%) is worse than 62.50% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 4.90%, UN9 is doing worse than 75.00% of the companies in the same industry.
UN9's Profit Margin has improved in the last couple of years.
UN9 has a Operating Margin of 7.27%. This is in the lower half of the industry: UN9 underperforms 70.00% of its industry peers.
In the last couple of years the Operating Margin of UN9 has grown nicely.
| 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.
UN9 has about the same amout of shares outstanding than it did 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.
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.
UN9's Debt to FCF ratio of 4.17 is in line compared to the rest of the industry. UN9 outperforms 42.50% of its industry peers.
A Debt/Equity ratio of 0.53 indicates that UN9 is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.53, UN9 is doing good in the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 4.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.98%
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 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 better Quick ratio (17.13) than 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.
UN9 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.10% yearly.
The Revenue has grown by 10.20% in the past year. This is quite good.
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
UN9 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.62% yearly.
The Revenue is expected to grow by 22.20% on average over the next years. This is a very strong growth
EPS Next Y14.74%
EPS Next 2Y10.04%
EPS Next 3Y8.21%
EPS Next 5Y8.62%
Revenue Next Year38.89%
Revenue Next 2Y21.11%
Revenue Next 3Y15.55%
Revenue Next 5Y22.2%
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 11.36, the valuation of UN9 can be described as reasonable.
UN9's Price/Earnings ratio is a bit cheaper when compared to the industry. UN9 is cheaper than 70.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of UN9 to the average of the S&P500 Index (27.86), we can say UN9 is valued rather cheaply.
UN9 is valuated reasonably with a Price/Forward Earnings ratio of 9.54.
Based on the Price/Forward Earnings ratio, UN9 is valued a bit cheaper than 70.00% of the companies in the same industry.
UN9 is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.36 | ||
| Fwd PE | 9.54 |
4.2 Price Multiples
77.50% of the companies in the same industry are more expensive than UN9, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as UN9.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.23 | ||
| EV/EBITDA | 7.12 |
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)0.77
PEG (5Y)0.75
EPS Next 2Y10.04%
EPS Next 3Y8.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.17%, UN9 is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.55, UN9 pays a better dividend. On top of this UN9 pays more dividend than 95.00% of the companies listed in the same industry.
UN9's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| 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
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 2Y10.04%
EPS Next 3Y8.21%
FRA:UN9 (10/3/2025, 7:00:00 PM)
12.84
+0.22 (+1.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners6.46%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap3.97B
Analysts80
Price Target13.87 (8.02%)
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)3.64%
PT rev (3m)16.86%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.03%
EPS NY rev (3m)6.17%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)32.75%
Revenue NY rev (3m)33.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.36 | ||
| Fwd PE | 9.54 | ||
| P/S | 0.56 | ||
| P/FCF | 10.23 | ||
| P/OCF | 5.94 | ||
| P/B | 1.31 | ||
| P/tB | 2.09 | ||
| EV/EBITDA | 7.12 |
EPS(TTM)1.13
EY8.8%
EPS(NY)1.35
Fwd EY10.48%
FCF(TTM)1.25
FCFY9.77%
OCF(TTM)2.16
OCFY16.84%
SpS22.97
BVpS9.84
TBVpS6.13
PEG (NY)0.77
PEG (5Y)0.75
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
WACC5.98%
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 Y14.74%
EPS Next 2Y10.04%
EPS Next 3Y8.21%
EPS Next 5Y8.62%
Revenue 1Y (TTM)10.2%
Revenue growth 3Y0.55%
Revenue growth 5Y3.5%
Sales Q2Q%9.33%
Revenue Next Year38.89%
Revenue Next 2Y21.11%
Revenue Next 3Y15.55%
Revenue Next 5Y22.2%
EBIT growth 1Y2%
EBIT growth 3Y-3.5%
EBIT growth 5Y9.38%
EBIT Next Year18.32%
EBIT Next 3Y9.37%
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%