UNIQA INSURANCE GROUP AG (UN9.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:UN9 - AT0000821103 - Common Stock
15.66 EUR
+0.04 (+0.26%)
Overall UN9 gets a fundamental rating of 5 out of 10. We evaluated UN9 against 48 industry peers in the Insurance industry. UN9 scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. UN9 is not priced too expensively while it is growing strongly. Keep and eye on this one! UN9 also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year UN9 was profitable.
- UN9 had a positive operating cash flow in the past year.
- In the past 5 years UN9 has always been profitable.
- UN9 had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- UN9 has a Return On Assets of 1.21%. This is comparable to the rest of the industry: UN9 outperforms 50.00% of its industry peers.
- With a Return On Equity value of 11.44%, UN9 is not doing good in the industry: 70.83% of the companies in the same industry are doing better.
| 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
- UN9 has a Profit Margin of 4.90%. This is in the lower half of the industry: UN9 underperforms 79.17% of its industry peers.
- In the last couple of years the Profit Margin of UN9 has grown nicely.
- Looking at the Operating Margin, with a value of 7.27%, UN9 is doing worse than 72.92% of the companies in the same industry.
- 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.
- UN9 has a better debt/assets ratio than last year.
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 worse Debt to FCF ratio (4.17) than 68.75% 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 64.58% 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
WACC6.39%
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's Current ratio of 17.13 is amongst the best of the industry. UN9 outperforms 97.92% 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 97.92% 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.
- 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.
- 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
- Based on estimates for the next years, UN9 will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.68% on average per year.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- UN9 is valuated correctly with a Price/Earnings ratio of 13.86.
- 60.42% of the companies in the same industry are more expensive than UN9, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of UN9 to the average of the S&P500 Index (27.38), we can say UN9 is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 10.87, the valuation of UN9 can be described as very reasonable.
- UN9's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of UN9 to the average of the S&P500 Index (24.29), we can say UN9 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.86 | ||
| Fwd PE | 10.87 |
4.2 Price Multiples
- UN9's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. UN9 is cheaper than 77.08% 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.48 | ||
| EV/EBITDA | 8.45 |
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.
- UN9's earnings are expected to grow with 12.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.71
PEG (5Y)0.92
EPS Next 2Y13.87%
EPS Next 3Y12.06%
5. Dividend
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 4.19. UN9 pays more dividend than 93.75% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, UN9 pays a better dividend.
| 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.
- 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%
FRA:UN9 (1/19/2026, 7:00:00 PM)
15.66
+0.04 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-20 2025-11-20
Earnings (Next)03-13 2026-03-13
Inst Owners7.04%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap4.84B
Revenue(TTM)7.10B
Net Income(TTM)347.64M
Analysts76
Price Target15.52 (-0.89%)
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)0%
PT rev (3m)11.92%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.86 | ||
| Fwd PE | 10.87 | ||
| P/S | 0.68 | ||
| P/FCF | 12.48 | ||
| P/OCF | 7.24 | ||
| P/B | 1.59 | ||
| P/tB | 2.55 | ||
| EV/EBITDA | 8.45 |
EPS(TTM)1.13
EY7.22%
EPS(NY)1.44
Fwd EY9.2%
FCF(TTM)1.25
FCFY8.01%
OCF(TTM)2.16
OCFY13.81%
SpS22.97
BVpS9.84
TBVpS6.13
PEG (NY)0.71
PEG (5Y)0.92
Graham Number15.81
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%
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 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
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%.