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1. Company Snapshot

1.a. Company Description

UNIQA Insurance Group AG operates as an insurance company in Austria, and Central and Eastern Europe.It operates through UNIQA Austria, UNIQA International, and Reinsurance segments.The company's product portfolio includes life, health, property and casualty, fire and business interruption, household and other property, liability, legal expense, motor TPL and other motor, and other insurance products, as well as marine, aviation, and transport insurance products.


It also engages in reinsurance business.The company offers its products and services through various distribution channels, including sales force, general agencies, brokers, banks, and direct sales.The company was formerly known as UNIQA Versicherungen AG and changed its name to UNIQA Insurance Group AG in July 2013.


UNIQA Insurance Group AG was founded in 1811 and is based in Vienna, Austria.

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1.b. Last Insights on UQA

UNIQA Insurance Group AG's recent performance is driven by its robust business conditions. The company's strong capital position and solid earnings release have been notable. Additionally, its integrated business model and diversified product offerings have been beneficial. A recent rating upgrade by Fitch Ratings, citing the company's stable outlook, has also contributed positively. UNIQA's strategic focus on digitalization and innovation is expected to drive growth. The company's commitment to a stable dividend policy and a share buyback program has enhanced shareholder value.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (7.45%)

6. Segments

Life Insurance

Expected Growth: 7%

UNIQA's 7% growth in Life Insurance is driven by increasing demand for protection and retirement products, expansion into Central and Eastern Europe, and a strong distribution network. Additionally, the company's digitalization efforts and innovative product offerings, such as unit-linked and index-linked insurance, have contributed to its growth.

Property & Casualty Insurance

Expected Growth: 9%

UNIQA's 9% growth in Property & Casualty Insurance is driven by increasing demand for motor insurance in Central and Eastern Europe, expansion into new markets, and a strong underwriting performance. Additionally, the company's digitalization efforts and cost savings initiatives have improved operational efficiency, contributing to the segment's growth.

Health Insurance

Expected Growth: 6%

UNIQA's Health Insurance growth is driven by increasing healthcare expenditure, an aging population, and government initiatives promoting private health insurance. Additionally, the company's strong distribution network, diversified product offerings, and effective risk management strategies contribute to its 6% growth rate.

7. Detailed Products

Life Insurance

Provides financial protection to the policyholder's family in the event of death or terminal illness.

Health Insurance

Covers medical expenses, including hospital stays, doctor visits, and prescription medications.

Property Insurance

Protects against damage or loss to property, including homes, buildings, and contents.

Liability Insurance

Provides financial protection in the event of accidents or injuries to others, including personal liability and professional liability.

Motor Insurance

Covers damages to vehicles, as well as liability for accidents involving other drivers or pedestrians.

Accident Insurance

Provides financial protection in the event of accidents, including death, disability, or injury.

Travel Insurance

Covers unexpected events that may occur while traveling, including trip cancellations, medical emergencies, and luggage loss.

Investment Products

Offers a range of investment options, including unit-linked life insurance and pension plans.

8. UNIQA Insurance Group AG's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for UNIQA Insurance Group AG is moderate due to the presence of alternative insurance providers and financial institutions offering similar products.

Bargaining Power Of Customers

The bargaining power of customers is low due to the lack of concentration in the insurance industry, making it difficult for individual customers to negotiate prices.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate due to the presence of a few large reinsurers and insurance companies that can influence prices and terms.

Threat Of New Entrants

The threat of new entrants is low due to the high capital requirements and regulatory barriers to entry in the insurance industry.

Intensity Of Rivalry

The intensity of rivalry is high due to the presence of many established insurance companies and the need to differentiate products and services to attract customers.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 36.95%
Debt Cost 4.27%
Equity Weight 63.05%
Equity Cost 7.96%
WACC 6.60%
Leverage 58.60%

11. Quality Control: UNIQA Insurance Group AG passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Aviva

A-Score: 7.5/10

Value: 6.5

Growth: 5.4

Quality: 5.7

Yield: 9.4

Momentum: 9.0

Volatility: 9.3

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Ageas

A-Score: 7.3/10

Value: 5.9

Growth: 4.1

Quality: 7.5

Yield: 9.4

Momentum: 7.0

Volatility: 10.0

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UNIQA

A-Score: 7.1/10

Value: 6.3

Growth: 3.6

Quality: 6.2

Yield: 8.1

Momentum: 9.5

Volatility: 8.7

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Unipol Gruppo

A-Score: 7.0/10

Value: 6.6

Growth: 3.7

Quality: 6.6

Yield: 8.8

Momentum: 9.0

Volatility: 7.3

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Aegon

A-Score: 6.8/10

Value: 9.2

Growth: 2.1

Quality: 7.6

Yield: 7.5

Momentum: 7.0

Volatility: 7.7

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NN Group

A-Score: 6.8/10

Value: 4.3

Growth: 3.3

Quality: 7.2

Yield: 8.8

Momentum: 8.0

Volatility: 9.3

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

14.8$

Current Price

14.8$

Potential

-0.00%

Expected Cash-Flows