Cash flow UNIQA Insurance Group AG

Stocks

UQA

AT0000821103

Multiline Insurance & Brokers

Market Closed - Wiener Boerse Other stock markets 11:35:11 2026-06-11 am EDT			After hours 01:10:52 pm
17.20 ^EUR	+0.47%		17.22	+0.12%

04:47am	Uniqa Insurance to Redeem Subordinated Tier 2 Bond Due in July Ahead of Schedule	MT
Jun. 10	UNIQA Insurance Group AG Approves Dividend for the Financial Year 2025, Payable on 22 June 2026	CI

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Published financial data: UNIQA INSURANCE GROUP AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Premiums and Annuity Revenues	5.7B	5.95B	5.99B	6.56B	7.12B
Total Interest And Dividend Income	886M	614M	34.28M	-4.93M	-63.33M
Gain (Loss) on Sale of Assets, Total (Rev)	-	-	-	-	-
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	29.33M	80.1M	51.3M
Other Revenues, Total	396M	416M	436M	425M	453M
Total Revenues	6.98B	6.98B	6.49B	7.06B	7.56B
Policy Benefits	4.1B	4.1B	5.29B	5.9B	6.28B
Policy Acquisition / Underwriting Costs, Total	1.05B	1.19B	-	-	-
Amortization of Goodwill and Intangible Assets - (IS)	58.81M	42.03M	28.26M	25.93M	33.46M
Other Operating Expenses	1.26B	1.21B	643M	680M	779M
Reinsurance Income Or Expense	23.59M	27.25M	-141M	-96.26M	-124M
Total Operating Expenses	6.45B	6.51B	6.1B	6.7B	7.22B
Operating Income	531M	467M	391M	355M	339M
Interest Expense, Total	-135M	-52.16M	-51.42M	-48.38M	-44.42M
Income (Loss) on Equity Invest.	-	-	86.63M	135M	221M
Currency Exchange Gains (Loss)	-1.82M	7.1M	-	-	-
Other Non Operating Income (Expenses)	-1K	0	-	3K	-
EBT, Excl. Unusual Items	394M	422M	426M	442M	516M
Impairment of Goodwill	-12.1M	-71K	-	-	-
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	382M	422M	426M	442M	516M
Income Tax Expense	64.38M	32.43M	103M	93.68M	93.1M
Earnings From Continuing Operations	318M	389M	323M	348M	423M
Earnings Of Discontinued Operations	-	-	-19.33M	2.28M	-
Net Income to Company	318M	389M	304M	350M	423M
Minority Interest	-3.21M	-6.29M	-1.12M	-2.82M	1.59M
Net Income - (IS)	315M	383M	303M	348M	425M
Net Income to Common Incl Extra Items	315M	383M	303M	348M	425M
Net Income to Common Excl. Extra Items	315M	383M	322M	345M	425M
Per Share Items
Net EPS - Basic	1.03	1.25	0.99	1.13	1.38
Basic EPS - Continuing Operations	1.03	1.25	1.05	1.13	1.38
Basic Weighted Average Shares Outstanding	307M	307M	307M	307M	307M
Net EPS - Diluted	1.03	1.25	0.99	1.13	1.38
Diluted EPS - Continuing Operations	1.03	1.25	1.05	1.13	1.38
Diluted Weighted Average Shares Outstanding	307M	307M	307M	307M	307M
Normalized Basic EPS	0.79	0.84	0.86	0.89	1.06
Normalized Diluted EPS	0.79	0.84	0.86	0.89	1.06
Dividend Per Share	0.55	0.55	0.57	0.6	0.72
Payout Ratio	17.56	44.08	55.78	50.33	43.35
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
EBITDA	649M	562M	492M	509M	464M
EBITA	623M	537M	464M	434M	399M
EBIT	531M	467M	391M	355M	339M
EBITDAR	654M	568M	496M	516M	473M
Effective Tax Rate - (Ratio)	16.84	7.69	24.21	21.2	18.03
Total Current Taxes	99.17M	73.13M	37.69M	101M	107M
Total Deferred Taxes	-34.79M	-40.7M	65.54M	-6.98M	-13.44M
Normalized Net Income	243M	257M	265M	273M	324M
Interest on Long-Term Debt	998K	924K	869K	1.28M	1.24M
Non-Cash Pension Expense	-5.62M	1.34M	14.89M	12.86M	11.61M
Supplemental Operating Expense Items
Net Rental Expense, Total	5.08M	6.43M	4.1M	6.63M	9.04M
Imputed Operating Lease Interest Expense	3.09M	1.52M	1.01M	1.6M	2.14M
Imputed Operating Lease Depreciation	1.99M	4.91M	3.1M	5.03M	6.9M
Stock-Based Comp., Other (Total)	2.68M	1.19M	3.06M	2.1M	2.1M
Total Stock-Based Compensation	2.68M	1.19M	3.06M	2.1M	2.1M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Investment In Debt Securities	17.9B	14.15B	12.84B	13B	13.03B
Investment In Equity and Preferred Securities, Total	656M	759M	1B	1.1B	1.26B
Trading Asset Securities, Total	291M	523M	3.57B	3.76B	4B
Real Estate Owned	1.24B	1.3B	2.41B	2.38B	2.37B
Total Other Investments	1.33B	1.1B	-	-	-
Total investments	21.42B	17.83B	19.82B	20.24B	20.66B
Cash And Equivalents	593M	668M	700M	637M	660M
Reinsurance Recoverable - (IS)	687M	718M	495M	544M	516M
Other Receivables - (Insurance Template)	1.07B	1.32B	1.05B	1.06B	978M
Deferred Policy Acquisition Costs - (BS)	1.18B	1.2B	-	-	-
Separate Account Assets	5.15B	3.96B	4.3B	4.36B	4.53B
Gross Property Plant And Equipment	757M	754M	780M	779M	834M
Accumulated Depreciation	-391M	-405M	-388M	-398M	-429M
Net Property Plant And Equipment	365M	349M	391M	380M	405M
Goodwill	353M	358M	368M	344M	370M
Other Intangibles, Total	359M	429M	505M	557M	585M
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	2.79M	27.22M	316M	212M	8.36M
Deferred Tax Assets Long-Term (Collected)	84.91M	163M	79.22M	90.58M	135M
Other Long-Term Assets, Total	279M	1.18B	133M	109M	197M
Total Assets	31.55B	28.2B	28.15B	28.53B	29.05B
Liabilities
Accrued Expenses, Total	395M	389M	302M	379M	362M
Insurance And Annuity Liabilities	14.51B	13.79B	21.9B	19.18B	19.51B
Unpaid Claims	3.88B	4.1B	-	3.02B	3.39B
Unearned Premiums	971M	1.02B	-	-	-
Reinsurance Payable - (BS)	163M	169M	109M	85.52M	81.66M
Current Portion of Long-Term Debt	13.97M	-	10.53M	27.11M	12.96M
Current Portion of Leases	8M	6.07M	9.24M	12.19M	14.48M
Short-Term Borrowings	-	-	-	-	-
Long-Term Debt	1.66B	1.67B	1.5B	1.49B	1.3B
Long-Term Leases	93.98M	86.69M	75.59M	70.41M	74M
Separate Account Liability	5.03B	3.88B	-	-	-
Current Income Taxes Payable	115M	78.3M	48.07M	72.79M	70.76M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	-	275M	142M	-
Pension & Other Post Retirement Benefits	466M	384M	423M	385M	336M
Deferred Tax Liability Non-Current	382M	51.78M	151M	133M	87.6M
Other Non Current Liabilities	531M	519M	614M	592M	651M
Total Liabilities	28.22B	26.14B	25.42B	25.59B	25.88B
Common Stock, Total	1.79B	1.79B	1.79B	1.79B	1.79B
Retained Earnings	1.65B	1.89B	1.62B	1.79B	2.06B
Treasury Stock	-16.61M	-16.61M	-16.61M	-16.61M	-16.61M
Comprehensive Income and Other	-120M	-1.63B	-686M	-673M	-770M
Total Common Equity	3.3B	2.03B	2.71B	2.89B	3.06B
Minority Interest	19.68M	18.35M	19.92M	51.69M	101M
Total Equity	3.32B	2.05B	2.73B	2.94B	3.16B
Total Liabilities And Equity	31.55B	28.2B	28.15B	28.53B	29.05B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	307M	307M	307M	307M	307M
ECS Total Common Shares Outstanding	307M	307M	307M	307M	307M
Book Value / Share	10.76	6.63	8.83	9.41	9.98
Tangible Book Value	2.59B	1.25B	1.84B	1.99B	2.11B
Tangible Book Value Per Share	8.44	4.06	5.98	6.48	6.87
Total Debt	1.78B	1.76B	1.59B	1.6B	1.4B
Net Debt	1.19B	1.09B	895M	967M	738M
Debt Equivalent of Unfunded Proj. Benefit Obligation	466M	384M	423M	385M	336M
Debt Equivalent Oper. Leases	40.65M	51.42M	32.83M	53.04M	72.34M
Minority Interest, Total (Incl. Fin. Div)	19.68M	18.35M	19.92M	51.69M	101M
Equity Method Investments, Total	656M	759M	814M	900M	944M
Account Code - Inventory Valuation	3	3	3	3	3
Land - (BS)	368M	367M	377M	368M	377M
Full Time Employees	22.4K	21.2K	21K	15.12K	14.85K
Part Time Employees	-	-	-	317	185

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	315M	383M	303M	348M	425M
Depreciation, Depletion & Amortization	44.23M	40.01M	43.02M	94.26M	83.01M
Amortization of Goodwill and Intangible Assets - (CF)	91.86M	70.21M	72.66M	78.99M	59.93M
Total Depreciation, Depletion & Amortization	136M	110M	116M	173M	143M
Amortization of Deferred Charges, Total	-	-	843K	2.12M	2.88M
(Gain) Loss on Sale of Investments - (CF)	19.98M	303M	54.37M	100M	37.74M
Total Asset Writedown	12.1M	2.99M	2.95M	-	73K
Deferred Policy Acquisition Costs - (CF)	-63.11M	-19.18M	1.98M	1.18M	702K
Amort. Of Deferred Policy Acq. Costs - (CF)	-	-	-	-	33.72M
Change in Trading Asset Securities	-30.58M	-210M	-220M	-135M	-253M
Change in Accounts Receivable	8.13M	-71.77M	-	-	-
Change In Deferred Taxes	-34.58M	-42.01M	19.98M	-6.74M	-16.16M
Change in insurance Reserves / Liabilities	375M	93.66M	105M	136M	640M
Change in Other Net Operating Assets (Collected)	-14.44M	-1.05B	-58.36M	8.87M	162M
Other Operating Activities	3.21M	6.29M	1.12M	-46.09M	-37.94M
Cash from Operations	726M	-491M	325M	581M	1.14B
Capital Expenditure	-173M	-151M	-123M	-161M	-296M
Sale of Property, Plant, and Equipment	25.35M	23.08M	6.01M	5.15M	15.18M
Cash Acquisitions	-38.92M	-2K	-24.76M	-1.58M	-24.35M
Divestitures	1.44M	-	-	-	35.97M
Investment in Marketable and Equity Securities, Total	-532M	-311M	408M	-268M	-356M
Other Investing Activities, Total	64.07M	1.2B	-226M	-63.36M	-170M
Cash from Investing	-653M	758M	40.95M	-488M	-796M
Long-Term Debt Issued, Total	-	1.41B	-	-	-
Total Debt Issued	-	1.41B	-	-	-
Long-Term Debt Repaid, Total	-	-1.43B	-164M	-19.46M	-220M
Total Debt Repaid	-	-1.43B	-164M	-19.46M	-220M
Common Dividends Paid	-55.25M	-169M	-169M	-175M	-184M
Common & Preferred Stock Dividends Paid	-55.25M	-169M	-169M	-175M	-184M
Other Financing Activities, Total	-72.68M	-4.3M	-611K	40.68M	86.45M
Cash from Financing	-128M	-190M	-334M	-154M	-317M
Foreign Exchange Rate Adjustments	6.93M	-2.44M	-682K	-1.36M	-1.86M
Miscellaneous Cash Flow Adjustments	-1K	-	-	-	-1K
Net Change in Cash	-48.13M	75.09M	31.88M	-62.38M	22.64M
Supplemental Items
Cash Interest Paid	151M	62.82M	56.34M	47.44M	46.04M
Cash Income Tax Paid (Refund)	102M	128M	21.66M	70.62M	81.74M
Net Debt Issued / Repaid	-	-16.51M	-164M	-19.46M	-220M
Levered Free Cash Flow	-76.08M	-687M	46.57M	127M	248M
Unlevered Free Cash Flow	8.14M	-655M	78.71M	157M	276M
Change In Net Working Capital	289M	907M	162M	81.66M	-178M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.05	0.98	0.89	0.78	0.74
Return on Total Capital	6.42	6.55	6.12	5.01	4.66
Return On Equity %	9.35	14.48	13.95	12.28	13.86
Return on Common Equity	9.32	14.35	14.02	12.33	14.27
Margin Analysis
Gross Profit Margin %	26.11	24.24	18.52	16.39	16.88
EBITDA Margin %	9.3	8.05	7.57	7.22	6.14
EBITA Margin %	8.92	7.7	7.14	6.15	5.28
EBIT Margin %	7.61	6.69	6.02	5.03	4.49
Income From Continuing Operations Margin %	4.55	5.58	4.98	4.93	5.6
Net Income Margin %	4.51	5.49	4.66	4.93	5.62
Net Avail. For Common Margin %	4.51	5.49	4.96	4.89	5.62
Normalized Net Income Margin	3.49	3.69	4.09	3.87	4.29
Levered Free Cash Flow Margin	-1.09	-9.85	0.72	1.8	3.28
Unlevered Free Cash Flow Margin	0.12	-9.38	1.21	2.23	3.65
Asset Turnover
Asset Turnover	0.22	0.23	0.24	0.25	0.26
Fixed Assets Turnover	19.12	19.53	16.56	18.3	19.25
Receivables Turnover (Average Receivables)	18.6	18.57	81.18	63.81	62.71
Short Term Liquidity
Current Ratio	0.35	0.45	7.34	1.53	1.47
Quick Ratio	0.24	0.32	6.26	1.33	1.34
Operating Cash Flow to Current Liabilities	0.11	-0.08	0.43	0.16	0.29
Days Sales Outstanding (Average Receivables)	19.63	19.66	4.5	5.74	5.82
Average Days Payable Outstanding	364.47	330	8.3	185.92	190.93
Long Term Solvency
Total Debt/Equity	53.59	85.71	58.41	54.54	44.16
Total Debt / Total Capital	34.89	46.15	36.87	35.29	30.63
LT Debt/Equity	52.93	85.41	57.69	53.2	43.29
Long-Term Debt / Total Capital	34.46	45.99	36.42	34.43	30.03
Total Liabilities / Total Assets	89.47	92.72	90.3	89.69	89.1
EBIT / Interest Expense	3.94	8.95	7.61	7.34	7.64
EBITDA / Interest Expense	4.95	11.06	9.86	10.92	10.86
(EBITDA - Capex) / Interest Expense	3.67	8.18	7.46	7.6	4.19
Total Debt / EBITDA	2.67	3.05	3.15	3.04	2.9
Net Debt / EBITDA	1.78	1.89	1.77	1.83	1.53
Total Debt / (EBITDA - Capex)	3.61	4.12	4.15	4.36	7.5
Net Debt / (EBITDA - Capex)	2.41	2.56	2.33	2.63	3.96
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	14.71	-0.01	17.13	8.68	7.07
Gross Profit, 1 Yr. Growth %	26.85	-7.18	50.44	-3.81	10.27
EBITDA, 1 Yr. Growth %	113.05	-13.51	69.61	-2.66	-3.99
EBITA, 1 Yr. Growth %	124.89	-13.77	71.5	-6.38	-2.18
EBIT, 1 Yr. Growth %	128.35	-12.08	82.13	-9.18	-4.46
Earnings From Cont. Operations, 1 Yr. Growth %	1.21K	22.46	26.53	7.75	21.56
Net Income, 1 Yr. Growth %	1.52K	21.71	18.26	14.85	22.21
Normalized Net Income, 1 Yr. Growth %	151.12	5.77	55.68	3.01	18.65
Diluted EPS Before Extra, 1 Yr. Growth %	1.52K	21.71	25.97	7.25	23.02
Net Property, Plant and Equip., 1 Yr. Growth %	0.21	-4.46	-0.56	-2.78	6.41
Accounts Receivable, 1 Yr. Growth %	-7.67	8.02	41.82	35.8	-9.86
Total Assets, 1 Yr. Growth %	-1.13	-10.62	5.67	1.35	1.81
Common Equity, 1 Yr. Growth %	-4.25	-38.43	43.91	6.62	6.02
Tangible Book Value, 1 Yr. Growth %	-7.53	-51.86	67.59	8.26	6.04
Cash From Operations, 1 Yr. Growth %	332.43	-167.6	-161.14	78.5	95.93
Capital Expenditures, 1 Yr. Growth %	41.14	-12.97	-25.87	30.55	84.34
Levered Free Cash Flow, 1 Yr. Growth %	-107.07	1.38K	-100.53	-95.56	95.41
Unlevered Free Cash Flow, 1 Yr. Growth %	-99.27	-1.84K	-100.9	-94.56	75.49
Dividend Per Share, 1 Yr. Growth %	205.56	0	3.64	5.26	20
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	8.08	7.09	-3.54	12.83	7.87
Gross Profit, 2 Yr. CAGR %	14.76	8.51	-18.76	20.3	2.99
EBITDA, 2 Yr. CAGR %	30.16	35.75	-12.97	32.55	-5.83
EBITA, 2 Yr. CAGR %	31.91	39.25	-13.7	26.71	-7.21
EBIT, 2 Yr. CAGR %	25.6	41.69	-14.17	28.61	-6.85
Earnings From Cont. Operations, 2 Yr. CAGR %	34.75	300.41	0.82	16.76	14.45
Net Income, 2 Yr. CAGR %	35.68	344.27	-1.93	16.54	18.47
Normalized Net Income, 2 Yr. CAGR %	17.47	62.98	4.44	26.63	10.55
Diluted EPS Before Extra, 2 Yr. CAGR %	35.68	344.27	1.16	16.23	14.86
Net Property, Plant and Equip., 2 Yr. CAGR %	1.93	-2.15	3.45	-1.68	1.71
Accounts Receivable, 2 Yr. CAGR %	9.1	-0.14	-49.38	38.78	10.64
Total Assets, 2 Yr. CAGR %	4.89	-6	-5.54	3.49	1.58
Common Equity, 2 Yr. CAGR %	-0.96	-23.22	-9.43	23.87	6.32
Tangible Book Value, 2 Yr. CAGR %	-5.69	-33.28	-15.81	34.69	7.14
Cash From Operations, 2 Yr. CAGR %	18.18	70.97	-33.07	4.47	87.02
Capital Expenditures, 2 Yr. CAGR %	2.39	10.83	-15.7	-1.62	55.13
Levered Free Cash Flow, 2 Yr. CAGR %	-77.94	-20.05	0.07	-87.97	-70.54
Unlevered Free Cash Flow, 2 Yr. CAGR %	-92.86	-23.4	44.44	-86.59	-69.11
Dividend Per Share, 2 Yr. CAGR %	74.8	74.8	1.8	4.45	12.39
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	5.91	5.31	2.19	0.37	10.87
Gross Profit, 3 Yr. CAGR %	9.81	6.93	-5.75	-14.06	16.86
EBITDA, 3 Yr. CAGR %	14.5	13.58	17.29	-7.77	16.98
EBITA, 3 Yr. CAGR %	18.56	14.48	18.75	-11.33	13.87
EBIT, 3 Yr. CAGR %	13.99	11.52	18.93	-12.54	16.48
Earnings From Cont. Operations, 3 Yr. CAGR %	10.57	30.52	136.98	3.08	18.34
Net Income, 3 Yr. CAGR %	8.96	30.85	149.86	3.37	18.4
Normalized Net Income, 3 Yr. CAGR %	8.16	13.44	39.92	3.96	23.91
Diluted EPS Before Extra, 3 Yr. CAGR %	8.96	30.85	155.07	3.15	18.45
Net Property, Plant and Equip., 3 Yr. CAGR %	5.52	-0.24	2.36	1.33	0.95
Accounts Receivable, 3 Yr. CAGR %	9.39	8.74	-38.15	-29.66	20.19
Total Assets, 3 Yr. CAGR %	3.44	-0.56	-4.09	-3.29	2.92
Common Equity, 3 Yr. CAGR %	3.59	-15.47	-7.73	-4.36	17.61
Tangible Book Value, 3 Yr. CAGR %	1.13	-24.63	-13.13	-8.45	24.37
Cash From Operations, 3 Yr. CAGR %	434.5	-1.9	24.66	-7.18	28.83
Capital Expenditures, 3 Yr. CAGR %	12.11	-3.01	0.1	-2.47	21.28
Levered Free Cash Flow, 3 Yr. CAGR %	-48.45	-23.96	-64.88	39.79	-69.53
Unlevered Free Cash Flow, 3 Yr. CAGR %	-75.02	-25.72	-58.68	60.94	-68.39
Dividend Per Share, 3 Yr. CAGR %	1.24	45.11	46.85	2.94	9.39
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	5.22	4.54	2.02	3.39	4.43
Gross Profit, 5 Yr. CAGR %	9.94	7.8	-2.66	-3.52	-2.35
EBITDA, 5 Yr. CAGR %	10.86	6.71	2.6	5.86	8.78
EBITA, 5 Yr. CAGR %	14.25	10.04	4.41	3.94	7.59
EBIT, 5 Yr. CAGR %	12.06	7.99	1.76	1.09	7.86
Earnings From Cont. Operations, 5 Yr. CAGR %	9.42	12.35	6.56	14.74	77.12
Net Income, 5 Yr. CAGR %	16.28	17.39	4.47	15.25	85.38
Normalized Net Income, 5 Yr. CAGR %	10.06	10.99	6.65	9.17	27.33
Diluted EPS Before Extra, 5 Yr. CAGR %	9.44	13.33	5.77	15.1	85.38
Net Property, Plant and Equip., 5 Yr. CAGR %	6.62	2.37	4.69	1.57	2.1
Accounts Receivable, 5 Yr. CAGR %	6.92	7.91	-19.62	-16.16	-21.95
Total Assets, 5 Yr. CAGR %	-1.28	-0.38	-0.25	-0.1	-1.86
Common Equity, 5 Yr. CAGR %	0.73	-8.42	-1.83	-3.02	-2.35
Tangible Book Value, 5 Yr. CAGR %	-1.74	-14.69	-6.02	-7.35	-5.53
Cash From Operations, 5 Yr. CAGR %	-5.76	0.73	132.82	2.24	46.62
Capital Expenditures, 5 Yr. CAGR %	29.83	14.4	0.03	-0.55	19.27
Levered Free Cash Flow, 5 Yr. CAGR %	-17.01	0.13	-39.09	-39.47	-25.42
Unlevered Free Cash Flow, 5 Yr. CAGR %	-48.97	-1.77	-31.51	-37.1	-24.38
Dividend Per Share, 5 Yr. CAGR %	2.34	1.52	1.47	27.23	31.95