Austria · Delayed Price · Currency is EUR UNIQA Insurance Group AG Earnings Call Transcripts
Fiscal Year 2026
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Strong H1 growth and profitability driven by financial results and international expansion, with robust solvency and balanced segment contributions. Cautious H2 outlook due to potential CAT events and market volatility, but full-year guidance maintained.
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Q1 2026 saw strong premium growth, higher profits, and robust capital, with all KPIs on track for 2028 targets. P&C, life, and health segments performed well, and guidance for full-year profit before tax was confirmed at EUR 540–570 million.
Fiscal Year 2025
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Revenue grew over 8% to EUR 8.3 billion in 2025, with profit before tax at EUR 560 million and a 22% rise in consolidated profit. Combined ratio improved to 91.7%, and a 20% dividend increase is proposed. CEE growth remains strong, with stable outlook and robust capital position.
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Nine-month 2025 results showed 9% revenue growth to €6.4 billion, strong P&C and international performance, and a 26% rise in consolidated profit to €333 million. Combined ratio improved to 91%, solvency II ratio reached 283%, and full-year guidance is expected at the upper end of €490–510 million.
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Earnings before tax rose 7% to €296 million in H1 2025, driven by strong international growth, especially in Poland, and improved underwriting. Full-year pre-tax profit guidance was raised to €490–510 million, with robust solvency and investment performance.
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Premiums grew 13% year-over-year with strong technical performance and a 16.1% ROE, but financial results were impacted by unrealized investment losses. Guidance remains optimistic for at least 6% EPS growth, supported by a robust solvency ratio and disciplined cost management.
Fiscal Year 2024
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Full-year 2024 saw over 9% premium growth, strong profitability, and a robust investment result, despite a major nat cat event. The solvency ratio remains high, and a progressive dividend increase is proposed, with a profit before tax target above EUR 500 million seen as realistic.
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Strong premium growth and resilient profitability despite Storm Boris, with robust investment income and a positive outlook for 2024 and beyond. Strategic exit from three Balkan countries sharpens focus on core markets, while solvency and capital position remain strong.
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Strong H1 2024 results with EBT up 20% year-over-year, improved combined ratio, and robust growth in international and health segments. Cautious outlook for H2 due to Nat Cat risks, but targets remain achievable. Russia exit nearly complete.