Austria · Delayed Price · Currency is EUR UNIQA Insurance Group AG Earnings Call Transcripts
Fiscal Year 2026
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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.