UNIQA Insurance Group AG is a diversified insurance company that operates as a direct insurer in two core markets: Austria and Central and Eastern Europe. The company operates a product portfolio that focuses primarily on life insurance, property and casualty insurance, followed by health insurance. Uniqa generates revenue through the premiums on these products. The company focuses on its position as a direct insurer as it attempts to expand the number of customers seeking coverage while aiming to gradually restructure low-margin portfolios that it manages.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.43
Equity-to-Asset	0.1
Debt-to-Equity	0.6
Debt-to-EBITDA	2.5
Interest Coverage	10.78
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.99	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-3.6
	3-Year EBITDA Growth Rate	23.9
	3-Year EPS without NRI Growth Rate	159.6
	3-Year FCF Growth Rate	64.5
	3-Year Book Growth Rate	-7.7
	Future 3-5Y EPS without NRI Growth Rate Estimate	4.39
	Future 3-5Y Total Revenue Growth Rate Estimate	-33.9

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	27.08
	9-Day RSI	34.92
	14-Day RSI	37.68
	6-1 Month Momentum %	-9.09
	12-1 Month Momentum %	1.35

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	7.86
	Dividend Payout Ratio	0.48
	3-Year Dividend Growth Rate	45.1
	Forward Dividend Yield %	7.86
	5-Year Yield-on-Cost %	8.32
	Shareholder Yield %	14.67

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	6.27
	FCF Margin %	3.37
	ROE %	13.6
	ROA %	1.23
	ROIC %	1.45
	3-Year ROIIC %	-8.37
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.48
	Forward PE Ratio	6.3
	PE Ratio without NRI	6.2
	Shiller PE Ratio	8.29
	Price-to-Owner-Earnings	16.79
	PEG Ratio	0.58
	PS Ratio	0.41
	PB Ratio	0.83
	Price-to-Tangible-Book	1.32
	Price-to-Free-Cash-Flow	12.08
	Price-to-Operating-Cash-Flow	7.09
	EV-to-EBIT	6.07
	EV-to-EBITDA	4.88
	EV-to-Revenue	0.57
	EV-to-FCF	17.04
	Price-to-Projected-FCF	0.7
	Price-to-Median-PS-Value	1.05
	Price-to-Peter-Lynch-Fair-Value	0.65
	Price-to-Graham-Number	0.6
	Earnings Yield (Greenblatt) %	16.47
	FCF Yield %	8.35
	Forward Rate of Return (Yacktman) %	13.07

GF Value: €6.63

FRA:UN9

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