Financial Update – UNIQA Insurance Group AG (Vienna)
Earnings and Premium Growth
- Consolidated results for the first nine months of 2025 show a 26.1 % increase in net profit, rising to €333 million.
- Written premiums grew 9.2 % to €6.411 million.
- The Combined Ratio (net) improved to 91.0 %, indicating stronger underwriting performance.
- Pre‑tax earnings increased 24.4 % to €423 million.
- The company’s Solvency II capital ratio remains high, at 283 %, reflecting robust financial strength.
New Product Launch
- UNIQA has introduced LifeInvest, a limited‑issue investment‑linked life‑insurance product.
- The offering targets a capital allocation of €1 million and combines guaranteed security with potential return upside.
- The product is positioned to attract customers seeking a hybrid between life coverage and investment exposure.
Market Context
- The Vienna Stock Exchange’s ATX index opened higher on the day of the announcement, registering an increase of 0.62 % to 4 839,07 points at 09:10 CET.
- The ATX Prime index also moved into positive territory, up 0.58 % to 2 404,24 points at 09:09 CET.
- These gains reflect broader market confidence following UNIQA’s solid earnings report.
Strategic Implications
- The earnings lift, driven by higher premium income and an improved loss ratio, supports UNIQA’s strategy to expand its product portfolio and strengthen its market position in Europe.
- The introduction of LifeInvest aligns with the company’s focus on innovative, customer‑centric solutions that blend protection and investment benefits.
- Strong capital adequacy under Solvency II enhances the company’s ability to absorb future risks and pursue growth opportunities.
Key Financial Metrics
| Metric | Value | YoY Change |
|---|---|---|
| Net Profit | €333 million | +26.1 % |
| Written Premiums | €6.411 million | +9.2 % |
| Combined Ratio (net) | 91.0 % | Improvement |
| Pre‑Tax Earnings | €423 million | +24.4 % |
| Solvency II Capital Ratio | 283 % | Stable |
Market Performance (as of 18 Nov 2025)
- Close price: €13.14
- 52‑week high: €13.50 (16 Nov 2025)
- 52‑week low: €7.12 (2 Dec 2024)
- Market cap: €4.03 billion
- P/E ratio: 11.2
The recent earnings announcement and product launch are expected to reinforce investor confidence, reflected in the upward movement of the ATX index and the company’s favorable valuation metrics.
