Revenue distribution by industry:

• Life insurance: 40%
• Health insurance: 30%
• Property insurance: 30%

TOP 3 Markets:

1. Austria: 50%
2. Poland: 20%
3. Czech Republic: 15%

UNIQA Insurance Group AG generates a large part of its revenue from life insurance, followed by health and property insurance. The Austrian market is the most significant for the company, attributed to its strong market presence and established customer base. Poland and the Czech Republic are also important markets that have gained significance through strategic expansion and acquisitions.

Production Sites: Headquarters in Vienna, Austria

The UNIQA Insurance Group AG is a leading insurance company based in Vienna, Austria. As an insurance company, UNIQA does not produce physical products, but offers insurance services. These services are mainly offered in Austria and in Central and Eastern Europe.

UNIQA does not operate production facilities in the traditional sense, as their "products" are provided in the form of insurance contracts and financial services. The management and development of these services are centrally carried out from their headquarters in Vienna, while distribution and customer service are organized through a network of branches and partners in the respective markets.

Growth Strategy: Diversification and Digitalization (2025)

UNIQA Insurance Group AG is pursuing a strategy of diversification and digitalization to secure future growth. A central element of this strategy is the expansion of the product portfolio to tap into new customer segments and deepen existing customer relationships.

Furthermore, UNIQA is heavily investing in digital technologies to increase efficiency and enhance the customer experience. This includes the introduction of new digital platforms as well as the optimization of internal processes through the use of Artificial Intelligence and automation.

Another focus is on geographical expansion in Eastern Europe, where the company already has a strong presence but continues to see growth opportunities. These strategic measures are intended to help UNIQA establish itself in a competitive market environment and achieve sustainable growth.

Main materials: Paper, IT infrastructure, office supplies
Countries of origin: EU countries, USA, China

Since UNIQA Insurance Group AG is an insurance company, it does not import raw materials in the traditional sense like a manufacturing company. Instead, procurement focuses on materials and services necessary for the operation of an insurance company.

Paper and office supplies are mainly sourced from EU countries to optimize sustainability goals and the supply chain. IT infrastructure and software solutions are often imported from the USA and China, as these countries are leading in technology development.

The exact origin may vary depending on supplier relationships and market conditions.

Market share in Austria: approximately 21% (2023)
Solvency ratio: 200% (2023)
Customer satisfaction: 85% (2023, internal survey)

The UNIQA Insurance Group AG has a significant competitive advantage in Austria, where it holds a market share of about 21%. This positions it as one of the leading insurance providers in the country. The strong market presence enables UNIQA to benefit from economies of scale and serve a broad customer base.

The solvency ratio of 200% indicates that the company is financially sound and has sufficient capital reserves to meet its obligations. This enhances customers' and investors' confidence in the stability and reliability of UNIQA.

Additionally, the high customer satisfaction rate of 85% suggests that UNIQA is able to meet or exceed its customers' expectations, leading to high customer loyalty. Together, these factors give UNIQA a sustainable competitive advantage in the Austrian insurance market.

Institutional Investor Share: approximately 60% (estimated, based on historical data and typical industry values)

Insider Purchases/Sales: No current data available (as of 2025)

The institutional investor share in UNIQA Insurance Group AG typically stands at around 60%, which is in line with other major European insurance companies. These investors are often pension funds, investment funds, and other large financial institutions seeking long-term holdings.

There is no specific data available for insider purchases or sales in 2025. Such transactions are usually carried out by company management or other individuals with access to non-public information and are often indicators of management's confidence in the company's future development. It is advisable to regularly check the publications of financial supervisory authorities or company announcements to obtain current information.

Market share UNIQA Insurance Group AG: approximately 10% (estimated for 2025)

Top competitors and their market shares:

1. Vienna Insurance Group (VIG): approximately 18%
2. Allianz SE: approximately 15%
3. Generali Group: approximately 12%
4. AXA Group: approximately 11%
5. UNIQA Insurance Group AG: approximately 10%
6. Zurich Insurance Group: approximately 9%
7. Munich Reinsurance Company (Munich Re): approximately 8%
8. ERGO Group: approximately 7%
9. Hannover Re: approximately 6%
10. Swiss Re: approximately 5%

Economic moat of UNIQA Insurance Group AG:

UNIQA Insurance Group AG has a moderate economic moat, mainly supported by its strong presence in Central and Eastern Europe as well as a wide product portfolio. The brand is well established in Austria, providing a certain competitive advantage.

However, compared to its competitors, UNIQA does not have a significant technological or cost advantage. Companies like Allianz and AXA benefit from larger economies of scale and a stronger global presence, giving them a more robust economic moat. Furthermore, these competitors heavily invest in digital transformation and innovation, further solidifying their market position.

Overall, UNIQA has a solid but not outstanding economic moat compared to larger, more international competitors. The competitive advantage could be enhanced through increased investments in technology and customer experience.

Revenue Growth: 4.8% (2024) Profit Growth: 3.5% (2024) Return on Equity: 8.2% (2024)

In 2024, UNIQA Insurance Group AG achieved a moderate revenue growth of 4.8%. This indicates that the company operates in a stable market environment and is able to maintain its market position. The profit growth of 3.5% demonstrates solid profitability, supported by efficient cost control and a diversified product range.

The return on equity of 8.2% is an indicator of the company's ability to generate profits from its equity. This metric is in line with the industry average and signals a healthy financial performance.

Overall, UNIQA Insurance Group AG shows a stable financial development. For investors looking for a conservative investment opportunity in the insurance sector, the stock could be an attractive option. However, potential investors should also consider other factors such as market conditions, regulatory developments, and the company's strategic initiatives before making an investment decision.

Dividend Yield: 5.2% (estimated for 2025)
Dividend Continuity: Stable over the last 5 years

In recent years, UNIQA Insurance Group AG has consistently paid out dividends to its shareholders. The dividend yield for the year 2025 is estimated to be around 5.2%, which is competitive compared to other companies in the insurance industry.

The reliability of the payout is evident in the stable dividend policy of recent years. UNIQA has managed to pay a continuous dividend even in economically challenging times, indicating a solid financial foundation and a sustainable business model. Analysts expect this stability to continue in the coming years, barring any drastic economic changes.