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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
UNIQA Insurance Group
UNIQA Insurance Group (UQA) investor relations material
UNIQA Insurance Group Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary20 Aug, 2026
Executive summary
Achieved 12% total growth including primary and reinsurance business, with all business lines contributing positively and primary business in line with expectations.
ROE at 16.3% and return on risk around 18%, both stable year-over-year.
Strong technical performance and diversified growth led to resilient earnings, with EPS up 11.1% to €0.84.
Macro headwinds such as inflation and interest rates were managed through prudent asset-liability management and selective underwriting.
Solid solvency position and well-balanced earnings between Austrian and international segments.
Financial highlights
Earnings before taxes (EBT) increased by 10.5% year-over-year to €326.5 million, mainly driven by financial results.
Gross written premiums (GWP) rose 12% year-over-year to €4,924.2 million, with P&C up 16% and Health up 8%.
Net investment income surged 46.7% to €586.7 million, and financial result doubled to €176 million.
Combined ratio (net after reinsurance) at 91.6%, with underlying net combined ratio below 90% after adjusting for balance sheet measures.
Solvency II ratio at 271%, well above the 180–230% target range.
Outlook and guidance
Full-year EBT guidance maintained at €540–570 million, with €327 million achieved in H1.
Dividend policy targets a 50–60% payout ratio, with FY25 DPS at €0.72.
2028 targets reaffirmed: >6% premium CAGR, >7% EPS CAGR, >13% ROE, <93% combined ratio (net), <15% admin cost ratio.
Cautious outlook due to potential volatility from capital markets and CAT events in H2.
Guidance may be updated in Q3 if major events do not materialize.
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Latest events from UNIQA Insurance Group
- FY23 EBT reached €426.4m as investment income rose and the P&C combined ratio improved to 89.4%.UQA
H2 2023 - Premiums up 14.4%, net profit rose 7.5%, and a 20% dividend increase to EUR 0.72 proposed.UQAQ1 2026
- Profit and dividend surged in 2025, with improved ratios and strong 2026 outlook.UQAH2 2025
- Profit up 26%, premiums up 9%, combined ratio at 91%, and dividend per share at €0.60.UQAQ3 2025
- Earnings before taxes up 7% to €296m, with strong premium growth and improved combined ratio.UQAH1 2025
- Premiums and profits rose despite record flood losses, with focus on core CEE markets.UQAQ3 2024
- Earnings before taxes up 19% to €277.5m, with improved combined ratio and strong investment gains.UQAH1 2024
- Strong premium and profit growth offset weaker investment income; outlook remains positive.UQAQ1 2025
- Net profit up 14.9%, premiums up 9.1%, and solvency at 265% despite nat cat losses.UQAH2 2024
Next UNIQA Insurance Group earnings date
Q3 202620 Nov, 2026
UNIQA Insurance Group
Next UNIQA Insurance Group earnings date
Q3 202620 Nov, 2026
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Frequently asked questions
UNIQA Insurance Group AG is a financial services company specializing in insurance and risk management solutions. The company offers a range of life, health, property, and casualty insurance products for individuals, businesses, and institutional clients. UNIQA operates across multiple European markets, providing coverage in areas such as retirement planning, asset protection, and corporate insurance. The company is headquartered in Vienna, Austria, and its shares are listed on the VSE.