)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
UNIQA Insurance Group (UQA) investor relations material
UNIQA Insurance Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary22 Aug, 2025
Executive summary
Earnings before taxes rose 7% year-over-year to €296 million, with all business lines and segments contributing to growth and strong international performance, especially in Central Europe.
Gross written premiums increased 10% to €4.4 billion, and insurance revenue grew 8.9% year-over-year.
Net combined ratio improved to 90.5%, reflecting better underwriting and cost control.
Return on equity was 15.7% (down from 16.3% YoY), and consolidated profit grew 5% to €233 million.
Solvency ratio strengthened to 284%, with own funds of €7.37 billion and SCR of €2.60 billion.
Financial highlights
Technical result improved by 23% year-over-year, with lower large claims and favorable run-off results.
Net investment income totaled €400 million, including a €170 million one-off from the Starbuck transaction, but declined 8.6% due to equity market losses.
EPS grew 5% to €0.76; admin cost ratio improved to 14.8% (from 15.8%).
New investment yield at 4.8%, with Austria at 3.6%, Switzerland at 4.3%, and higher yields in Ukraine and Romania.
Life business technical result reached €104 million, with a 9% new business margin.
Outlook and guidance
Full-year 2025 earnings before taxes guidance raised to €490–510 million, reflecting strong first-half performance.
Payout ratio maintained at 50–60%, with a progressive dividend policy and no plans for bonus dividends.
Medium-term targets under review, with potential for upward revision depending on market and strategic planning.
Solvency ratio expected to normalize to around 260% after prepayment of a €200 million Tier 2 instrument.
Premium growth anticipated to remain above GDP growth.
What drives UNIQA's outperformance in Poland?
How does UNIQA manage CSM interest rate sensitivity?
Explain H2 PBT guidance conservatism
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next UNIQA Insurance Group earnings date
Q3 202520 Nov, 2025
Next UNIQA Insurance Group earnings date
Q3 202520 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage