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UNIQA Insurance Group (UQA) investor relations material
UNIQA Insurance Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Nov, 2025
Executive summary
Premiums written rose 9.2% to €6,411 million, with Austria up 5% and international business up 10%.
Consolidated profit increased by 26.1% to €333 million, and earnings before taxes climbed 24.4% to €423 million.
Return on equity improved to 14.5%, and the net combined ratio improved to 91.0% from 94.4%.
EPS increased to €1.09 (from €0.86 in 9M24), and the dividend per share is set at €0.60.
Profitability was driven by strong P&C and international performance, with all business lines and regions contributing to growth.
Financial highlights
Insurance revenue grew 8.4% year-over-year to €5,298 million.
Technical result up 47.6% year-over-year, reaching €577 million.
Net investment income was €592 million, down from €619 million last year, impacted by market volatility and STRABAG gains.
Solvency II ratio at 283%, supported by STRABAG and interest rate movements.
Admin cost ratio improved to 14.5% (from 15.3%).
Outlook and guidance
Full-year profit guidance maintained at €490–510 million, with expectations to reach the upper end.
Dividend payout ratio policy remains at 50–60% with a progressive dividend per share.
Q4 expected to be seasonally weaker in growth and profitability.
Premium growth anticipated to remain above GDP growth.
Higher ordinary income expected in 2026 due to strategic asset allocation changes.
P&C combined ratio: underlying drivers beyond nat-cat?
CSM growth: future profit contribution expectations?
Austria vs CEE: relative growth and profit focus?
Solvency II ratio: sustainable level and capital use
P&C claims trends: frequency vs base claims impact
Strategic asset allocation: future financial impact
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Next UNIQA Insurance Group earnings date
Q4 202522 Apr, 2026
Next UNIQA Insurance Group earnings date
Q4 202522 Apr, 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.
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