UNIQA Insurance Group AG
UNIQA Insurance Group AG Fundamental Analysis
UNIQA Insurance Group AG (UN9.DE) shows weak financial fundamentals with a PE ratio of 15.07, profit margin of 5.57%, and ROE of 10.60%. The company generates $5.7B in annual revenue with weak year-over-year growth of -17.86%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 11.6/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze UN9.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakUN9.DE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentUN9.DE trades at attractive valuation levels.
Growth Score
ModerateUN9.DE shows steady but slowing expansion.
Financial Health Score
ModerateUN9.DE shows balanced financial health with some risks.
Profitability Score
WeakUN9.DE struggles to sustain strong margins.
Key Financial Metrics
Is UN9.DE Expensive or Cheap?
P/E Ratio
UN9.DE trades at 15.07 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, UN9.DE's PEG of -2.69 indicates potential undervaluation.
Price to Book
The market values UNIQA Insurance Group AG at 1.57 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does UN9.DE Make Money?
Net Profit Margin
For every $100 in sales, UNIQA Insurance Group AG keeps $5.57 as profit after all expenses.
Operating Margin
Core operations generate 7.99 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.60 in profit for every $100 of shareholder equity.
ROA
UNIQA Insurance Group AG generates $1.10 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
UNIQA Insurance Group AG generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
UNIQA Insurance Group AG generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
UN9.DE converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.07
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-2.69
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.57
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.84
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.53
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How UN9.DE Stacks Against Its Sector Peers
| Metric | UN9.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.07 | 18.66 | Better (Cheaper) |
| ROE | 10.60% | 806.00% | Weak |
| Net Margin | 5.57% | -451.00% (disorted) | Weak |
| Debt/Equity | 0.53 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 662.02 | Weak Liquidity |
| ROA | 1.10% | -24409.00% (disorted) | Weak |
UN9.DE outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews UNIQA Insurance Group AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
1.95%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
49.61%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
11.70%
Industry Style: Value, Dividend, Cyclical
High Growth