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UQA (UNIQA Insurance Group AG) Stock Analysis
Buy, Hold or Sell?

Let's analyze UNIQA Insurance Group AG together

I guess you are interested in UNIQA Insurance Group AG. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • 📊 Fundamental Analysis (FA) – UNIQA Insurance Group AG’s Financial Insights
  • 📈 Technical Analysis (TA) – UNIQA Insurance Group AG’s Price Targets

I'm going to help you getting a better view of UNIQA Insurance Group AG. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of UNIQA Insurance Group AG (30 sec.)










1.2. What can you expect buying and holding a share of UNIQA Insurance Group AG? (30 sec.)

How much money do you get?

How much money do you get?
€2.73
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
€9.58
Expected worth in 1 year
€12.34
How sure are you?
70.0%

+ What do you gain per year?

Total Gains per Share
€5.07
Return On Investment
44.1%

For what price can you sell your share?

Current Price per Share
€11.50
Expected price per share
€7.9609894540943 - €12.46
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of UNIQA Insurance Group AG (5 min.)




Live pricePrice per Share (EOD)
€11.50
Intrinsic Value Per Share
€-0.56 - €10.55
Total Value Per Share
€9.02 - €20.13

2.2. Growth of UNIQA Insurance Group AG (5 min.)




Is UNIQA Insurance Group AG growing?

Current yearPrevious yearGrowGrow %
How rich?$3.4b$3.2b$249.5m7.2%

How much money is UNIQA Insurance Group AG making?

Current yearPrevious yearGrowGrow %
Making money$410.4m$357.4m$53m12.9%
Net Profit Margin6.1%5.9%--

How much money comes from the company's main activities?

2.3. Financial Health of UNIQA Insurance Group AG (5 min.)




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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of UNIQA Insurance Group AG?

Welcome investor! UNIQA Insurance Group AG's management wants to use your money to grow the business. In return you get a share of UNIQA Insurance Group AG.

First you should know what it really means to hold a share of UNIQA Insurance Group AG. And how you can make/lose money.

Speculation

The Price per Share of UNIQA Insurance Group AG is €11.50. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of UNIQA Insurance Group AG.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in UNIQA Insurance Group AG, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is €9.58. Based on the TTM, the Book Value Change Per Share is €0.69 per quarter. Based on the YOY, the Book Value Change Per Share is €2.21 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is €0.58 per quarter.
Based on historical numbers we can estimate the returns while holding a share of UNIQA Insurance Group AG.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps1.3411.6%1.3411.6%1.1610.1%1.3211.5%1.059.1%0.948.2%
Usd Book Value Change Per Share0.817.1%0.817.1%2.6122.7%-0.49-4.3%-0.37-3.2%-0.06-0.5%
Usd Dividend Per Share0.685.9%0.685.9%0.655.7%0.665.8%0.484.2%0.675.8%
Usd Total Gains Per Share1.5013.0%1.5013.0%3.2628.3%0.171.5%0.111.0%0.615.3%
Usd Price Per Share9.25-9.25-8.81-8.77-8.68-9.12-
Price to Earnings Ratio6.91-6.91-7.57-6.70-25.84-19.31-
Price-to-Total Gains Ratio6.18-6.18-2.70-2.31--0.18--1.11-
Price to Book Ratio0.82-0.82-0.84-0.90-0.80-0.79-
Price-to-Total Gains Ratio6.18-6.18-2.70-2.31--0.18--1.11-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share13.5792
Number of shares73
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.680.48
Usd Book Value Change Per Share0.81-0.37
Usd Total Gains Per Share1.500.11
Gains per Quarter (73 shares)109.228.31
Gains per Year (73 shares)436.8733.23
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1200237427141-10823
2399475864282-21556
35997121301423-32389
47989491738563-430122
599811872175704-538155
6119714242612845-646188
7139716613049986-753221
81596189934861127-861254
91796213639231268-968287
101995237443601408-1076320

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.01.00.095.2%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%3.02.00.060.0%6.04.00.060.0%12.09.00.057.1%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.01.095.2%
Total Gains per Share1.00.00.0100.0%2.01.00.066.7%3.02.00.060.0%7.03.00.070.0%14.07.00.066.7%
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3.2. Key Performance Indicators

The key performance indicators of UNIQA Insurance Group AG compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.6880.6880%2.208-69%-0.415+160%-0.312+145%-0.048+107%
Book Value Per Share--9.5829.5820%8.894+8%8.387+14%9.462+1%9.931-4%
Current Ratio--21.38721.3870%0.797+2584%32.556-34%59.093-64%77.879-73%
Debt To Asset Ratio--0.8970.8970%0.903-1%0.909-1%0.903-1%0.8990%
Debt To Equity Ratio--8.8568.8560%9.380-6%10.363-15%9.575-8%9.098-3%
Dividend Per Share--0.5790.5790%0.552+5%0.561+3%0.408+42%0.567+2%
Enterprise Value---9352548006.370-9352548006.3700%-22431352152.940+140%-13307331444.103+42%-10411528401.128+11%-8537925527.842-9%
Eps--1.1331.1330%0.986+15%1.122+1%0.891+27%0.794+43%
Ev To Ebitda Ratio---15.165-15.1650%-44.443+193%-28.635+89%-26.067+72%-24.118+59%
Ev To Sales Ratio---1.640-1.6400%-4.405+169%-2.431+48%-1.857+13%-1.541-6%
Free Cash Flow Per Share--1.3691.3690%0.659+108%-0.021+102%0.377+263%0.703+95%
Free Cash Flow To Equity Per Share--0.8680.8680%-0.428+149%-0.756+187%0.317+173%0.491+77%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--10.546----------
Intrinsic Value_10Y_min---0.564----------
Intrinsic Value_1Y_max--0.781----------
Intrinsic Value_1Y_min---0.030----------
Intrinsic Value_3Y_max--2.557----------
Intrinsic Value_3Y_min---0.114----------
Intrinsic Value_5Y_max--4.586----------
Intrinsic Value_5Y_min---0.222----------
Market Cap3530097408.000+32%2403537993.6302403537993.6300%2289960847.060+5%2280751889.230+5%2256808598.872+7%2373366372.159+1%
Net Profit Margin--0.0610.0610%0.059+3%0.060+2%0.046+32%0.043+42%
Operating Margin--0.0860.0860%0.076+14%0.065+33%0.056+52%0.053+62%
Operating Ratio--0.9230.9230%0.916+1%0.303+204%-0.221+124%-0.178+119%
Pb Ratio1.200+32%0.8170.8170%0.839-3%0.901-9%0.803+2%0.791+3%
Pe Ratio10.154+32%6.9146.9140%7.565-9%6.697+3%25.840-73%19.307-64%
Price Per Share11.500+32%7.8307.8300%7.460+5%7.430+5%7.352+7%7.726+1%
Price To Free Cash Flow Ratio8.403+32%5.7215.7210%11.319-49%4.564+25%12.311-54%18.997-70%
Price To Total Gains Ratio9.076+32%6.1806.1800%2.703+129%2.311+167%-0.176+103%-1.106+118%
Quick Ratio--35.75635.7560%15.635+129%67.634-47%119.865-70%155.938-77%
Return On Assets--0.0120.0120%0.011+13%0.012+0%0.009+29%0.008+45%
Return On Equity--0.1200.1200%0.112+8%0.140-14%0.104+15%0.087+38%
Total Gains Per Share--1.2671.2670%2.760-54%0.146+767%0.096+1215%0.518+144%
Usd Book Value--3473238182.4003473238182.4000%3223723334.400+8%3040140028.800+14%3429527800.320+1%3602623279.680-4%
Usd Book Value Change Per Share--0.8130.8130%2.607-69%-0.490+160%-0.369+145%-0.057+107%
Usd Book Value Per Share--11.31511.3150%10.502+8%9.904+14%11.172+1%11.727-4%
Usd Dividend Per Share--0.6830.6830%0.652+5%0.662+3%0.482+42%0.669+2%
Usd Enterprise Value---11043488685.922-11043488685.9220%-26486940622.192+140%-15713296969.197+42%-12293932736.052+11%-10081582463.275-9%
Usd Eps--1.3371.3370%1.164+15%1.325+1%1.052+27%0.937+43%
Usd Free Cash Flow--496059984.000496059984.0000%238882924.800+108%-7494144.000+102%136797333.120+263%255262392.000+94%
Usd Free Cash Flow Per Share--1.6161.6160%0.778+108%-0.024+102%0.446+263%0.830+95%
Usd Free Cash Flow To Equity Per Share--1.0251.0250%-0.505+149%-0.893+187%0.375+173%0.580+77%
Usd Market Cap4168339019.366+32%2838097662.8782838097662.8780%2703985768.208+5%2693111830.803+5%2664839593.548+7%2802471012.245+1%
Usd Price Per Share13.579+32%9.2469.2460%8.809+5%8.773+5%8.681+7%9.123+1%
Usd Profit--410493312.000410493312.0000%357411628.800+15%406720262.400+1%322933449.600+27%293265377.280+40%
Usd Revenue--6732945216.0006732945216.0000%6012664300.800+12%6816175872.000-1%6982194147.840-4%6748895934.7200%
Usd Total Gains Per Share--1.4961.4960%3.259-54%0.173+767%0.114+1215%0.612+144%
 EOD+4 -4MRQTTM+0 -0YOY+33 -63Y+31 -85Y+33 -610Y+27 -12

3.3 Fundamental Score

Let's check the fundamental score of UNIQA Insurance Group AG based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1510.154
Price to Book Ratio (EOD)Between0-11.200
Net Profit Margin (MRQ)Greater than00.061
Operating Margin (MRQ)Greater than00.086
Quick Ratio (MRQ)Greater than135.756
Current Ratio (MRQ)Greater than121.387
Debt to Asset Ratio (MRQ)Less than10.897
Debt to Equity Ratio (MRQ)Less than18.856
Return on Equity (MRQ)Greater than0.150.120
Return on Assets (MRQ)Greater than0.050.012
Total6/10 (60.0%)

3.4 Technical Score

Let's check the technical score of UNIQA Insurance Group AG based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5053.455
Ma 20Greater thanMa 5011.707
Ma 50Greater thanMa 10010.999
Ma 100Greater thanMa 2009.847
OpenGreater thanClose11.320
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About UNIQA Insurance Group AG

UNIQA Insurance Group AG operates as an insurance company in Austria, and Central and Eastern Europe. The company operates through UNIQA Austria, UNIQA International, and Reinsurance segments. Its product portfolio includes life, health, property, casualty, household, fire, motor, liability, and other insurance product services. The company offers its products and services through various distribution channels, including sales force, general agencies, brokers, banks, and direct sales. The company was formerly known as UNIQA Versicherungen AG and changed its name to UNIQA Insurance Group AG in July 2013. UNIQA Insurance Group AG was founded in 1811 and is headquartered in Vienna, Austria.

Fundamental data was last updated by Penke on 2025-06-11 08:42:05.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating less efficient.
The company is less efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit UNIQA Insurance Group AG earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare UNIQA Insurance Group AG to the Insurance - Diversified industry mean.
  • A Net Profit Margin of 6.1% means that €0.06 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of UNIQA Insurance Group AG:

  • The MRQ is 6.1%. The company is making a profit. +1
  • The TTM is 6.1%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ6.1%TTM6.1%0.0%
TTM6.1%YOY5.9%+0.2%
TTM6.1%5Y4.6%+1.5%
5Y4.6%10Y4.3%+0.3%
4.3.1.2. Return on Assets

Shows how efficient UNIQA Insurance Group AG is using its assets to generate profit.

  • Above 5% is considered healthy but always compare UNIQA Insurance Group AG to the Insurance - Diversified industry mean.
  • 1.2% Return on Assets means that UNIQA Insurance Group AG generated €0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of UNIQA Insurance Group AG:

  • The MRQ is 1.2%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.2%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.2%TTM1.2%0.0%
TTM1.2%YOY1.1%+0.1%
TTM1.2%5Y0.9%+0.3%
5Y0.9%10Y0.8%+0.1%
4.3.1.3. Return on Equity

Shows how efficient UNIQA Insurance Group AG is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare UNIQA Insurance Group AG to the Insurance - Diversified industry mean.
  • 12.0% Return on Equity means UNIQA Insurance Group AG generated €0.12 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of UNIQA Insurance Group AG:

  • The MRQ is 12.0%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 12.0%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ12.0%TTM12.0%0.0%
TTM12.0%YOY11.2%+0.9%
TTM12.0%5Y10.4%+1.6%
5Y10.4%10Y8.7%+1.7%
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4.3.2. Operating Efficiency of UNIQA Insurance Group AG.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient UNIQA Insurance Group AG is operating .

  • Measures how much profit UNIQA Insurance Group AG makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare UNIQA Insurance Group AG to the Insurance - Diversified industry mean.
  • An Operating Margin of 8.6% means the company generated €0.09  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of UNIQA Insurance Group AG:

  • The MRQ is 8.6%. The company is operating less efficient.
  • The TTM is 8.6%. The company is operating less efficient.
Trends
Current periodCompared to+/- 
MRQ8.6%TTM8.6%0.0%
TTM8.6%YOY7.6%+1.0%
TTM8.6%5Y5.6%+2.9%
5Y5.6%10Y5.3%+0.3%
4.3.2.2. Operating Ratio

Measures how efficient UNIQA Insurance Group AG is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Insurance - Diversified industry mean).
  • An Operation Ratio of 0.92 means that the operating costs are €0.92 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of UNIQA Insurance Group AG:

  • The MRQ is 0.923. The company is less efficient in keeping operating costs low.
  • The TTM is 0.923. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ0.923TTM0.9230.000
TTM0.923YOY0.916+0.006
TTM0.9235Y-0.221+1.143
5Y-0.22110Y-0.178-0.043
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4.4.3. Liquidity of UNIQA Insurance Group AG.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if UNIQA Insurance Group AG is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Insurance - Diversified industry mean).
  • A Current Ratio of 21.39 means the company has €21.39 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of UNIQA Insurance Group AG:

  • The MRQ is 21.387. The company is very able to pay all its short-term debts. +2
  • The TTM is 21.387. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ21.387TTM21.3870.000
TTM21.387YOY0.797+20.590
TTM21.3875Y59.093-37.706
5Y59.09310Y77.879-18.786
4.4.3.2. Quick Ratio

Measures if UNIQA Insurance Group AG is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare UNIQA Insurance Group AG to the Insurance - Diversified industry mean.
  • A Quick Ratio of 35.76 means the company can pay off €35.76 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of UNIQA Insurance Group AG:

  • The MRQ is 35.756. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 35.756. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ35.756TTM35.7560.000
TTM35.756YOY15.635+20.121
TTM35.7565Y119.865-84.110
5Y119.86510Y155.938-36.072
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4.5.4. Solvency of UNIQA Insurance Group AG.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of UNIQA Insurance Group AG assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare UNIQA Insurance Group AG to Insurance - Diversified industry mean.
  • A Debt to Asset Ratio of 0.90 means that UNIQA Insurance Group AG assets are financed with 89.7% credit (debt) and the remaining percentage (100% - 89.7%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of UNIQA Insurance Group AG:

  • The MRQ is 0.897. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.897. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.897TTM0.8970.000
TTM0.897YOY0.903-0.006
TTM0.8975Y0.903-0.006
5Y0.90310Y0.899+0.004
4.5.4.2. Debt to Equity Ratio

Measures if UNIQA Insurance Group AG is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare UNIQA Insurance Group AG to the Insurance - Diversified industry mean.
  • A Debt to Equity ratio of 885.6% means that company has €8.86 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of UNIQA Insurance Group AG:

  • The MRQ is 8.856. The company is unable to pay all its debts with equity. -1
  • The TTM is 8.856. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ8.856TTM8.8560.000
TTM8.856YOY9.380-0.524
TTM8.8565Y9.575-0.719
5Y9.57510Y9.098+0.477
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every €1 in earnings UNIQA Insurance Group AG generates.

  • Above 15 is considered overpriced but always compare UNIQA Insurance Group AG to the Insurance - Diversified industry mean.
  • A PE ratio of 6.91 means the investor is paying €6.91 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of UNIQA Insurance Group AG:

  • The EOD is 10.154. Based on the earnings, the company is underpriced. +1
  • The MRQ is 6.914. Based on the earnings, the company is cheap. +2
  • The TTM is 6.914. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD10.154MRQ6.914+3.241
MRQ6.914TTM6.9140.000
TTM6.914YOY7.565-0.652
TTM6.9145Y25.840-18.927
5Y25.84010Y19.307+6.533
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of UNIQA Insurance Group AG:

  • The EOD is 8.403. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 5.721. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 5.721. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD8.403MRQ5.721+2.682
MRQ5.721TTM5.7210.000
TTM5.721YOY11.319-5.598
TTM5.7215Y12.311-6.590
5Y12.31110Y18.997-6.686
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of UNIQA Insurance Group AG is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Insurance - Diversified industry mean).
  • A PB ratio of 0.82 means the investor is paying €0.82 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of UNIQA Insurance Group AG:

  • The EOD is 1.200. Based on the equity, the company is underpriced. +1
  • The MRQ is 0.817. Based on the equity, the company is cheap. +2
  • The TTM is 0.817. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.200MRQ0.817+0.383
MRQ0.817TTM0.8170.000
TTM0.817YOY0.839-0.022
TTM0.8175Y0.803+0.014
5Y0.80310Y0.791+0.012
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2020-12-312021-12-312022-12-312023-12-312024-12-31
Other Assets  -10,365,455592,686-9,772,7694,077,149-5,695,620-9,241,913-14,937,53343,469,63828,532,105
Other Stockholders Equity  -16,6140-16,6140-16,6140-16,614807,456790,842
Total Other Income Expense Net -307,43020,670-286,760206,699-80,061379-79,682367,537287,855



6.2. Latest Balance Sheet

Balance Sheet of 2024-12-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets28,532,105
Total Liabilities25,590,677
Total Stockholder Equity2,889,742
 As reported
Total Liabilities 25,590,677
Total Stockholder Equity+ 2,889,742
Total Assets = 28,532,105

Assets

Total Assets28,532,105
Total Current Assets16,169,023
Long-term Assets12,363,082
Total Current Assets
Cash And Cash Equivalents 637,149
Short-term Investments 13,197,442
Other Current Assets 2,334,432
Total Current Assets  (as reported)16,169,023
Total Current Assets  (calculated)16,169,023
+/-0
Long-term Assets
Property Plant Equipment 380,249
Goodwill 343,879
Long Term Investments 18,341,596
Intangible Assets 665,840
Long-term Assets Other -19,822,149
Long-term Assets  (as reported)12,363,082
Long-term Assets  (calculated)-90,585
+/- 12,453,667

Liabilities & Shareholders' Equity

Total Current Liabilities756,019
Long-term Liabilities0
Total Stockholder Equity2,889,742
Total Current Liabilities
Short-term Debt 12,193
Other Current Liabilities 561,999
Total Current Liabilities  (as reported)756,019
Total Current Liabilities  (calculated)574,192
+/- 181,827
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Common Stock309,000
Retained Earnings 1,789,900
Other Stockholders Equity 790,842
Total Stockholder Equity (as reported)2,889,742
Total Stockholder Equity (calculated)2,889,742
+/-0
Other
Capital Stock1,789,923
Cash and Short Term Investments 13,834,591
Common Stock Shares Outstanding 306,965
Liabilities and Stockholders Equity 28,532,105
Net Debt 954,372
Net Invested Capital 4,398,657
Net Working Capital 15,413,004
Property Plant and Equipment Gross 778,554
Short Long Term Debt Total 1,591,521



6.3. Balance Sheets Structured

Currency in EUR. All numbers in thousands.

 Trend2024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-312004-12-31
> Total Assets 
860,161
1,133,675
1,329,784
25,588,664
25,630,093
27,392,735
28,695,200
28,567,658
30,037,224
31,068,634
33,038,153
33,078,355
33,639,160
28,743,885
28,503,801
28,728,409
31,907,957
31,547,783
28,196,153
28,150,959
28,532,105
28,532,10528,150,95928,196,15331,547,78331,907,95728,728,40928,503,80128,743,88533,639,16033,078,35533,038,15331,068,63430,037,22428,567,65828,695,20027,392,73525,630,09325,588,6641,329,7841,133,675860,161
   > Total Current Assets 
355,354
192,024
263,164
647,133
1,516,851
797,658
532,903
683,094
16,731,806
17,890,884
20,007,322
20,044,653
17,040,485
17,479,963
17,987,739
18,381,567
20,319,638
19,760,548
15,856,915
699,528
16,169,023
16,169,023699,52815,856,91519,760,54820,319,63818,381,56717,987,73917,479,96317,040,48520,044,65320,007,32217,890,88416,731,806683,094532,903797,6581,516,851647,133263,164192,024355,354
       Cash And Cash Equivalents 
355,354
192,024
263,164
647,133
567,853
797,658
532,903
683,094
2,149,282
1,890,828
1,365,810
890,083
549,934
650,307
1,444,391
479,621
640,713
592,583
667,675
699,528
637,149
637,149699,528667,675592,583640,713479,6211,444,391650,307549,934890,0831,365,8101,890,8282,149,282683,094532,903797,658567,853647,133263,164192,024355,354
       Short-term Investments 
0
0
0
0
948,998
0
0
0
14,582,524
16,000,056
18,641,512
19,154,570
16,490,551
16,829,656
16,543,348
17,901,946
19,678,925
19,167,965
15,189,240
13,024,182
13,197,442
13,197,44213,024,18215,189,24019,167,96519,678,92517,901,94616,543,34816,829,65616,490,55119,154,57018,641,51216,000,05614,582,524000948,9980000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
708,970
474,675
502,098
560,838
544,407
684,249
714,823
782,429
0
0
00782,429714,823684,249544,407560,838502,098474,675708,97000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
1,290,223
6,081,804
818,015
1,267,617
423,028
608,979
690,225
745,475
0
2,334,432
2,334,4320745,475690,225608,979423,0281,267,617818,0156,081,8041,290,22300000000000
   > Long-term Assets 
13,801,740
17,051,939
18,494,882
16,338,045
3,809,485
17,818,706
25,999,755
16,439,551
22,039,909
23,533,762
25,950,061
26,321,417
22,990,417
23,706,532
23,087,014
19,707,802
21,953,774
21,560,004
18,034,858
42,388,964
12,363,082
12,363,08242,388,96418,034,85821,560,00421,953,77419,707,80223,087,01423,706,53222,990,41726,321,41725,950,06123,533,76222,039,90916,439,55125,999,75517,818,7063,809,48516,338,04518,494,88217,051,93913,801,740
       Property Plant Equipment 
354,608
371,687
345,110
1,379,476
1,481,611
1,795,615
1,872,517
383,549
306,755
286,589
283,506
307,741
265,219
310,610
311,062
351,780
364,739
365,493
349,207
391,129
380,249
380,249391,129349,207365,493364,739351,780311,062310,610265,219307,741283,506286,589306,755383,5491,872,5171,795,6151,481,6111,379,476345,110371,687354,608
       Goodwill 
289,894
315,826
353,975
293,458
500,969
607,191
592,402
0
520,435
510,174
490,060
429,260
295,369
295,584
295,514
291,327
352,922
353,054
357,786
368,229
343,879
343,879368,229357,786353,054352,922291,327295,514295,584295,369429,260490,060510,174520,4350592,402607,191500,969293,458353,975315,826289,894
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
20,178,828
22,362,102
22,994,850
22,303,403
18,833,466
20,597,875
20,118,238
16,499,171
18,018,980
18,341,596
18,341,59618,018,98016,499,17120,118,23820,597,87518,833,46622,303,40322,994,85022,362,10220,178,82800000000000
       Intangible Assets 
703,013
763,918
809,686
39,273
906,427
909,269
917,046
1,500,331
25,169
24,455
28,047
63,009
62,138
100,808
171,277
225,992
629,644
638,310
665,963
638,081
665,840
665,840638,081665,963638,310629,644225,992171,277100,80862,13863,00928,04724,45525,1691,500,331917,046909,269906,42739,273809,686763,918703,013
       Other Assets 
-13,296,933
-16,110,288
-17,428,262
8,603,486
20,303,757
8,776,371
2,162,542
11,445,013
-8,734,491
-10,356,012
-12,919,230
-13,287,715
-6,391,742
-12,442,610
-12,570,952
-9,360,960
-10,365,455
-9,772,769
-5,695,620
-14,937,533
28,532,105
28,532,105-14,937,533-5,695,620-9,772,769-10,365,455-9,360,960-12,570,952-12,442,610-6,391,742-13,287,715-12,919,230-10,356,012-8,734,49111,445,0132,162,5428,776,37120,303,7578,603,486-17,428,262-16,110,288-13,296,933
> Total Liabilities 
566,709
978,266
1,331,854
24,056,441
24,171,317
25,827,953
27,158,559
27,472,074
28,019,643
28,278,707
29,935,718
29,903,515
30,426,394
25,550,494
25,517,251
25,307,987
28,433,125
28,224,496
26,143,766
25,420,841
25,590,677
25,590,67725,420,84126,143,76628,224,49628,433,12525,307,98725,517,25125,550,49430,426,39429,903,51529,935,71828,278,70728,019,64327,472,07427,158,55925,827,95324,171,31724,056,4411,331,854978,266566,709
   > Total Current Liabilities 
365,716
441,536
663,328
720,778
1,447,509
650,881
660,339
572,126
163,618
124,423
191,891
139,145
130,169
3,253,904
175,563
182,845
209,034
196,447
210,074
877,762
756,019
756,019877,762210,074196,447209,034182,845175,5633,253,904130,169139,145191,891124,423163,618572,126660,339650,8811,447,509720,778663,328441,536365,716
       Short-term Debt 
0
0
0
0
0
0
0
0
2,690
1,126
184
250,045
9
8,617
889
4,980
11,906
11,960
6,070
9,235
12,193
12,1939,2356,07011,96011,9064,9808898,6179250,0451841,1262,69000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
265,256
14,722
8,617
889
900
3,955
3,955
0
0
0
0003,9553,9559008898,61714,722265,25600000000000
       Accounts payable 
365,716
441,536
655,096
1,527,041
567,129
650,881
667,380
67
10,528
0
0
9,633
4,038,563
240,141
9,953
16,279
17,411
188,442
148,554
0
0
00148,554188,44217,41116,2799,953240,1414,038,5639,6330010,52867667,380650,881567,1291,527,041655,096441,536365,716
       Other Current Liabilities 
-42,917
-95,361
-58,522
-847,881
-624,423
-48,732
-63,211
-19,224
-91,510
-97,017
-90,270
-166,662
-154,179
-349,033
-74,331
-161,786
-178,332
-386,798
-305,239
758,042
561,999
561,999758,042-305,239-386,798-178,332-161,786-74,331-349,033-154,179-166,662-90,270-97,017-91,510-19,224-63,211-48,732-624,423-847,881-58,522-95,361-42,917
   > Long-term Liabilities 
200,993
536,730
668,526
907,916
825,385
887,499
941,182
940,450
876,935
975,414
998,559
1,468,034
1,184,775
25,550,494
1,158,168
1,341,583
2,181,727
2,133,177
210,074
25,420,841
0
025,420,841210,0742,133,1772,181,7271,341,5831,158,16825,550,4941,184,7751,468,034998,559975,414876,935940,450941,182887,499825,385907,916668,526536,730200,993
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
23,694,842
19,816,215
19,527,452
18,999,202
18,980,671
20,041,367
19,888,724
18,407,767
0
0
0018,407,76719,888,72420,041,36718,980,67118,999,20219,527,45219,816,21523,694,84200000000000
> Total Stockholder Equity
683,080
930,449
1,122,485
1,336,380
1,264,668
1,333,062
1,291,590
875,876
1,995,309
2,767,717
3,082,242
3,152,713
3,186,253
3,177,590
2,972,112
3,401,023
3,450,072
3,303,609
2,034,041
2,710,202
2,889,742
2,889,7422,710,2022,034,0413,303,6093,450,0723,401,0232,972,1123,177,5903,186,2533,152,7133,082,2422,767,7171,995,309875,8761,291,5901,333,0621,264,6681,336,3801,122,485930,449683,080
   Common Stock
206,305
206,305
206,305
206,305
390,681
540,681
540,681
540,681
1,064,594
1,789,920
1,789,920
1,789,920
1,789,923
1,789,923
1,789,923
1,789,923
1,789,923
1,789,923
1,789,923
1,789,923
309,000
309,0001,789,9231,789,9231,789,9231,789,9231,789,9231,789,9231,789,9231,789,9231,789,9201,789,9201,789,9201,064,594540,681540,681540,681390,681206,305206,305206,305206,305
   Retained Earnings 
26,373
31,321
42,037
60,037
862,417
57,258
57,617
1,608
53,739
108,209
1,025,046
1,373,651
1,412,961
1,404,281
1,198,803
1,544,902
1,676,762
1,530,299
260,731
1,622,467
1,789,900
1,789,9001,622,467260,7311,530,2991,676,7621,544,9021,198,8031,404,2811,412,9611,373,6511,025,046108,20953,7391,60857,61757,258862,41760,03742,03731,32126,373
   Capital Surplus 000000000000000000000
   Treasury Stock000000000000000000000
   Other Stockholders Equity 
450,402
692,823
874,143
885,532
-10,857
735,124
693,292
-91,667
1,727,322
-10,857
-10,857
-10,857
-109,320
-16,614
-16,614
-16,614
-16,614
-16,614
-16,614
-16,614
790,842
790,842-16,614-16,614-16,614-16,614-16,614-16,614-16,614-109,320-10,857-10,857-10,8571,727,322-91,667693,292735,124-10,857885,532874,143692,823450,402



6.4. Balance Sheets

Currency in EUR. All numbers in thousands.




6.5. Cash Flows

Currency in EUR. All numbers in thousands.




6.6. Income Statements

Currency in EUR. All numbers in thousands.


6.7. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in EUR. All numbers in thousands.

Gross Profit (+$)
totalRevenue5,702,020
Cost of Revenue-0
Gross Profit5,702,0205,702,020
 
Operating Income (+$)
Gross Profit5,702,020
Operating Expense-5,260,155
Operating Income441,865441,865
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense5,260,1550
 
Net Interest Income (+$)
Interest Income440,502
Interest Expense-48,385
Other Finance Cost-440,502
Net Interest Income-48,385
 
Pretax Income (+$)
Operating Income441,865
Net Interest Income-48,385
Other Non-Operating Income Expenses0
Income Before Tax (EBT)441,865154,010
EBIT - interestExpense = 441,865
441,324
396,025
Interest Expense48,385
Earnings Before Interest and Taxes (EBIT)490,250490,250
Earnings Before Interest and Taxes (EBITDA)616,707
 
After tax Income (+$)
Income Before Tax441,865
Tax Provision-93,684
Net Income From Continuing Ops348,181348,181
Net Income347,640
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses5,260,155
Total Other Income/Expenses Net287,85548,385
 

Technical Analysis of UNIQA Insurance Group AG
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of UNIQA Insurance Group AG. The general trend of UNIQA Insurance Group AG is BULLISH with 71.4% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine UNIQA Insurance Group AG's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (71.4%) Bearish trend (-71.4%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. UNIQA Insurance Group AG Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of UNIQA Insurance Group AG.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 12.46.

The bearish price targets are: 9.6104493427705 > 8.1040337078652 > 7.9609894540943.

Know someone who trades $UQA? Share this with them.👇

UNIQA Insurance Group AG Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of UNIQA Insurance Group AG. The current mas is .

The long score for the Moving Averages is 12/14.
The longshort score for the Moving Averages is 10/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

UNIQA Insurance Group AG Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of UNIQA Insurance Group AG. The current macd is 0.02201766.

The long score for the Moving Average Convergence/Divergence (MACD) is 2/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 0/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the UNIQA Insurance Group AG price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for UNIQA Insurance Group AG. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the UNIQA Insurance Group AG price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
UNIQA Insurance Group AG Daily Moving Average Convergence/Divergence (MACD) ChartUNIQA Insurance Group AG Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of UNIQA Insurance Group AG. The current adx is 33.14.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -3/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell UNIQA Insurance Group AG shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bearish trend. The ADX is declining, the bearish trend is weakening. Could be a potential reversal to the upside. -2
UNIQA Insurance Group AG Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of UNIQA Insurance Group AG. The current sar is 11.69.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
UNIQA Insurance Group AG Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of UNIQA Insurance Group AG. The current rsi is 53.46. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
UNIQA Insurance Group AG Daily Relative Strength Index (RSI) ChartUNIQA Insurance Group AG Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of UNIQA Insurance Group AG. The current phase is Correction in bull market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 2/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the UNIQA Insurance Group AG price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
UNIQA Insurance Group AG Daily Stochastic Oscillator ChartUNIQA Insurance Group AG Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of UNIQA Insurance Group AG. The current cci is -44.83647054.

UNIQA Insurance Group AG Daily Commodity Channel Index (CCI) ChartUNIQA Insurance Group AG Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of UNIQA Insurance Group AG. The current cmo is 5.27250058.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
UNIQA Insurance Group AG Daily Chande Momentum Oscillator (CMO) ChartUNIQA Insurance Group AG Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of UNIQA Insurance Group AG. The current willr is -67.6056338.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that UNIQA Insurance Group AG is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
UNIQA Insurance Group AG Daily Williams %R ChartUNIQA Insurance Group AG Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of UNIQA Insurance Group AG.

UNIQA Insurance Group AG Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of UNIQA Insurance Group AG. The current atr is 0.27592127.

UNIQA Insurance Group AG Daily Average True Range (ATR) ChartUNIQA Insurance Group AG Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of UNIQA Insurance Group AG. The current obv is 13,220,996.

UNIQA Insurance Group AG Daily On-Balance Volume (OBV) ChartUNIQA Insurance Group AG Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of UNIQA Insurance Group AG. The current mfi is 36.88.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
UNIQA Insurance Group AG Daily Money Flow Index (MFI) ChartUNIQA Insurance Group AG Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for UNIQA Insurance Group AG.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-07CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-02-11WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-02-19STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-20MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-02-21RSI SHORT ENTRY LONG CLOSE70 crossover to downside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-02-24STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-27STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-03STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-04RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-07STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-11RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-03-12STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-13RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-14STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-18ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-19MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-03-20STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-24STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-31RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-04-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-04-03RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-04-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-07CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-08STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-09STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-04-10STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-14SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-16DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-04-17WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-04-22MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-23STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-25STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-29STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-04-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-02STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-06STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-12RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-14STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-19STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-20STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-21STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-22STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-23ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-26STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-27STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-02STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-05STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-06STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-09STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-10MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-06-11MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-06-12SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-16CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-17DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-18STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-19STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-06-24STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-26STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-30CMO LONG ENTRY SHORT CLOSEZero line crossover to upside

6.3. Candlestick Patterns

UNIQA Insurance Group AG Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of UNIQA Insurance Group AG based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5053.455
Ma 20Greater thanMa 5011.707
Ma 50Greater thanMa 10010.999
Ma 100Greater thanMa 2009.847
OpenGreater thanClose11.320
Total4/5 (80.0%)
Penke
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