UNIQA Insurance Group AG (MIL:1UQA) Debt-to-EBITDA : (As of Jun. 2026)

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MIL:1UQA UNIQA Insurance Group AG MIL:1UQA
40 GF Score
Price €18.80
GF Value €11.85
Valuation Significantly Overvalued
! 5 Warning Signs
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What is UNIQA Insurance Group AG Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

UNIQA Insurance Group AG's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0 Mil. UNIQA Insurance Group AG's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €1,777 Mil. UNIQA Insurance Group AG's annualized EBITDA for the quarter that ended in Jun. 2026 was €543 Mil. UNIQA Insurance Group AG's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 3.27.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for UNIQA Insurance Group AG's Debt-to-EBITDA or its related term are showing as below:

MIL:1UQA' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.59   Med: 2.62   Max: 5.62
Current: 2.4

During the past 13 years, the highest Debt-to-EBITDA Ratio of UNIQA Insurance Group AG was 5.62. The lowest was 1.59. And the median was 2.62.

MIL:1UQA's Debt-to-EBITDA is ranked worse than
74.12% of 313 companies
in the Insurance industry
Industry Median: 1.24 vs MIL:1UQA: 2.40

UNIQA Insurance Group AG  (MIL:1UQA) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


UNIQA Insurance Group AG Debt-to-EBITDA Related Terms


UNIQA Insurance Group AG Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for UNIQA Insurance Group AG's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

UNIQA Insurance Group AG Debt-to-EBITDA Chart

UNIQA Insurance Group AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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UNIQA Insurance Group AG Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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MIL:1UQA vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison

For the Insurance - Diversified subindustry, UNIQA Insurance Group AG's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


UNIQA Insurance Group AG Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, UNIQA Insurance Group AG's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where UNIQA Insurance Group AG's Debt-to-EBITDA falls into.


MIL:1UQA
40GF Score
UNIQA Insurance Group AG MIL:1UQA
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

UNIQA Insurance Group AG Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

UNIQA Insurance Group AG's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(27.388 + 1370.004) / 482.577
=2.90

UNIQA Insurance Group AG's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 1776.8) / 543.2
=3.27

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is two times the quarterly (Jun. 2026) EBITDA data.

Is UNIQA Insurance Group AG (MIL:1UQA) Overvalued in 2026?

Based on GuruFocus' analysis, UNIQA Insurance Group AG stock appears to be overvalued. The current stock price of €18.80 is trading 58.6% above its estimated GF Value™ of €11.85. GuruFocus considers UNIQA Insurance Group AG to be Significantly Overvalued.

Key valuation signals for MIL:1UQA:

  • Debt-to-EBITDA:
  • GF Value™: €11.85 vs. price of €18.80 (58.6% above fair value)
  • GF Score™: 40/100 with 5 warning signs

No single metric tells the full story. See the MIL:1UQA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


UNIQA Insurance Group AG Business Description

Address Untere Donaustrasse 21, Vienna, AUT, A-1029
UNIQA Insurance Group AG business activities mainly comprise the business with property and casualty, as well as health and life insurance. The group is having following operating segments UNIQA Austria includes the Austrian insurance business; UNIQA International includes all international primary insurance companies and international service companies as well as investment management companies and pension funds; and Reinsurance includes UNIQA Re AG (Zurich, Switzerland) and the reinsurance business of UNIQA Insurance Group AG. The company generates majority of revenue comes from UNIQA Austria.
40GF Score

Get the complete analysis for MIL:1UQA

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€18.80
Price
€11.85
GF Value