UNIQA Insurance Group AGCHIX:UQAV 71 EV-to-FCF is 7.62 as of Jul. 07, 2026, which is 10% above its 10-year median of 6.95. GuruFocus rates CHIX:UQAV with a GF Score™ of 71/100 and a GF Value™ of €11.45 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 393 Insurance companies, UNIQA Insurance Group AG ranks better than 59.8% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, UNIQA Insurance Group AG's Enterprise Value is €6,413 Mil.
UNIQA Insurance Group AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €842 Mil. Therefore, UNIQA Insurance Group AG's EV-to-FCF for today is 7.62.
The historical rank and industry rank for UNIQA Insurance Group AG's EV-to-FCF or its related term are showing as below:
CHIX:UQAv'
s EV-to-FCF Range Over the Past 10 Years
Min: -24.67 Med: 6.95 Max: 82.24
Current: 7.56
During the past 13 years, the highest EV-to-FCF of UNIQA Insurance Group AG was 82.24. The lowest was -24.67. And the median was 6.95.
CHIX:UQAv's EV-to-FCF is ranked better than 59.8% of 393
companies
in the Insurance industry
Industry Median: 9.8
vs CHIX:UQAv: 7.56
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
UNIQA Insurance Group AG (CHIX:UQAv) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
UNIQA Insurance Group AG's PE Ratio (TTM) for today is calculated as:
UNIQA Insurance Group AG's share price for today is €17.68.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. UNIQA Insurance Group AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €1.380.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
UNIQA Insurance Group AG EV-to-FCF Related Terms
UNIQA Insurance Group AG EV-to-FCF Historical Data
* 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.
CHIX:UQAV vs BRK.A, AIG, HIG: EV-to-FCF Comparison
For the Insurance - Diversified subindustry, UNIQA Insurance Group AG's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, UNIQA Insurance Group AG's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where UNIQA Insurance Group AG's EV-to-FCF falls into.
UNIQA Insurance Group AG's current Enterprise Value is €6,413 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. UNIQA Insurance Group AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €842 Mil.
* 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 (CHIX:UQAV) has a EV-to-FCF of 7.62 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on UNIQA Insurance Group AG and its competitors. This is 10% above median its historical median of 6.95. According to the industry distribution chart, UNIQA Insurance Group AG ranks #158 out of 393 companies in the Insurance industry, placing it in the top 40.2%.
Is UNIQA Insurance Group AG's EV-to-FCF too high?
UNIQA Insurance Group AG's current EV-to-FCF of 7.62 is 10% above median its 10-year median of 6.95. The Insurance industry median EV-to-FCF is 9.80. UNIQA Insurance Group AG's value of 7.62 is 22.2% below this industry median. Based on the distribution chart, UNIQA Insurance Group AG ranks #158 out of 393 companies in the Insurance industry, which is above the industry midpoint. Overall, UNIQA Insurance Group AG has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UNIQA Insurance Group AG's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, UNIQA Insurance Group AG ranks #158 out of 393 companies for EV-to-FCF. This puts UNIQA Insurance Group AG in the upper half of its industry. The industry median EV-to-FCF is 9.80. UNIQA Insurance Group AG's value of 7.62 is 22.2% below this benchmark. While the company's 10-year median is 6.95 vs. the industry median of 9.80, UNIQA Insurance Group AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.80, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UNIQA Insurance Group AG's current EV-to-FCF of 7.62 is 22.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on UNIQA Insurance Group AG and its competitors. For the Insurance industry, the median EV-to-FCF is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UNIQA Insurance Group AG's current EV-to-FCF is 7.62, which is 10% above median its own 10-year median of 6.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UNIQA Insurance Group AG stock overvalued right now?
Based on GuruFocus' analysis, UNIQA Insurance Group AG (CHIX:UQAV) is currently considered Significantly Overvalued. The stock's GF Value™ is €11.45, compared to a current price of €17.68 — trading 54.4% above its estimated fair value. The current EV-to-FCF is 7.62, which is 10% above median its 10-year median of 6.95 and 22.2% below the Insurance industry median of 9.80. UNIQA Insurance Group AG's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For UNIQA Insurance Group AG (CHIX:UQAV), the current EV-to-FCF is 7.62 as of Jul. 07, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UNIQA Insurance Group AG (CHIX:UQAV) Overvalued in 2026?
Based on GuruFocus' analysis, UNIQA Insurance Group AG stock appears to be overvalued.
The current stock price of €17.68 is trading 54.4% above its estimated GF Value™ of €11.45.
GuruFocus considers UNIQA Insurance Group AG to be Significantly Overvalued.
Key valuation signals for CHIX:UQAV:
EV-to-FCF: 7.62 (10% above median its 10-year median of 6.95)
GF Value™: €11.45 vs. price of €17.68 (54.4% above fair value)
Industry Position: 22.2% below the Insurance median (#158 of 393)
No single metric tells the full story. See the CHIX:UQAV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
71GF Score
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