UNIQA Insurance Group AG (WBO:UQA) Moat Score: 0/10 (As of Jul. 22, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WBO:UQA UNIQA Insurance Group AG WBO:UQA
60 GF Score
Price €17.24
GF Value €11.33
Valuation Significantly Overvalued
! 4 Warning Signs
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What is UNIQA Insurance Group AG Moat Score?

UNIQA Insurance Group AG has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

UNIQA Insurance Group AG has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes UNIQA Insurance Group AG might have No Moat - No discernible moat.

UNIQA Insurance Group AG  (WBO:UQA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

UNIQA Insurance Group AG Moat Score Related Terms

WBO:UQA
60GF Score
UNIQA Insurance Group AG WBO:UQA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is UNIQA Insurance Group AG (WBO:UQA) Overvalued in 2026?

Based on GuruFocus' analysis, UNIQA Insurance Group AG stock appears to be overvalued. The current stock price of €17.24 is trading 52.2% above its estimated GF Value™ of €11.33. GuruFocus considers UNIQA Insurance Group AG to be Significantly Overvalued.

Key valuation signals for WBO:UQA:

  • Moat Score: 0
  • GF Value™: €11.33 vs. price of €17.24 (52.2% above fair value)
  • GF Score™: 60/100 with 4 warning signs

No single metric tells the full story. See the WBO:UQA 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.
60GF Score

Get the complete analysis for WBO:UQA

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

€17.24
Price
€11.33
GF Value