UNIQA Insurance Group AGXTER:UN9 +1.83%66 Net Margin % is 8.76% as of Dec. 2025, which is 89% above its 10-year median of 4.64. GuruFocus rates XTER:UN9 with a GF Score™ of 66/100 and a GF Value™ of €11.54 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 501 Insurance companies, UNIQA Insurance Group AG ranks worse than 59.68% on this metric.
The historical rank and industry rank for UNIQA Insurance Group AG's Net Margin % or its related term are showing as below:
XTER:UN9'
s Net Margin % Range Over the Past 10 Years
Min: 0.34 Med: 4.64 Max: 7.44
Current: 7.17
XTER:UN9's Net Margin % is ranked worse than 59.68% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs XTER:UN9: 7.17
UNIQA Insurance Group AG (XTER:UN9) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
UNIQA Insurance Group AG Net Margin % Related Terms
UNIQA Insurance Group AG Net Margin % 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.
XTER:UN9 vs BRK.A, AIG, HIG: Net Margin % Comparison
For the Insurance - Diversified subindustry, UNIQA Insurance Group AG's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, UNIQA Insurance Group AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where UNIQA Insurance Group AG's Net Margin % falls into.
* 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 (XTER:UN9) has a Net Margin % of 8.76% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on UNIQA Insurance Group AG and its competitors. This is 89% above median its historical median of 4.64. Over the past decade, UNIQA Insurance Group AG's Net Margin % has ranged from 0.34 to 7.44. According to the industry distribution chart, UNIQA Insurance Group AG ranks #299 out of 501 companies in the Insurance industry, placing it in the top 59.7%.
Is UNIQA Insurance Group AG's Net Margin % too high?
UNIQA Insurance Group AG's current Net Margin % of 8.76% is 89% above median its 10-year median of 4.64. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 7.44. The Insurance industry median Net Margin % is 9.29. UNIQA Insurance Group AG's value of 8.76% is 5.7% below this industry median. Based on the distribution chart, UNIQA Insurance Group AG ranks #299 out of 501 companies in the Insurance industry, which is below the industry midpoint. Overall, UNIQA Insurance Group AG has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UNIQA Insurance Group AG's Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, UNIQA Insurance Group AG ranks #299 out of 501 companies for Net Margin %. This places UNIQA Insurance Group AG in the lower half of its industry. The industry median Net Margin % is 9.29. UNIQA Insurance Group AG's value of 8.76% is 5.7% below this benchmark. Historically, UNIQA Insurance Group AG's own Net Margin % has ranged from 0.34 to 7.44 over the past decade. While the company's 10-year median is 4.64 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UNIQA Insurance Group AG's current Net Margin % of 8.76% is 5.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on UNIQA Insurance Group AG and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UNIQA Insurance Group AG's current Net Margin % is 8.76%, which is 89% above median its own 10-year median of 4.64. 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 (XTER:UN9) is currently considered Significantly Overvalued. The stock's GF Value™ is €11.54, compared to a current price of €17.78 — trading 54.1% above its estimated fair value. The current Net Margin % is 8.76%, which is 89% above median its 10-year median of 4.64 and 5.7% below the Insurance industry median of 9.29. UNIQA Insurance Group AG's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For UNIQA Insurance Group AG (XTER:UN9), the current Net Margin % is 8.76% as of Dec. 2025. 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 (XTER:UN9) Overvalued in 2026?
Based on GuruFocus' analysis, UNIQA Insurance Group AG stock appears to be overvalued.
The current stock price of €17.78 is trading 54.1% above its estimated GF Value™ of €11.54.
GuruFocus considers UNIQA Insurance Group AG to be Significantly Overvalued.
Key valuation signals for XTER:UN9:
Net Margin %: 8.76% (89% above median its 10-year median of 4.64)
GF Value™: €11.54 vs. price of €17.78 (54.1% above fair value)
Industry Position: 5.7% below the Insurance median (#299 of 501)
No single metric tells the full story. See the XTER:UN9 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.
66GF Score
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