UNIQA Insurance Group AGUNIXY 65 Return-on-Tangible-Equity is 20.37% as of Dec. 2025, which is 66% above its 10-year median of 12.27. GuruFocus rates UNIXY with a GF Scoreâ„¢ of 65/100 and a GF Valueâ„¢ of $11.96. The stock has 5 warning signs investors should review. Among 500 Insurance companies, UNIQA Insurance Group AG ranks better than 72% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. UNIQA Insurance Group AG's annualized net income for the quarter that ended in Dec. 2025 was $450 Mil. UNIQA Insurance Group AG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $2,212 Mil. Therefore, UNIQA Insurance Group AG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 20.37%.
The historical rank and industry rank for UNIQA Insurance Group AG's Return-on-Tangible-Equity or its related term are showing as below:
UNIXY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.72 Med: 12.27 Max: 22.89
Current: 22.41
During the past 13 years, UNIQA Insurance Group AG's highest Return-on-Tangible-Equity was 22.89%. The lowest was 0.72%. And the median was 12.27%.
UNIXY's Return-on-Tangible-Equity is ranked better than 72% of 500
companies
in the Insurance industry
Industry Median: 13.515
vs UNIXY: 22.41
UNIQA Insurance Group AG (OTCPK:UNIXY) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
UNIQA Insurance Group AG Return-on-Tangible-Equity Related Terms
UNIQA Insurance Group AG Return-on-Tangible-Equity Historical Data
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The historical data trend for UNIQA Insurance Group AG's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
UNIXY vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, UNIQA Insurance Group AG's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, UNIQA Insurance Group AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where UNIQA Insurance Group AG's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 20.37% mean?
UNIQA Insurance Group AG (UNIXY) has a Return-on-Tangible-Equity of 20.37% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on UNIQA Insurance Group AG and its competitors. This is 66% above median its historical median of 12.27. Over the past decade, UNIQA Insurance Group AG's Return-on-Tangible-Equity has ranged from 0.72 to 22.89. According to the industry distribution chart, UNIQA Insurance Group AG ranks #140 out of 500 companies in the Insurance industry, placing it in the top 28%.
Is UNIQA Insurance Group AG's Return-on-Tangible-Equity too high?
UNIQA Insurance Group AG's current Return-on-Tangible-Equity of 20.37% is 66% above median its 10-year median of 12.27. Over the past 10 years, this metric has ranged from a low of 0.72 to a high of 22.89. The Insurance industry median Return-on-Tangible-Equity is 13.52. UNIQA Insurance Group AG's value of 20.37% is 50.7% above this industry median. Based on the distribution chart, UNIQA Insurance Group AG ranks #140 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, UNIQA Insurance Group AG has a GF Scoreâ„¢ of 65/100, reflecting its overall financial health beyond just this single metric.
How does UNIQA Insurance Group AG's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, UNIQA Insurance Group AG ranks #140 out of 500 companies for Return-on-Tangible-Equity. This puts UNIQA Insurance Group AG in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.52. UNIQA Insurance Group AG's value of 20.37% is 50.7% above this benchmark. Historically, UNIQA Insurance Group AG's own Return-on-Tangible-Equity has ranged from 0.72 to 22.89 over the past decade. While the company's 10-year median is 12.27 vs. the industry median of 13.52, UNIQA Insurance Group AG has consistently been above 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UNIQA Insurance Group AG's current Return-on-Tangible-Equity of 20.37% is 50.7% above 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on UNIQA Insurance Group AG and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UNIQA Insurance Group AG's current Return-on-Tangible-Equity is 20.37%, which is 66% above median its own 10-year median of 12.27. 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?
UNIQA Insurance Group AG (UNIXY) has a current Return-on-Tangible-Equity of 20.37%. The stock's GF Value™ is $11.96, compared to a current price of $18.35 — trading 53.4% above its estimated fair value. The current Return-on-Tangible-Equity is 20.37%, which is 66% above median its 10-year median of 12.27 and 50.7% above the Insurance industry median of 13.52. UNIQA Insurance Group AG's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For UNIQA Insurance Group AG (UNIXY), the current Return-on-Tangible-Equity is 20.37% 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 (UNIXY) Overvalued in 2026?
Based on GuruFocus' analysis, UNIQA Insurance Group AG stock appears to be overvalued.
The current stock price of $18.35 is trading 53.4% above its estimated GF Value™ of $11.96.
Key valuation signals for UNIXY:
Return-on-Tangible-Equity: 20.37% (66% above median its 10-year median of 12.27)
GF Value™: $11.96 vs. price of $18.35 (53.4% above fair value)
Industry Position: 50.7% above the Insurance median (#140 of 500)
No single metric tells the full story. See the UNIXY 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.
65GF Score
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