UNIQA Insurance Group reported a strong 2025, with higher premiums, stronger earnings, and a sharper capital position. The company said its Group Report and Solvency Capital Report confirm results ahead of internal planning, supported by growth across all business lines and measurable progress on ESG targets.
Gross written premiums increased 8.2% to €8.4 bn in 2025. Property and casualty insurance delivered the strongest growth, rising 10%.
Health insurance premiums increased 6.3%, while life insurance grew 5.1%. Profit before tax climbed 16.9% to €516.4 mn, reflecting stronger earnings power and better operating discipline.
Kurt Svoboda, CFO and CRO of UNIQA Insurance Group, said 2025 showed the company executing faster than planned. He pointed to stronger profitability and a wider capital base during a period of geopolitical uncertainty.
2025 was a year for UNIQA in which we not only implemented our strategy, but clearly exceeded it. We are ‘Ahead of Plan’, and for us this means: growing faster, becoming more profitable and strengthening our capital base precisely at a time when geopolitical uncertainties are increasing.
Kurt Svoboda, CFO/CRO of UNIQA Insurance Group AG
“Our exceptionally strong performance impressively demonstrates that UNIQA remains a highly reliable anchor of stability even in a challenging environment,” says Kurt Svoboda.
According to Beinsure analysts, the result gives UNIQA more flexibility across underwriting, investment management, and capital allocation.
Svoboda said UNIQA’s strategic measures are working faster than expected. The company continues improving its combined ratio, expanding capital resources, and strengthening profitability across the group.
UNIQA’s Solvency II capital ratio increased by 11 percentage points year on year, reaching 275% as of 31 December 2025. The ratio stood at 264% in 2024.
Svoboda said the stronger solvency position supports security and trust during a period of elevated geopolitical tension.
The regulatory capital ratio was based on eligible own funds of €7.21 bn and a solvency capital requirement of €2.63 bn. Tier 1 capital accounted for 90% of own funds, giving the group a strong capital structure under Solvency II rules.
UNIQA also published its Sustainability Report as part of the 2025 Group Report. The report follows requirements under the EU Corporate Sustainability Reporting Directive.
René Knapp, UNIQA management board member responsible for sustainability, said sustainability remains part of the company’s business model rather than a side agenda. UNIQA has set a net-zero path for Austria by 2040 and for the full group by 2050.
The company continues exiting coal, oil, and natural gas exposures across investments and corporate business.
UNIQA also improved several ESG indicators during the year. Its investment portfolio decarbonisation progressed sharply, with weighted average carbon intensity falling to 42 tonnes of CO₂e per €1 mn of revenue.
That marks a 57.5% reduction compared with the 2021 base year and puts UNIQA close to its original 2030 target.
External ESG ratings also improved during the reporting year. Sustainalytics lowered UNIQA’s ESG risk score from 18.9 to 17.1 points, signalling reduced material ESG risk and stronger sustainability management. CDP upgraded UNIQA to A-, giving the insurer its first rating at this level.
The S&P ESG Score increased from 43 to 49 points. Capital markets often read such improvements as evidence of stronger processes, better data quality, and more mature management systems.
Sustainable investment volume reached €2.5 bn, already above UNIQA’s strategic target of €2 bn. The group also increased financing for infrastructure and energy projects linked to decarbonisation.
UNIQA made further progress in its own operations. The electrification rate of its Austrian vehicle fleet rose to 74%, up from 57.2% a year earlier.
Based on current progress, the company remains on track to complete the shift to electric vehicles in Austria by 2030.
The group also reduced its adjusted gender pay gap. The adjusted figure declined to 2.4% in 2025, compared with 3.4% in 2024. UNIQA said annual reviews, governance measures, and closer links to remuneration systems supported the improvement.
