“2025 was a year for UNIQA in which we not only implemented our strategy, but clearly exceeded it,” says Kurt Svoboda, CFO/CRO of UNIQA Insurance Group AG, commenting on the publication of the Group Report and the Solvency Capital Report 2025. “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. Our exceptionally strong performance impressively demonstrates that UNIQA remains a highly reliable anchor of stability even in a challenging environment.”
The 2025 Group Report and the Solvency Capital Report confirm an operationally and financially exceptional year. Gross written premiums increased by 8.2 percent in 2025 to EUR 8.4 billion, driven by all business lines – with particularly strong growth in property and casualty insurance (+10.0 percent) and significant increases in health insurance (+6.3 percent) and life insurance (+5.1 percent). Profit before tax also rose sharply, reaching EUR 516.4 million, an increase of 16.9 percent. “This profitable growth shows that our strategic measures are taking effect faster than planned – we are strengthening our earnings power, sustainably improving our combined ratio and further expanding our capital base,” Svoboda emphasizes.
Capital ratio rises to 275 percent
The regulatory capital ratio under Solvency II increased by a further 11 percentage points year on year. This key figure, which is regarded as an indicator of capitalization, stood at a high level of 275 percent as at 31 December 2025 (2024: 264 percent). “Especially in times of significant geopolitical tensions, our strong solvency ratio is a key factor for security, resilience and trust,” says Svoboda.
The regulatory capital ratio is derived from eligible own funds of EUR 7,212 million (2024: EUR 6,211 million) and a solvency capital requirement of EUR 2,626 million (2024: EUR 2,350 million). The share of particularly secure Tier 1 capital (core capital) currently accounts for 90 percent of UNIQA’s own funds.
At the same time, UNIQA published its current Sustainability Report, which, as in the previous year, forms part of the 2025 Group Report. The basis for this is the EU directive on sustainability reporting, the Corporate Sustainability Reporting Directive (CSRD).
On track for net zero: in Austria by 2040, group-wide by 2050
“Sustainability is not a side issue for UNIQA, but a central component of our business model. With our transition plan, we were the first listed insurance company in Austria to define a clear, binding pathway: net-zero emissions in Austria by 2040 and across the Group by 2050. The exit from coal, oil and natural gas in investments and in corporate business, as well as significant progress in independent ESG ratings, underline this: we are consistently pursuing our sustainable path with conviction and measurable progress. In doing so, we are combining economic success with responsibility towards the environment and society,” explains René Knapp, member of the Management Board of UNIQA Insurance Group AG responsible for sustainability.
Significant progress in international ESG ratings
In 2025, UNIQA further accelerated its sustainable transformation and significantly improved key ESG indicators. This development is also reflected in several internationally recognized ESG ratings, in which the company was able to achieve clear progress during the reporting year and establish itself among the top performers in the industry.
A key driver is the consistent decarbonization of the investment portfolio: the weighted average carbon intensity (WACI) of the investment portfolio fell to 42 t CO₂e per million euros of revenue – a reduction of 57.5 percent compared with the base year 2021. This means that UNIQA is already close to the target value originally defined for 2030.
Sustainalytics confirms declining ESG risks
This development is also evident in external assessments. In the Sustainalytics ESG Risk Rating (Morningstar), the ESG risk score improved from 18.9 to 17.1 points. This reduction indicates a further decrease in material ESG risks and underlines the continuous strengthening of governance, sustainability management and transparency.
CDP upgrades UNIQA to a strong A-
In the CDP climate rating, UNIQA achieved an A- rating for the first time. CDP is regarded as a globally established platform for analyzing climate strategies and companies’ management of climate-related risks and opportunities, and serves as an important decision-making basis for investors and other stakeholders.
S&P ESG score increases significantly
In addition, the S&P ESG Score increased from 43 to 49 points during the reporting year. The score is compiled by the internationally renowned analysis and rating provider S&P Global as part of a comprehensive, sector-specific assessment and evaluates companies’ performance in the areas of environmental, social and governance. Improvements are regarded by capital markets as an indication of strengthened processes, higher data quality and more advanced management mechanisms.
Sustainable investments
With a sustainable investment volume of EUR 2.5 billion, UNIQA has already clearly exceeded its strategic target of EUR 2 billion. In addition, the company is increasingly financing infrastructure and energy projects that actively contribute to decarbonization.
Electrification of the vehicle fleet
UNIQA is also ahead of plan in its own operations: the electrification of the vehicle fleet in Austria is progressing rapidly and has already reached 74 percent, a significant improvement compared with the previous year (57.2 percent). From today’s perspective, this puts UNIQA on track to complete the full transition to electric vehicles in Austria by 2030.
Progress on the gender pay gap
UNIQA also made progress in reducing the adjusted gender pay gap: the newly calculated, adjusted indicators show a further reduction in differences, supported by clear governance measures, annual reviews and strong integration into remuneration systems. The adjusted gender pay gap for 2025 stands at 2.4 percent (2024: 3.4 percent).
The reports
Group Report
Solvency Capital Report
Further reading
Excellent year 2025: UNIQA significantly increases earnings and dividend
Forward-looking statements disclaimer
This communication contains statements relating to the future development of UNIQA. These statements represent assessments made on the basis of all information available to us at the present time. If the assumptions on which they are based do not materialize, actual results may differ from those currently expected. Therefore, no guarantee can be given for these statements.