Profit before tax also rose sharply, reaching EUR 516.4 million, an increase of 16.9%, the 2025 Group Report and the Solvency Capital Report confirm an operationally and financially exceptional year.
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% as at 31 December 2025 (2024: 264%).
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% 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).
“2025 was a year for UNIQA in which we not only implemented our strategy, but clearly exceeded it”, said 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”, he added.
“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 emphasized.
The full report can be found here.
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