UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
BIT:UNI - Euronext Milan - IT0004810054 - Common Stock - Currency: EUR
Taking everything into account, UNI scores 4 out of 10 in our fundamental rating. UNI was compared to 33 industry peers in the Insurance industry. UNI has a medium profitability rating, but doesn't score so well on its financial health evaluation. UNI is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year UNI was profitable.
In the past year UNI had a positive cash flow from operations.
UNI had positive earnings in each of the past 5 years.
Of the past 5 years UNI 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of UNI (1.49%) is better than 69.44% of its industry peers.
Looking at the Return On Equity, with a value of 14.71%, UNI is in the better half of the industry, outperforming 61.11% of the companies in the same industry.
UNI's Return On Invested Capital of 1.02% is in line compared to the rest of the industry. UNI outperforms 41.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 14.71% | ||
| ROIC | 1.02% |
ROA(3y)1.13%
ROA(5y)1.01%
ROE(3y)11%
ROE(5y)10.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UNI has a Profit Margin of 10.45%. This is in the better half of the industry: UNI outperforms 72.22% of its industry peers.
In the last couple of years the Profit Margin of UNI has grown nicely.
UNI has a Operating Margin of 8.29%. This is in the lower half of the industry: UNI underperforms 63.89% of its industry peers.
UNI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.29% | ||
| PM (TTM) | 10.45% | ||
| GM | N/A |
OM growth 3Y2.99%
OM growth 5Y6.61%
PM growth 3Y40.02%
PM growth 5Y15.84%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UNI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, UNI has about the same amount of shares outstanding.
The number of shares outstanding for UNI remains at a similar level compared to 5 years ago.
The debt/assets ratio for UNI is higher compared to a year ago.
2.2 Solvency
UNI has a debt to FCF ratio of 34.81. This is a negative value and a sign of low solvency as UNI would need 34.81 years to pay back of all of its debts.
The Debt to FCF ratio of UNI (34.81) is worse than 75.00% of its industry peers.
UNI has a Debt/Equity ratio of 0.67. This is a neutral value indicating UNI is somewhat dependend on debt financing.
UNI has a Debt to Equity ratio of 0.67. This is in the lower half of the industry: UNI underperforms 61.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 34.81 | ||
| Altman-Z | N/A |
ROIC/WACC0.15
WACC6.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UNI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 107.19%, which is quite impressive.
UNI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.51% yearly.
UNI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.91%.
The Revenue for UNI have been decreasing by -10.62% on average. This is quite bad
EPS 1Y (TTM)107.19%
EPS 3Y19.62%
EPS 5Y3.51%
EPS Q2Q%22.84%
Revenue 1Y (TTM)19.91%
Revenue growth 3Y-14.53%
Revenue growth 5Y-10.62%
Sales Q2Q%4.37%
3.2 Future
Based on estimates for the next years, UNI will show a small growth in Earnings Per Share. The EPS will grow by 5.60% on average per year.
The Revenue is expected to grow by 4.10% on average over the next years.
EPS Next Y6%
EPS Next 2Y5.18%
EPS Next 3Y5.6%
EPS Next 5YN/A
Revenue Next Year4.2%
Revenue Next 2Y4.13%
Revenue Next 3Y4.1%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.66, which indicates a very decent valuation of UNI.
Compared to the rest of the industry, the Price/Earnings ratio of UNI indicates a rather cheap valuation: UNI is cheaper than 94.44% of the companies listed in the same industry.
UNI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
A Price/Forward Earnings ratio of 8.59 indicates a reasonable valuation of UNI.
Based on the Price/Forward Earnings ratio, UNI is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of UNI to the average of the S&P500 Index (22.10), we can say UNI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.66 | ||
| Fwd PE | 8.59 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UNI indicates a slightly more expensive valuation: UNI is more expensive than 77.78% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 66.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.44
PEG (5Y)2.47
EPS Next 2Y5.18%
EPS Next 3Y5.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.62%, UNI has a reasonable but not impressive dividend return.
UNI's Dividend Yield is slightly below the industry average, which is at 4.64.
UNI's Dividend Yield is comparable with the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.62% |
5.2 History
The dividend of UNI is nicely growing with an annual growth rate of 24.66%!
Dividend Growth(5Y)24.66%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
28.85% of the earnings are spent on dividend by UNI. This is a low number and sustainable payout ratio.
The dividend of UNI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.85%
EPS Next 2Y5.18%
EPS Next 3Y5.6%
BIT:UNI (3/7/2025, 7:00:00 PM)
14.46
-0.02 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners19.81%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap10.37B
Analysts80
Price Target15.28 (5.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.62% |
Yearly Dividend0.54
Dividend Growth(5Y)24.66%
DP28.85%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)15.77%
PT rev (3m)15.77%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.03%
EPS NY rev (3m)1.01%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.89%
Revenue NY rev (3m)1.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.66 | ||
| Fwd PE | 8.59 | ||
| P/S | 0.91 | ||
| P/FCF | 66.5 | ||
| P/OCF | 8.09 | ||
| P/B | 1.28 | ||
| P/tB | 1.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.67
EY11.55%
EPS(NY)1.68
Fwd EY11.65%
FCF(TTM)0.22
FCFY1.5%
OCF(TTM)1.79
OCFY12.36%
SpS15.95
BVpS11.34
TBVpS7.86
PEG (NY)1.44
PEG (5Y)2.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 14.71% | ||
| ROCE | 1.19% | ||
| ROIC | 1.02% | ||
| ROICexc | 1.04% | ||
| ROICexgc | 1.14% | ||
| OM | 8.29% | ||
| PM (TTM) | 10.45% | ||
| GM | N/A | ||
| FCFM | 1.36% |
ROA(3y)1.13%
ROA(5y)1.01%
ROE(3y)11%
ROE(5y)10.07%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y-12.08%
ROICexcg growth 5Y-5.61%
ROICexc growth 3Y-13.19%
ROICexc growth 5Y-6.28%
OM growth 3Y2.99%
OM growth 5Y6.61%
PM growth 3Y40.02%
PM growth 5Y15.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 34.81 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 9.84% | ||
| Interest Coverage | 4.12 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 13.04% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC6.93%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)107.19%
EPS 3Y19.62%
EPS 5Y3.51%
EPS Q2Q%22.84%
EPS Next Y6%
EPS Next 2Y5.18%
EPS Next 3Y5.6%
EPS Next 5YN/A
Revenue 1Y (TTM)19.91%
Revenue growth 3Y-14.53%
Revenue growth 5Y-10.62%
Sales Q2Q%4.37%
Revenue Next Year4.2%
Revenue Next 2Y4.13%
Revenue Next 3Y4.1%
Revenue Next 5YN/A
EBIT growth 1Y325.11%
EBIT growth 3Y-11.98%
EBIT growth 5Y-4.71%
EBIT Next Year1133.43%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-87.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-45.83%
OCF growth 3YN/A
OCF growth 5YN/A