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 38 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 valued correctly, but it does not seem to be growing. UNI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
UNI had positive earnings in the past year.
In the past year UNI had a positive cash flow from operations.
UNI had positive earnings in each of the past 5 years.
Each year in the past 5 years UNI had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.29%, UNI is doing good in the industry, outperforming 68.42% of the companies in the same industry.
UNI's Return On Equity of 11.52% is on the low side compared to the rest of the industry. UNI is outperformed by 63.16% of its industry peers.
UNI has a worse Return On Invested Capital (0.79%) than 60.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 11.52% | ||
| ROIC | 0.79% |
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 (9.68%) which is in line with its industry peers.
UNI's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 6.88%, UNI is not doing good in the industry: 73.68% of the companies in the same industry are doing better.
UNI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.88% | ||
| PM (TTM) | 9.68% | ||
| GM | N/A |
OM growth 3Y-4.12%
OM growth 5Y2.13%
PM growth 3Y31.37%
PM growth 5Y11.49%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UNI is destroying value.
The number of shares outstanding for UNI remains at a similar level compared to 1 year ago.
The number of shares outstanding for UNI remains at a similar level compared to 5 years ago.
UNI has a worse debt/assets ratio than last year.
2.2 Solvency
UNI has a debt to FCF ratio of 3.48. This is a good value and a sign of high solvency as UNI would need 3.48 years to pay back of all of its debts.
UNI has a Debt to FCF ratio of 3.48. This is comparable to the rest of the industry: UNI outperforms 52.63% of its industry peers.
UNI has a Debt/Equity ratio of 0.60. This is a neutral value indicating UNI is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.60, UNI perfoms like the industry average, outperforming 47.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.48 | ||
| Altman-Z | N/A |
ROIC/WACC0.11
WACC7.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for UNI have decreased by -2.45% in the last year.
The Earnings Per Share has been growing slightly by 3.54% on average over the past years.
UNI shows a decrease in Revenue. In the last year, the revenue decreased by -1.12%.
The Revenue has been decreasing by -7.13% on average over the past years.
EPS 1Y (TTM)-2.45%
EPS 3Y19.68%
EPS 5Y3.54%
EPS Q2Q%-17.81%
Revenue 1Y (TTM)-1.12%
Revenue growth 3Y-8.9%
Revenue growth 5Y-7.13%
Sales Q2Q%-5.72%
3.2 Future
The Earnings Per Share is expected to grow by 5.52% on average over the next years.
Based on estimates for the next years, UNI will show a small growth in Revenue. The Revenue will grow by 4.52% on average per year.
EPS Next Y4.74%
EPS Next 2Y5.12%
EPS Next 3Y5.52%
EPS Next 5YN/A
Revenue Next Year3.88%
Revenue Next 2Y4.32%
Revenue Next 3Y4.52%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
UNI is valuated reasonably with a Price/Earnings ratio of 10.98.
UNI's Price/Earnings ratio is a bit cheaper when compared to the industry. UNI is cheaper than 73.68% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. UNI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.89, the valuation of UNI can be described as reasonable.
73.68% of the companies in the same industry are more expensive than UNI, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.76. UNI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 9.89 |
4.2 Price Multiples
71.05% of the companies in the same industry are more expensive than UNI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.31
PEG (5Y)3.1
EPS Next 2Y5.12%
EPS Next 3Y5.52%
5. Dividend
5.1 Amount
UNI has a Yearly Dividend Yield of 5.20%, which is a nice return.
UNI's Dividend Yield is a higher than the industry average which is at 4.58.
UNI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.2% |
5.2 History
The dividend of UNI is nicely growing with an annual growth rate of 22.12%!
Dividend Growth(5Y)22.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
32.59% 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.
DP32.59%
EPS Next 2Y5.12%
EPS Next 3Y5.52%
BIT:UNI (7/11/2025, 5:36:15 PM)
16.465
+0.02 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners17.42%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.81B
Analysts81.82
Price Target18.91 (14.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.2% |
Yearly Dividend0.49
Dividend Growth(5Y)22.12%
DP32.59%
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)11.7%
PT rev (3m)18.86%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)7.73%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 9.89 | ||
| P/S | 1.06 | ||
| P/FCF | 7.42 | ||
| P/OCF | 4.69 | ||
| P/B | 1.27 | ||
| P/tB | 1.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY9.11%
EPS(NY)1.66
Fwd EY10.11%
FCF(TTM)2.22
FCFY13.48%
OCF(TTM)3.51
OCFY21.31%
SpS15.46
BVpS12.99
TBVpS9.43
PEG (NY)2.31
PEG (5Y)3.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 11.52% | ||
| ROCE | 0.93% | ||
| ROIC | 0.79% | ||
| ROICexc | 0.81% | ||
| ROICexgc | 0.89% | ||
| OM | 6.88% | ||
| PM (TTM) | 9.68% | ||
| GM | N/A | ||
| FCFM | 14.36% |
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-12.48%
ROICexcg growth 5Y-5.87%
ROICexc growth 3Y-13.61%
ROICexc growth 5Y-6.55%
OM growth 3Y-4.12%
OM growth 5Y2.13%
PM growth 3Y31.37%
PM growth 5Y11.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.48 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 8.33% | ||
| Interest Coverage | 2.89 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 148.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.03%
ROIC/WACC0.11
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)9.87%
Cap/Sales(5y)6.54%
Profit Quality(3y)128.22%
Profit Quality(5y)136.12%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.45%
EPS 3Y19.68%
EPS 5Y3.54%
EPS Q2Q%-17.81%
EPS Next Y4.74%
EPS Next 2Y5.12%
EPS Next 3Y5.52%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.12%
Revenue growth 3Y-8.9%
Revenue growth 5Y-7.13%
Sales Q2Q%-5.72%
Revenue Next Year3.88%
Revenue Next 2Y4.32%
Revenue Next 3Y4.52%
Revenue Next 5YN/A
EBIT growth 1Y-6.38%
EBIT growth 3Y-12.66%
EBIT growth 5Y-5.15%
EBIT Next Year1112.42%
EBIT Next 3Y136.49%
EBIT Next 5YN/A
FCF growth 1Y552.87%
FCF growth 3Y4.19%
FCF growth 5Y3.59%
OCF growth 1Y63.76%
OCF growth 3Y15.26%
OCF growth 5Y10.14%