UNIPOL ASSICURAZIONI SPA (UNI.MI) Fundamental Analysis & Valuation

BIT:UNI • IT0004810054

Current stock price

22.55 EUR
+0.29 (+1.3%)
Last:

This UNI.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. UNI.MI Profitability Analysis

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.
  • In the past 5 years UNI always reported a positive cash flow from operatings.
UNI.MI Yearly Net Income VS EBIT VS OCF VS FCFUNI.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

1.2 Ratios

  • UNI has a better Return On Assets (1.64%) than 64.58% of its industry peers.
  • UNI has a Return On Equity (14.26%) which is comparable to the rest of the industry.
  • UNI has a Return On Invested Capital (1.22%) which is in line with its industry peers.
  • The Average Return On Invested Capital over the past 3 years for UNI is in line with the industry average of 2.76%.
  • The last Return On Invested Capital (1.22%) for UNI is above the 3 year average (0.93%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.64%
ROE 14.26%
ROIC 1.22%
ROA(3y)1.44%
ROA(5y)1.16%
ROE(3y)13.2%
ROE(5y)11.06%
ROIC(3y)0.93%
ROIC(5y)N/A
UNI.MI Yearly ROA, ROE, ROICUNI.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • With a decent Profit Margin value of 13.03%, UNI is doing good in the industry, outperforming 79.17% of the companies in the same industry.
  • In the last couple of years the Profit Margin of UNI has grown nicely.
  • With a Operating Margin value of 11.96%, UNI perfoms like the industry average, outperforming 52.08% of the companies in the same industry.
  • In the last couple of years the Operating Margin of UNI has grown nicely.
Industry RankSector Rank
OM 11.96%
PM (TTM) 13.03%
GM N/A
OM growth 3YN/A
OM growth 5Y10.48%
PM growth 3Y27.61%
PM growth 5Y20.02%
GM growth 3YN/A
GM growth 5YN/A
UNI.MI Yearly Profit, Operating, Gross MarginsUNI.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

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4

2. UNI.MI Health Analysis

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.
  • UNI has less shares outstanding than it did 5 years ago.
  • UNI has a better debt/assets ratio than last year.
UNI.MI Yearly Shares OutstandingUNI.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
UNI.MI Yearly Total Debt VS Total AssetsUNI.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • The Debt to FCF ratio of UNI is 1.24, which is an excellent value as it means it would take UNI, only 1.24 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.24, UNI is in the better half of the industry, outperforming 70.83% of the companies in the same industry.
  • UNI has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.48, UNI is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACC0.17
WACC6.98%
UNI.MI Yearly LT Debt VS Equity VS FCFUNI.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UNI.MI Yearly Current Assets VS Current LiabilitesUNI.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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4

3. UNI.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 37.80% over the past year.
  • UNI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.91% yearly.
  • Looking at the last year, UNI shows a small growth in Revenue. The Revenue has grown by 2.55% in the last year.
  • UNI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.40% yearly.
EPS 1Y (TTM)37.8%
EPS 3Y41.2%
EPS 5Y15.91%
EPS Q2Q%56.44%
Revenue 1Y (TTM)2.55%
Revenue growth 3Y10.75%
Revenue growth 5Y-3.4%
Sales Q2Q%4.81%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.37% 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 5.09% on average per year.
EPS Next Y-0.71%
EPS Next 2Y3.56%
EPS Next 3Y4.37%
EPS Next 5YN/A
Revenue Next Year4.28%
Revenue Next 2Y4.64%
Revenue Next 3Y5.09%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
UNI.MI Yearly Revenue VS EstimatesUNI.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
UNI.MI Yearly EPS VS EstimatesUNI.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5 2

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6

4. UNI.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • UNI is valuated reasonably with a Price/Earnings ratio of 10.89.
  • UNI's Price/Earnings ratio is a bit cheaper when compared to the industry. UNI is cheaper than 77.08% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.87, UNI is valued rather cheaply.
  • UNI is valuated reasonably with a Price/Forward Earnings ratio of 11.25.
  • UNI's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of UNI to the average of the S&P500 Index (38.51), we can say UNI is valued rather cheaply.
Industry RankSector Rank
PE 10.89
Fwd PE 11.25
UNI.MI Price Earnings VS Forward Price EarningsUNI.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UNI indicates a rather cheap valuation: UNI is cheaper than 87.50% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.99
EV/EBITDA N/A
UNI.MI Per share dataUNI.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • UNI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.68
EPS Next 2Y3.56%
EPS Next 3Y4.37%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. UNI.MI Dividend Analysis

5.1 Amount

  • UNI has a Yearly Dividend Yield of 5.21%, which is a nice return.
  • UNI's Dividend Yield is a higher than the industry average which is at 4.28.
  • UNI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.21%

5.2 History

  • The dividend of UNI is nicely growing with an annual growth rate of 49.18%!
Dividend Growth(5Y)49.18%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 64.30% of the earnings are spent on dividend by UNI. This is not a sustainable payout ratio.
  • UNI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP64.3%
EPS Next 2Y3.56%
EPS Next 3Y4.37%
UNI.MI Yearly Income VS Free CF VS DividendUNI.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B
UNI.MI Dividend Payout.UNI.MI Dividend Payout, showing the Payout Ratio.UNI.MI Dividend Payout.PayoutRetained Earnings

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UNI.MI Fundamentals: All Metrics, Ratios and Statistics

UNIPOL ASSICURAZIONI SPA

BIT:UNI (4/17/2026, 7:00:00 PM)

22.55

+0.29 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-20
Earnings (Next)05-14
Inst Owners18.79%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap16.18B
Revenue(TTM)11.38B
Net Income(TTM)1.48B
Analysts81.82
Price Target23.46 (4.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.21%
Yearly Dividend1.33
Dividend Growth(5Y)49.18%
DP64.3%
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)1.13%
PT rev (3m)8.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.23%
EPS NY rev (3m)4.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.97%
Revenue NY rev (3m)4.35%
Valuation
Industry RankSector Rank
PE 10.89
Fwd PE 11.25
P/S 1.42
P/FCF 3.99
P/OCF 3.52
P/B 1.56
P/tB 2.09
EV/EBITDA N/A
EPS(TTM)2.07
EY9.18%
EPS(NY)2
Fwd EY8.89%
FCF(TTM)5.65
FCFY25.06%
OCF(TTM)6.4
OCFY28.39%
SpS15.86
BVpS14.48
TBVpS10.8
PEG (NY)N/A
PEG (5Y)0.68
Graham Number25.9719 (15.17%)
Profitability
Industry RankSector Rank
ROA 1.64%
ROE 14.26%
ROCE 1.53%
ROIC 1.22%
ROICexc 1.23%
ROICexgc 1.32%
OM 11.96%
PM (TTM) 13.03%
GM N/A
FCFM 35.63%
ROA(3y)1.44%
ROA(5y)1.16%
ROE(3y)13.2%
ROE(5y)11.06%
ROIC(3y)0.93%
ROIC(5y)N/A
ROICexc(3y)0.95%
ROICexc(5y)N/A
ROICexgc(3y)1.03%
ROICexgc(5y)N/A
ROCE(3y)1.17%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y4.5%
ROICexc growth 3YN/A
ROICexc growth 5Y4.07%
OM growth 3YN/A
OM growth 5Y10.48%
PM growth 3Y27.61%
PM growth 5Y20.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.24
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 4.74%
Interest Coverage 5.44
Cash Conversion N/A
Profit Quality 273.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC6.98%
ROIC/WACC0.17
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)8.2%
Cap/Sales(5y)7.19%
Profit Quality(3y)148.01%
Profit Quality(5y)176.6%
High Growth Momentum
Growth
EPS 1Y (TTM)37.8%
EPS 3Y41.2%
EPS 5Y15.91%
EPS Q2Q%56.44%
EPS Next Y-0.71%
EPS Next 2Y3.56%
EPS Next 3Y4.37%
EPS Next 5YN/A
Revenue 1Y (TTM)2.55%
Revenue growth 3Y10.75%
Revenue growth 5Y-3.4%
Sales Q2Q%4.81%
Revenue Next Year4.28%
Revenue Next 2Y4.64%
Revenue Next 3Y5.09%
Revenue Next 5YN/A
EBIT growth 1Y78.37%
EBIT growth 3YN/A
EBIT growth 5Y6.72%
EBIT Next Year737.97%
EBIT Next 3Y109.26%
EBIT Next 5YN/A
FCF growth 1Y154.49%
FCF growth 3Y53.34%
FCF growth 5Y51.79%
OCF growth 1Y82.48%
OCF growth 3Y33.25%
OCF growth 5Y45.34%

UNIPOL ASSICURAZIONI SPA / UNI.MI Fundamental Analysis FAQ

What is the fundamental rating for UNI stock?

ChartMill assigns a fundamental rating of 5 / 10 to UNI.MI.


What is the valuation status of UNIPOL ASSICURAZIONI SPA (UNI.MI) stock?

ChartMill assigns a valuation rating of 6 / 10 to UNIPOL ASSICURAZIONI SPA (UNI.MI). This can be considered as Fairly Valued.


How profitable is UNIPOL ASSICURAZIONI SPA (UNI.MI) stock?

UNIPOL ASSICURAZIONI SPA (UNI.MI) has a profitability rating of 6 / 10.


What are the PE and PB ratios of UNIPOL ASSICURAZIONI SPA (UNI.MI) stock?

The Price/Earnings (PE) ratio for UNIPOL ASSICURAZIONI SPA (UNI.MI) is 10.89 and the Price/Book (PB) ratio is 1.56.


What is the financial health of UNIPOL ASSICURAZIONI SPA (UNI.MI) stock?

The financial health rating of UNIPOL ASSICURAZIONI SPA (UNI.MI) is 4 / 10.