UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
Europe - BIT:UNI - IT0004810054 - Common Stock
19.03 EUR
-0.13 (-0.68%)
We assign a fundamental rating of 4 out of 10 to UNI. UNI was compared to 40 industry peers in the Insurance industry. There are concerns on the financial health of UNI while its profitability can be described as average. UNI has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
UNI had positive earnings in the past year.
UNI had a positive operating cash flow in the past year.
In the past 5 years UNI has always been profitable.
Each year in the past 5 years UNI had a positive operating cash flow.
1.2 Ratios
UNI has a Return On Assets of 1.26%. This is in the better half of the industry: UNI outperforms 62.50% of its industry peers.
UNI's Return On Equity of 11.42% is on the low side compared to the rest of the industry. UNI is outperformed by 70.00% of its industry peers.
UNI has a Return On Invested Capital (0.77%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 11.42% | ||
| ROIC | 0.77% |
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.
In the last couple of years the Profit Margin of UNI has grown nicely.
Looking at the Operating Margin, with a value of 6.88%, UNI is doing worse than 72.50% of the companies in the same industry.
In the last couple of years the Operating Margin of UNI has grown nicely.
| 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.
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
The Debt to FCF ratio of UNI is 1.52, which is an excellent value as it means it would take UNI, only 1.52 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.52, UNI is in the better half of the industry, outperforming 77.50% of the companies in the same industry.
A Debt/Equity ratio of 0.48 indicates that UNI is not too dependend on debt financing.
UNI has a Debt to Equity ratio of 0.48. This is in the better half of the industry: UNI outperforms 77.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 1.52 | ||
| Altman-Z | N/A |
ROIC/WACC0.11
WACC7.1%
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.
Measured over the past 5 years, UNI shows a small growth in Earnings Per Share. The EPS has been growing by 3.54% on average per year.
The Revenue has decreased by -1.12% in the past year.
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%17.25%
Revenue 1Y (TTM)-1.12%
Revenue growth 3Y-8.9%
Revenue growth 5Y-7.13%
Sales Q2Q%1.12%
3.2 Future
The Earnings Per Share is expected to grow by 8.01% on average over the next years. This is quite good.
Based on estimates for the next years, UNI will show a small growth in Revenue. The Revenue will grow by 4.39% on average per year.
EPS Next Y15.62%
EPS Next 2Y7.98%
EPS Next 3Y7.57%
EPS Next 5Y8.01%
Revenue Next Year6.76%
Revenue Next 2Y3.84%
Revenue Next 3Y4.08%
Revenue Next 5Y4.39%
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 correctly with a Price/Earnings ratio of 12.69.
67.50% of the companies in the same industry are more expensive than UNI, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.07, UNI is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 10.27, the valuation of UNI can be described as reasonable.
UNI's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.08. UNI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.69 | ||
| Fwd PE | 10.27 |
4.2 Price Multiples
77.50% 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 | 4.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.81
PEG (5Y)3.58
EPS Next 2Y7.98%
EPS Next 3Y7.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.34%, UNI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.50, UNI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, UNI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
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
63.50% of the earnings are spent on dividend by UNI. This is not a sustainable payout ratio.
The dividend of UNI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP63.5%
EPS Next 2Y7.98%
EPS Next 3Y7.57%
BIT:UNI (11/21/2025, 3:37:24 PM)
19.03
-0.13 (-0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners19.39%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.65B
Revenue(TTM)11.10B
Net Income(TTM)1.07B
Analysts81.82
Price Target20.04 (5.31%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
Yearly Dividend0.49
Dividend Growth(5Y)22.12%
DP63.5%
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)1.7%
PT rev (3m)5.69%
EPS NQ rev (1m)38.61%
EPS NQ rev (3m)38.61%
EPS NY rev (1m)2.24%
EPS NY rev (3m)10.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.09%
Revenue NY rev (3m)0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.69 | ||
| Fwd PE | 10.27 | ||
| P/S | 1.23 | ||
| P/FCF | 4.61 | ||
| P/OCF | 3.76 | ||
| P/B | 1.45 | ||
| P/tB | 1.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY7.88%
EPS(NY)1.85
Fwd EY9.73%
FCF(TTM)4.13
FCFY21.7%
OCF(TTM)5.06
OCFY26.59%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.81
PEG (5Y)3.58
Graham Number21.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 11.42% | ||
| ROCE | 0.91% | ||
| ROIC | 0.77% | ||
| ROICexc | 0.78% | ||
| ROICexgc | 0.84% | ||
| OM | 6.88% | ||
| PM (TTM) | 9.68% | ||
| GM | N/A | ||
| FCFM | 26.71% |
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
ROICexgc growth 3Y-12.48%
ROICexgc 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 | 0.48 | ||
| Debt/FCF | 1.52 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 6.01% | ||
| Interest Coverage | 3.15 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 275.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.1%
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%17.25%
EPS Next Y15.62%
EPS Next 2Y7.98%
EPS Next 3Y7.57%
EPS Next 5Y8.01%
Revenue 1Y (TTM)-1.12%
Revenue growth 3Y-8.9%
Revenue growth 5Y-7.13%
Sales Q2Q%1.12%
Revenue Next Year6.76%
Revenue Next 2Y3.84%
Revenue Next 3Y4.08%
Revenue Next 5Y4.39%
EBIT growth 1Y-6.38%
EBIT growth 3Y-12.66%
EBIT growth 5Y-5.15%
EBIT Next Year1165.03%
EBIT Next 3Y135.61%
EBIT Next 5YN/A
FCF growth 1Y141.41%
FCF growth 3Y4.19%
FCF growth 5Y3.59%
OCF growth 1Y53.39%
OCF growth 3Y15.26%
OCF growth 5Y10.14%
UNIPOL ASSICURAZIONI SPA / UNI.MI FAQ
What is the fundamental rating for UNI stock?
ChartMill assigns a fundamental rating of 4 / 10 to UNI.MI.
What is the valuation status for UNI stock?
ChartMill assigns a valuation rating of 5 / 10 to UNIPOL ASSICURAZIONI SPA (UNI.MI). This can be considered as Fairly Valued.
What is the profitability of UNI stock?
UNIPOL ASSICURAZIONI SPA (UNI.MI) has a profitability rating of 4 / 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 12.69 and the Price/Book (PB) ratio is 1.45.
Can you provide the dividend sustainability for UNI stock?
The dividend rating of UNIPOL ASSICURAZIONI SPA (UNI.MI) is 6 / 10 and the dividend payout ratio is 63.5%.