UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
BIT:UNI - Euronext Milan - IT0004810054 - Common Stock - Currency: EUR
Overall UNI gets a fundamental rating of 3 out of 10. We evaluated UNI against 34 industry peers in the Insurance industry. UNI has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
Each year in the past 5 years UNI has been profitable.
In the past 5 years UNI always reported a positive cash flow from operatings.
1.2 Ratios
UNI has a better Return On Assets (1.29%) than 67.65% of its industry peers.
UNI has a Return On Equity (11.52%) which is comparable to the rest of the industry.
UNI has a Return On Invested Capital (0.79%) which is in line with 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
The Profit Margin of UNI (9.68%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of UNI has grown nicely.
The Operating Margin of UNI (6.84%) is worse than 67.65% of its industry peers.
In the last couple of years the Operating Margin of UNI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.84% | ||
| PM (TTM) | 9.68% | ||
| GM | N/A |
OM growth 3Y-4.28%
OM growth 5Y2.03%
PM growth 3Y31.39%
PM growth 5Y11.5%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UNI is destroying value.
UNI has about the same amout of shares outstanding than it did 1 year ago.
UNI has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, UNI has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UNI is 3.48, which is a good value as it means it would take UNI, 3.48 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UNI (3.48) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.60 indicates that UNI is somewhat dependend on debt financing.
UNI's Debt to Equity ratio of 0.60 is in line compared to the rest of the industry. UNI outperforms 47.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.48 | ||
| Altman-Z | N/A |
ROIC/WACC0.11
WACC7.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UNI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.45%.
UNI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.54% yearly.
The Revenue has decreased by -1.15% in the past year.
Measured over the past years, UNI shows a decrease in Revenue. The Revenue has been decreasing by -7.14% on average per year.
EPS 1Y (TTM)-2.45%
EPS 3Y19.68%
EPS 5Y3.54%
EPS Q2Q%-17.81%
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y-8.91%
Revenue growth 5Y-7.14%
Sales Q2Q%-5.72%
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 5.52% on average per year.
UNI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.10% yearly.
EPS Next Y4.74%
EPS Next 2Y5.12%
EPS Next 3Y5.52%
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.
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
The Price/Earnings ratio is 10.20, which indicates a very decent valuation of UNI.
Based on the Price/Earnings ratio, UNI is valued a bit cheaper than 76.47% of the companies in the same industry.
UNI is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.19, which indicates a very decent valuation of UNI.
Based on the Price/Forward Earnings ratio, UNI is valued a bit cheaper than the industry average as 76.47% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 21.38. UNI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 9.19 |
4.2 Price Multiples
70.59% 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 | 6.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UNI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.15
PEG (5Y)2.88
EPS Next 2Y5.12%
EPS Next 3Y5.52%
5. Dividend
5.1 Amount
UNI has a Yearly Dividend Yield of 2.54%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.70, UNI is paying slightly less dividend.
UNI's Dividend Yield is comparable with the S&P500 average which is at 2.47.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.54% |
5.2 History
On average, the dividend of UNI grows each year by 22.12%, which is quite nice.
Dividend Growth(5Y)22.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
UNI pays out 32.59% of its income as dividend. This is a 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 (4/25/2025, 7:00:00 PM)
15.3
+0.36 (+2.41%)
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 Cap10.98B
Analysts82.22
Price Target16.61 (8.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.54% |
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)4.14%
PT rev (3m)20.56%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.19%
EPS NY rev (3m)-0.19%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 9.19 | ||
| P/S | 0.99 | ||
| P/FCF | 6.89 | ||
| P/OCF | 4.36 | ||
| P/B | 1.18 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY9.8%
EPS(NY)1.66
Fwd EY10.88%
FCF(TTM)2.22
FCFY14.51%
OCF(TTM)3.51
OCFY22.93%
SpS15.46
BVpS12.99
TBVpS9.43
PEG (NY)2.15
PEG (5Y)2.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 11.52% | ||
| ROCE | 0.93% | ||
| ROIC | 0.79% | ||
| ROICexc | 0.81% | ||
| ROICexgc | 0.88% | ||
| OM | 6.84% | ||
| 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-12.63%
ROICexcg growth 5Y-5.97%
ROICexc growth 3Y-13.76%
ROICexc growth 5Y-6.65%
OM growth 3Y-4.28%
OM growth 5Y2.03%
PM growth 3Y31.39%
PM growth 5Y11.5%
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 | 2.88 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 148.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.28%
ROIC/WACC0.11
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)9.87%
Cap/Sales(5y)6.55%
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)-1.15%
Revenue growth 3Y-8.91%
Revenue growth 5Y-7.14%
Sales Q2Q%-5.72%
Revenue Next Year4.2%
Revenue Next 2Y4.13%
Revenue Next 3Y4.1%
Revenue Next 5YN/A
EBIT growth 1Y-6.87%
EBIT growth 3Y-12.81%
EBIT growth 5Y-5.25%
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%