UNI Fundamental Analysis - UNIPOL ASSICURAZIONI SPA

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to UNI. UNI was compared to 43 industry peers in the Insurance industry. While UNI is still in line with the averages on profitability rating, there are concerns on its financial health. UNI has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year UNI was profitable.

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

With a decent Return On Assets value of 1.26%, UNI is doing good in the industry, outperforming 60.47% of the companies in the same industry.

UNI has a Return On Equity of 11.42%. This is in the lower half of the industry: UNI underperforms 67.44% 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 comparable to the rest of the industry.

UNI's Profit Margin has improved in the last couple of years.

The Operating Margin of UNI (6.88%) is worse than 72.09% of its industry peers.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, UNI has about the same amount of shares outstanding.

The debt/assets ratio for UNI is higher compared to a year ago.

2.2 Solvency

UNI has a debt to FCF ratio of 1.52. This is a very positive value and a sign of high solvency as it would only need 1.52 years to pay back of all of its debts.

UNI's Debt to FCF ratio of 1.52 is fine compared to the rest of the industry. UNI outperforms 74.42% of its industry peers.

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 74.42% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.48
Debt/FCF	1.52
Altman-Z	N/A

ROIC/WACC0.11

WACC6.98%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

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 7.62% on average over the next years.

UNI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.01% yearly.

EPS Next Y11.39%

EPS Next 2Y7.16%

EPS Next 3Y6.7%

EPS Next 5Y7.62%

Revenue Next Year4.58%

Revenue Next 2Y3.28%

Revenue Next 3Y3.79%

Revenue Next 5Y4.01%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.56, the valuation of UNI can be described as reasonable.

Based on the Price/Earnings ratio, UNI is valued a bit cheaper than 69.77% of the companies in the same industry.

UNI is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.

UNI is valuated reasonably with a Price/Forward Earnings ratio of 9.50.

Based on the Price/Forward Earnings ratio, UNI is valued a bit cheaper than the industry average as 69.77% of the companies are valued more expensively.

UNI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.56
Fwd PE	9.5

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, UNI is valued cheaply inside the industry as 81.40% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	4.2
EV/EBITDA	N/A

4.3 Compensation for Growth

UNI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.01

PEG (5Y)3.27

EPS Next 2Y7.16%

EPS Next 3Y6.7%

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5. Dividend

5.1 Amount

UNI has a Yearly Dividend Yield of 4.89%, which is a nice return.

Compared to an average industry Dividend Yield of 4.56, UNI pays a bit more dividend than its industry peers.

UNI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	4.89%

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.

UNI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP63.5%

EPS Next 2Y7.16%

EPS Next 3Y6.7%

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UNIPOL ASSICURAZIONI SPA

BIT:UNI (9/16/2025, 5:36:15 PM)

17.34

-0.5 (-2.78%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-06 2025-08-06

Earnings (Next)11-05 2025-11-05

Inst Owners17.42%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap12.44B

Analysts81.82

Price Target19.63 (13.21%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.89%

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)3.54%

PT rev (3m)3.46%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)6.35%

EPS NY rev (3m)6.35%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-1.12%

Revenue NY rev (3m)0.68%

Valuation

		Industry Rank	Sector Rank
PE	11.56
Fwd PE	9.5
P/S	1.12
P/FCF	4.2
P/OCF	3.43
P/B	1.32
P/tB	1.81
EV/EBITDA	N/A

EPS(TTM)1.5

EY8.65%

EPS(NY)1.82

Fwd EY10.52%

FCF(TTM)4.13

FCFY23.82%

OCF(TTM)5.06

OCFY29.18%

SpS15.46

BVpS13.1

TBVpS9.56

PEG (NY)1.01

PEG (5Y)3.27

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

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	0.48
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

WACC6.98%

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 Y11.39%

EPS Next 2Y7.16%

EPS Next 3Y6.7%

EPS Next 5Y7.62%

Revenue 1Y (TTM)-1.12%

Revenue growth 3Y-8.9%

Revenue growth 5Y-7.13%

Sales Q2Q%1.12%

Revenue Next Year4.58%

Revenue Next 2Y3.28%

Revenue Next 3Y3.79%

Revenue Next 5Y4.01%

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 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens