UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:UNI - IT0004810054 - Common Stock
19.76 EUR
+0.16 (+0.79%)
Taking everything into account, UNI scores 4 out of 10 in our fundamental rating. UNI was compared to 47 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 on the other hand it scores bad on growth.
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.
Each year in the past 5 years UNI has been profitable.
UNI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of UNI (1.26%) is better than 63.83% of its industry peers.
UNI has a Return On Equity of 11.42%. This is in the lower half of the industry: UNI underperforms 65.96% of its industry peers.
UNI's Return On Invested Capital of 0.77% is in line compared to the rest of the industry. UNI outperforms 46.81% of 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
Looking at the Profit Margin, with a value of 9.68%, UNI is in the better half of the industry, outperforming 61.70% of the companies in the same industry.
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: 68.09% 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.
UNI has about the same amout of shares outstanding than it did 5 years ago.
UNI has a worse debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 1.52, UNI is in the better half of the industry, outperforming 76.60% 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.
UNI has a better Debt to Equity ratio (0.48) than 76.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 1.52 | ||
| Altman-Z | N/A |
ROIC/WACC0.11
WACC7.04%
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.
UNI shows a decrease in Revenue. In the last year, the revenue decreased by -1.12%.
Measured over the past years, UNI shows a decrease in Revenue. The Revenue has been decreasing by -7.13% on average per year.
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.
UNI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.39% yearly.
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
A Price/Earnings ratio of 13.17 indicates a correct valuation of UNI.
The rest of the industry has a similar Price/Earnings ratio as UNI.
The average S&P500 Price/Earnings ratio is at 26.15. UNI is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 10.67, the valuation of UNI can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UNI is on the same level as its industry peers.
UNI is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.17 | ||
| Fwd PE | 10.67 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UNI is valued a bit cheaper than 74.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.78 | ||
| 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)0.84
PEG (5Y)3.72
EPS Next 2Y7.98%
EPS Next 3Y7.57%
5. Dividend
5.1 Amount
UNI has a Yearly Dividend Yield of 4.44%, which is a nice return.
Compared to an average industry Dividend Yield of 4.53, UNI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, UNI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.44% |
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 2Y7.98%
EPS Next 3Y7.57%
BIT:UNI (11/27/2025, 7:00:00 PM)
19.76
+0.16 (+0.79%)
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 Cap14.18B
Revenue(TTM)11.10B
Net Income(TTM)1.07B
Analysts81.82
Price Target21.07 (6.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.44% |
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)6.95%
PT rev (3m)7.75%
EPS NQ rev (1m)38.61%
EPS NQ rev (3m)38.61%
EPS NY rev (1m)2.24%
EPS NY rev (3m)3.8%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.09%
Revenue NY rev (3m)2.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.17 | ||
| Fwd PE | 10.67 | ||
| P/S | 1.28 | ||
| P/FCF | 4.78 | ||
| P/OCF | 3.91 | ||
| P/B | 1.51 | ||
| P/tB | 2.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY7.59%
EPS(NY)1.85
Fwd EY9.37%
FCF(TTM)4.13
FCFY20.9%
OCF(TTM)5.06
OCFY25.6%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.84
PEG (5Y)3.72
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
WACC7.04%
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 13.17 and the Price/Book (PB) ratio is 1.51.
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%.