UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:UNI - IT0004810054 - Common Stock
20.245 EUR
+0.07 (+0.37%)
We assign a fundamental rating of 4 out of 10 to UNI. UNI was compared to 46 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.
- UNI had a positive operating cash flow in the past year.
- Each year in the past 5 years UNI has been profitable.
- Each year in the past 5 years UNI had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.26%, UNI is in line with its industry, outperforming 52.17% of the companies in the same industry.
- With a Return On Equity value of 11.42%, UNI is not doing good in the industry: 73.91% of the companies in the same industry are doing better.
- UNI has a Return On Invested Capital (0.77%) which is comparable to the rest of the industry.
| 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 line with its industry, outperforming 56.52% of the companies in the same industry.
- UNI's Profit Margin has improved in the last couple of years.
- The Operating Margin of UNI (6.88%) is worse than 76.09% 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
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.
- Compared to 5 years ago, UNI has about the same amount of shares outstanding.
- 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.
- With a decent Debt to FCF ratio value of 1.52, UNI is doing good in the industry, outperforming 71.74% 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 71.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 1.52 | ||
| Altman-Z | N/A |
ROIC/WACC0.11
WACC7.07%
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.
- UNI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.54% yearly.
- Looking at the last year, UNI shows a decrease in Revenue. The Revenue has decreased by -1.12% in the last year.
- 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
- UNI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.05% yearly.
- Based on estimates for the next years, UNI will show a small growth in Revenue. The Revenue will grow by 4.29% on average per year.
EPS Next Y25.69%
EPS Next 2Y10.1%
EPS Next 3Y9.26%
EPS Next 5Y8.05%
Revenue Next Year2.44%
Revenue Next 2Y2.76%
Revenue Next 3Y4.15%
Revenue Next 5Y4.29%
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 13.50 indicates a correct valuation of UNI.
- 63.04% of the companies in the same industry are more expensive than UNI, based on the Price/Earnings ratio.
- UNI is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
- UNI is valuated reasonably with a Price/Forward Earnings ratio of 10.51.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of UNI is on the same level as its industry peers.
- The average S&P500 Price/Forward Earnings ratio is at 24.04. UNI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.5 | ||
| Fwd PE | 10.51 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, UNI is valued a bit cheaper than the industry average as 76.09% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- UNI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.53
PEG (5Y)3.81
EPS Next 2Y10.1%
EPS Next 3Y9.26%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.13%, UNI is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 3.93, 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 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
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 63.50% of its income as dividend. 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 2Y10.1%
EPS Next 3Y9.26%
BIT:UNI (1/14/2026, 9:25:58 AM)
20.245
+0.07 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06
Earnings (Next)02-12 2026-02-12/amc
Inst Owners19.45%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.53B
Revenue(TTM)11.10B
Net Income(TTM)1.07B
Analysts81.82
Price Target21.59 (6.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
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)1.44%
PT rev (3m)9.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)38.61%
EPS NY rev (1m)0%
EPS NY rev (3m)11.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.5 | ||
| Fwd PE | 10.51 | ||
| P/S | 1.31 | ||
| P/FCF | 4.9 | ||
| P/OCF | 4 | ||
| P/B | 1.54 | ||
| P/tB | 2.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY7.41%
EPS(NY)1.93
Fwd EY9.51%
FCF(TTM)4.13
FCFY20.4%
OCF(TTM)5.06
OCFY24.99%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.53
PEG (5Y)3.81
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
WACC7.07%
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 Y25.69%
EPS Next 2Y10.1%
EPS Next 3Y9.26%
EPS Next 5Y8.05%
Revenue 1Y (TTM)-1.12%
Revenue growth 3Y-8.9%
Revenue growth 5Y-7.13%
Sales Q2Q%1.12%
Revenue Next Year2.44%
Revenue Next 2Y2.76%
Revenue Next 3Y4.15%
Revenue Next 5Y4.29%
EBIT growth 1Y-6.38%
EBIT growth 3Y-12.66%
EBIT growth 5Y-5.15%
EBIT Next Year419.4%
EBIT Next 3Y135.52%
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 of UNIPOL ASSICURAZIONI SPA (UNI.MI) 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.
Can you provide the expected EPS growth for UNI stock?
The Earnings per Share (EPS) of UNIPOL ASSICURAZIONI SPA (UNI.MI) is expected to grow by 25.69% in the next year.
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%.