UNIPOL ASSICURAZIONI SPA (UIPN.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:UIPN • IT0004810054
18.595 EUR
-0.01 (-0.03%)
Last: Jan 30, 2026, 07:00 PM
UIPN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. While UIPN is still in line with the averages on profitability rating, there are concerns on its financial health. UIPN is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- UIPN had positive earnings in the past year.
- In the past year UIPN had a positive cash flow from operations.
- UIPN had positive earnings in each of the past 5 years.
- UIPN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.26%, UIPN is in line with its industry, outperforming 52.08% of the companies in the same industry.
- UIPN's Return On Equity of 11.42% is on the low side compared to the rest of the industry. UIPN is outperformed by 70.83% of its industry peers.
- UIPN 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
- UIPN has a Profit Margin of 9.68%. This is comparable to the rest of the industry: UIPN outperforms 58.33% of its industry peers.
- UIPN's Profit Margin has improved in the last couple of years.
- With a Operating Margin value of 6.88%, UIPN is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
- In the last couple of years the Operating Margin of UIPN 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
- UIPN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for UIPN remains at a similar level compared to 1 year ago.
- UIPN has about the same amout of shares outstanding than it did 5 years ago.
- Compared to 1 year ago, UIPN has a worse debt to assets ratio.
2.2 Solvency
- UIPN 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.
- UIPN has a Debt to FCF ratio of 1.52. This is in the better half of the industry: UIPN outperforms 72.92% of its industry peers.
- UIPN has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
- UIPN has a better Debt to Equity ratio (0.48) than 70.83% 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 UIPN have decreased by -2.45% in the last year.
- UIPN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.54% yearly.
- UIPN shows a decrease in Revenue. In the last year, the revenue decreased by -1.12%.
- 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
- Based on estimates for the next years, UIPN will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.05% on average per year.
- The Revenue is expected to grow by 4.29% on average over the next years.
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
- 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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.40, which indicates a correct valuation of UIPN.
- Based on the Price/Earnings ratio, UIPN is valued a bit cheaper than the industry average as 64.58% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of UIPN to the average of the S&P500 Index (28.32), we can say UIPN is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.65 indicates a reasonable valuation of UIPN.
- Based on the Price/Forward Earnings ratio, UIPN is valued a bit cheaper than 72.92% of the companies in the same industry.
- UIPN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.4 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
- 75.00% of the companies in the same industry are more expensive than UIPN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- UIPN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.48
PEG (5Y)3.5
EPS Next 2Y10.1%
EPS Next 3Y9.26%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.60%, UIPN is a good candidate for dividend investing.
- UIPN's Dividend Yield is comparable with the industry average which is at 4.09.
- UIPN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
5.2 History
- The dividend of UIPN is nicely growing with an annual growth rate of 22.12%!
Dividend Growth(5Y)22.12%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 63.50% of the earnings are spent on dividend by UIPN. This is not a sustainable payout ratio.
- The dividend of UIPN 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%
UNIPOL ASSICURAZIONI SPA / UIPN.DE FAQ
Can you provide the ChartMill fundamental rating for UNIPOL ASSICURAZIONI SPA?
ChartMill assigns a fundamental rating of 4 / 10 to UIPN.DE.
What is the valuation status for UIPN stock?
ChartMill assigns a valuation rating of 6 / 10 to UNIPOL ASSICURAZIONI SPA (UIPN.DE). This can be considered as Fairly Valued.
How profitable is UNIPOL ASSICURAZIONI SPA (UIPN.DE) stock?
UNIPOL ASSICURAZIONI SPA (UIPN.DE) has a profitability rating of 4 / 10.
Can you provide the financial health for UIPN stock?
The financial health rating of UNIPOL ASSICURAZIONI SPA (UIPN.DE) is 3 / 10.
What is the earnings growth outlook for UNIPOL ASSICURAZIONI SPA?
The Earnings per Share (EPS) of UNIPOL ASSICURAZIONI SPA (UIPN.DE) is expected to grow by 25.69% in the next year.