UNIPOL ASSICURAZIONI SPA (UIPN.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:UIPN - IT0004810054 - Common Stock
19.77 EUR
+0.1 (+0.51%)
Taking everything into account, UIPN scores 4 out of 10 in our fundamental rating. UIPN was compared to 49 industry peers in the Insurance industry. UIPN has a medium profitability rating, but doesn't score so well on its financial health evaluation. UIPN has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year UIPN was profitable.
UIPN had a positive operating cash flow in the past year.
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
The Return On Assets of UIPN (1.26%) is comparable to the rest of the industry.
UIPN has a worse Return On Equity (11.42%) than 76.00% of its industry peers.
UIPN's Return On Invested Capital of 0.77% is on the low side compared to the rest of the industry. UIPN is outperformed by 60.00% 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
UIPN has a Profit Margin (9.68%) which is in line with its industry peers.
In the last couple of years the Profit Margin of UIPN has grown nicely.
UIPN's Operating Margin of 6.88% is on the low side compared to the rest of the industry. UIPN is outperformed by 76.00% of its industry peers.
UIPN'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 UIPN is destroying value.
Compared to 1 year ago, UIPN has about the same amount of shares outstanding.
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 70.00% 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 66.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 1.52 | ||
| Altman-Z | N/A |
ROIC/WACC0.11
WACC7.02%
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.
The Earnings Per Share has been growing slightly by 3.54% on average over the past years.
UIPN shows a decrease in Revenue. In the last year, the revenue decreased by -1.12%.
UIPN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.13% yearly.
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.
Based on estimates for the next years, UIPN will show a small growth in Revenue. The Revenue will grow by 4.29% on average per year.
EPS Next Y25.69%
EPS Next 2Y9.18%
EPS Next 3Y8.62%
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.
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
A Price/Earnings ratio of 13.18 indicates a correct valuation of UIPN.
UIPN's Price/Earnings is on the same level as the industry average.
UIPN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.55.
UIPN is valuated reasonably with a Price/Forward Earnings ratio of 10.44.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UIPN indicates a somewhat cheap valuation: UIPN is cheaper than 64.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of UIPN to the average of the S&P500 Index (23.78), we can say UIPN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.18 | ||
| Fwd PE | 10.44 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UIPN is valued a bit cheaper than 78.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.79 | ||
| 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)0.51
PEG (5Y)3.72
EPS Next 2Y9.18%
EPS Next 3Y8.62%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.33%, UIPN is a good candidate for dividend investing.
UIPN's Dividend Yield is comparable with the industry average which is at 4.14.
UIPN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.33% |
5.2 History
On average, the dividend of UIPN grows each year by 22.12%, which is quite nice.
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.
UIPN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP63.5%
EPS Next 2Y9.18%
EPS Next 3Y8.62%
FRA:UIPN (12/15/2025, 7:00:00 PM)
19.77
+0.1 (+0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners19.48%
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 Target21.32 (7.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.33% |
Yearly Dividend0.49
Dividend Growth(5Y)22.12%
DP63.5%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.18 | ||
| Fwd PE | 10.44 | ||
| P/S | 1.28 | ||
| P/FCF | 4.79 | ||
| P/OCF | 3.91 | ||
| P/B | 1.51 | ||
| P/tB | 2.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY7.59%
EPS(NY)1.89
Fwd EY9.58%
FCF(TTM)4.13
FCFY20.89%
OCF(TTM)5.06
OCFY25.59%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.51
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
WACC7.02%
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 2Y9.18%
EPS Next 3Y8.62%
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 / 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.
Can you provide the valuation status for UNIPOL ASSICURAZIONI SPA?
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.
What is the financial health of UNIPOL ASSICURAZIONI SPA (UIPN.DE) stock?
The financial health rating of UNIPOL ASSICURAZIONI SPA (UIPN.DE) is 3 / 10.
Can you provide the expected EPS growth for UIPN stock?
The Earnings per Share (EPS) of UNIPOL ASSICURAZIONI SPA (UIPN.DE) is expected to grow by 25.69% in the next year.