UNIPOL ASSICURAZIONI SPA (UIPN.DE) Stock Fundamental Analysis

FRA:UIPN • IT0004810054

21.28 EUR
+0.36 (+1.72%)
Last: Feb 25, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, UIPN scores 4 out of 10 in our fundamental rating. UIPN was compared to 46 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 it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year UIPN was profitable.
  • In the past year UIPN had a positive cash flow from operations.
  • UIPN had positive earnings in each of the past 5 years.
  • Each year in the past 5 years UIPN had a positive operating cash flow.
UIPN.DE Yearly Net Income VS EBIT VS OCF VS FCFUIPN.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

1.2 Ratios

  • The Return On Assets of UIPN (1.26%) is comparable to the rest of the industry.
  • With a Return On Equity value of 11.42%, UIPN is not doing good in the industry: 71.74% of the companies in the same industry are doing better.
  • The Return On Invested Capital of UIPN (0.77%) is comparable to the rest of the industry.
Industry RankSector 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
UIPN.DE Yearly ROA, ROE, ROICUIPN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

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.
  • The Operating Margin of UIPN (6.88%) is worse than 78.26% of its industry peers.
  • In the last couple of years the Operating Margin of UIPN has grown nicely.
Industry RankSector 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
UIPN.DE Yearly Profit, Operating, Gross MarginsUIPN.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • The number of shares outstanding for UIPN remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for UIPN is higher compared to a year ago.
UIPN.DE Yearly Shares OutstandingUIPN.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
UIPN.DE Yearly Total Debt VS Total AssetsUIPN.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

  • The Debt to FCF ratio of UIPN is 1.52, which is an excellent value as it means it would take UIPN, only 1.52 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of UIPN (1.52) is better than 65.22% 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 63.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.52
Altman-Z N/A
ROIC/WACC0.11
WACC7.13%
UIPN.DE Yearly LT Debt VS Equity VS FCFUIPN.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UIPN.DE Yearly Current Assets VS Current LiabilitesUIPN.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

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.
  • 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 8.05% on average over the next years. This is quite good.
  • 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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
UIPN.DE Yearly Revenue VS EstimatesUIPN.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
UIPN.DE Yearly EPS VS EstimatesUIPN.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5 2

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5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.19, which indicates a correct valuation of UIPN.
  • The rest of the industry has a similar Price/Earnings ratio as UIPN.
  • The average S&P500 Price/Earnings ratio is at 27.10. UIPN is valued slightly cheaper when compared to this.
  • The Price/Forward Earnings ratio is 11.05, which indicates a very decent valuation of UIPN.
  • UIPN's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, UIPN is valued rather cheaply.
Industry RankSector Rank
PE 14.19
Fwd PE 11.05
UIPN.DE Price Earnings VS Forward Price EarningsUIPN.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • UIPN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UIPN is cheaper than 69.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.15
EV/EBITDA N/A
UIPN.DE Per share dataUIPN.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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)0.55
PEG (5Y)4.01
EPS Next 2Y10.1%
EPS Next 3Y9.26%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • UIPN has a Yearly Dividend Yield of 4.40%, which is a nice return.
  • UIPN's Dividend Yield is comparable with the industry average which is at 4.18.
  • Compared to an average S&P500 Dividend Yield of 1.80, UIPN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.4%

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.
  • 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%
UIPN.DE Yearly Income VS Free CF VS DividendUIPN.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B
UIPN.DE Dividend Payout.UIPN.DE Dividend Payout, showing the Payout Ratio.UIPN.DE Dividend Payout.PayoutRetained Earnings

More info and screens

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UNIPOL ASSICURAZIONI SPA

FRA:UIPN (2/25/2026, 7:00:00 PM)

21.28

+0.36 (+1.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-19
Inst Owners19.45%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap15.27B
Revenue(TTM)11.10B
Net Income(TTM)1.07B
Analysts81.82
Price Target21.44 (0.75%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.4%
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)0%
PT rev (3m)3.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)8.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.05%
Valuation
Industry RankSector Rank
PE 14.19
Fwd PE 11.05
P/S 1.38
P/FCF 5.15
P/OCF 4.21
P/B 1.62
P/tB 2.23
EV/EBITDA N/A
EPS(TTM)1.5
EY7.05%
EPS(NY)1.93
Fwd EY9.05%
FCF(TTM)4.13
FCFY19.41%
OCF(TTM)5.06
OCFY23.78%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.55
PEG (5Y)4.01
Graham Number21.03
Profitability
Industry RankSector 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 RankSector 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
WACC7.13%
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 / 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 5 / 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.