UNI Fundamental Analysis - UNIPOL ASSICURAZIONI SPA

Fundamental Rating

UNI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 40 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 it does not seem to be growing.

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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.

UNI had positive earnings in each of the past 5 years.

In the past 5 years UNI always reported a positive cash flow from operatings.

1.2 Ratios

UNI has a Return On Assets (1.26%) which is in line with its industry peers.

UNI has a worse Return On Equity (11.42%) than 65.00% of its industry peers.

With a Return On Invested Capital value of 0.77%, UNI perfoms like the industry average, outperforming 45.00% of the companies in the same 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

With a Profit Margin value of 9.68%, UNI perfoms like the industry average, outperforming 55.00% of the companies in the same industry.

UNI's Profit Margin has improved in the last couple of years.

Looking at the Operating Margin, with a value of 6.88%, UNI is doing worse than 72.50% of the companies in the same industry.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

The Debt to FCF ratio of UNI is 1.52, which is an excellent value as it means it would take UNI, only 1.52 years of fcf income to pay off all of its debts.

UNI has a Debt to FCF ratio of 1.52. This is in the better half of the industry: UNI outperforms 75.00% of its industry peers.

UNI has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.48, UNI is doing good in the industry, outperforming 72.50% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.48
Debt/FCF	1.52
Altman-Z	N/A

ROIC/WACC0.11

WACC7.05%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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

The Earnings Per Share is expected to grow by 7.50% on average over the next years.

UNI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.90% yearly.

EPS Next Y13.09%

EPS Next 2Y7.88%

EPS Next 3Y7.3%

EPS Next 5Y7.5%

Revenue Next Year4.58%

Revenue Next 2Y3.28%

Revenue Next 3Y3.79%

Revenue Next 5Y3.9%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.21, which indicates a correct valuation of UNI.

Based on the Price/Earnings ratio, UNI is valued a bit cheaper than 67.50% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.86, UNI is valued rather cheaply.

The Price/Forward Earnings ratio is 9.91, which indicates a very decent valuation of UNI.

The rest of the industry has a similar Price/Forward Earnings ratio as UNI.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, UNI is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.21
Fwd PE	9.91

4.2 Price Multiples

UNI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UNI is cheaper than 77.50% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.44
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)0.93

PEG (5Y)3.45

EPS Next 2Y7.88%

EPS Next 3Y7.3%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.66%, UNI is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 4.56, UNI has a dividend in line with its industry peers.

UNI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	4.66%

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

63.50% of the earnings are spent on dividend by UNI. 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 2Y7.88%

EPS Next 3Y7.3%

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UNIPOL ASSICURAZIONI SPA

BIT:UNI (10/3/2025, 7:00:00 PM)

18.32

+0.07 (+0.36%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-06 2025-08-06

Earnings (Next)11-05 2025-11-05

Inst Owners19.39%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap13.14B

Analysts81.82

Price Target19.7 (7.53%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.66%

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)0.75%

PT rev (3m)4.16%

EPS NQ rev (1m)0%

EPS NQ rev (3m)25.08%

EPS NY rev (1m)1.52%

EPS NY rev (3m)7.97%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.68%

Valuation

		Industry Rank	Sector Rank
PE	12.21
Fwd PE	9.91
P/S	1.18
P/FCF	4.44
P/OCF	3.62
P/B	1.4
P/tB	1.92
EV/EBITDA	N/A

EPS(TTM)1.5

EY8.19%

EPS(NY)1.85

Fwd EY10.09%

FCF(TTM)4.13

FCFY22.54%

OCF(TTM)5.06

OCFY27.62%

SpS15.46

BVpS13.1

TBVpS9.56

PEG (NY)0.93

PEG (5Y)3.45

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

ROICexcg growth 3Y-12.48%

ROICexcg 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

WACC7.05%

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 Y13.09%

EPS Next 2Y7.88%

EPS Next 3Y7.3%

EPS Next 5Y7.5%

Revenue 1Y (TTM)-1.12%

Revenue growth 3Y-8.9%

Revenue growth 5Y-7.13%

Sales Q2Q%1.12%

Revenue Next Year4.58%

Revenue Next 2Y3.28%

Revenue Next 3Y3.79%

Revenue Next 5Y3.9%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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