UNIPOL ASSICURAZIONI SPA (UNI.MI) Fundamental Analysis & Valuation

BIT:UNI • IT0004810054

Current stock price

22.26 EUR
+0.16 (+0.72%)
Last:

This UNI.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. UNI.MI Profitability Analysis

1.1 Basic Checks

  • UNI had positive earnings in the past year.
  • UNI had a positive operating cash flow in the past year.
  • In the past 5 years UNI has always been profitable.
  • Each year in the past 5 years UNI had a positive operating cash flow.
UNI.MI Yearly Net Income VS EBIT VS OCF VS FCFUNI.MI 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 2025 0 1B 2B 3B 4B

1.2 Ratios

  • UNI has a better Return On Assets (1.64%) than 64.58% of its industry peers.
  • UNI has a Return On Equity (14.26%) which is comparable to the rest of the industry.
  • With a Return On Invested Capital value of 1.22%, UNI perfoms like the industry average, outperforming 58.33% of the companies in the same industry.
  • UNI had an Average Return On Invested Capital over the past 3 years of 0.93%. This is in line with the industry average of 2.76%.
  • The last Return On Invested Capital (1.22%) for UNI is above the 3 year average (0.93%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.64%
ROE 14.26%
ROIC 1.22%
ROA(3y)1.44%
ROA(5y)1.16%
ROE(3y)13.2%
ROE(5y)11.06%
ROIC(3y)0.93%
ROIC(5y)N/A
UNI.MI Yearly ROA, ROE, ROICUNI.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • UNI's Profit Margin of 13.03% is fine compared to the rest of the industry. UNI outperforms 79.17% of its industry peers.
  • In the last couple of years the Profit Margin of UNI has grown nicely.
  • UNI has a Operating Margin (11.96%) which is in line with its industry peers.
  • UNI's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 11.96%
PM (TTM) 13.03%
GM N/A
OM growth 3YN/A
OM growth 5Y10.48%
PM growth 3Y27.61%
PM growth 5Y20.02%
GM growth 3YN/A
GM growth 5YN/A
UNI.MI Yearly Profit, Operating, Gross MarginsUNI.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

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4

2. UNI.MI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UNI is destroying value.
  • Compared to 1 year ago, UNI has about the same amount of shares outstanding.
  • UNI has less shares outstanding than it did 5 years ago.
  • UNI has a better debt/assets ratio than last year.
UNI.MI Yearly Shares OutstandingUNI.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
UNI.MI Yearly Total Debt VS Total AssetsUNI.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • UNI has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
  • UNI has a Debt to FCF ratio of 1.24. This is in the better half of the industry: UNI outperforms 70.83% 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 68.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACC0.17
WACC6.97%
UNI.MI Yearly LT Debt VS Equity VS FCFUNI.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UNI.MI Yearly Current Assets VS Current LiabilitesUNI.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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4

3. UNI.MI Growth Analysis

3.1 Past

  • UNI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.80%, which is quite impressive.
  • Measured over the past years, UNI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.91% on average per year.
  • Looking at the last year, UNI shows a small growth in Revenue. The Revenue has grown by 2.55% in the last year.
  • The Revenue has been decreasing by -3.40% on average over the past years.
EPS 1Y (TTM)37.8%
EPS 3Y41.2%
EPS 5Y15.91%
EPS Q2Q%56.44%
Revenue 1Y (TTM)2.55%
Revenue growth 3Y10.75%
Revenue growth 5Y-3.4%
Sales Q2Q%4.81%

3.2 Future

  • Based on estimates for the next years, UNI will show a small growth in Earnings Per Share. The EPS will grow by 4.37% on average per year.
  • Based on estimates for the next years, UNI will show a small growth in Revenue. The Revenue will grow by 5.09% on average per year.
EPS Next Y-0.71%
EPS Next 2Y3.56%
EPS Next 3Y4.37%
EPS Next 5YN/A
Revenue Next Year4.28%
Revenue Next 2Y4.64%
Revenue Next 3Y5.09%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
UNI.MI Yearly Revenue VS EstimatesUNI.MI 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
UNI.MI Yearly EPS VS EstimatesUNI.MI 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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6

4. UNI.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.75, the valuation of UNI can be described as very reasonable.
  • Based on the Price/Earnings ratio, UNI is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
  • UNI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
  • With a Price/Forward Earnings ratio of 11.10, the valuation of UNI can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as UNI.
  • When comparing the Price/Forward Earnings ratio of UNI to the average of the S&P500 Index (38.20), we can say UNI is valued rather cheaply.
Industry RankSector Rank
PE 10.75
Fwd PE 11.1
UNI.MI Price Earnings VS Forward Price EarningsUNI.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UNI indicates a rather cheap valuation: UNI is cheaper than 87.50% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.94
EV/EBITDA N/A
UNI.MI Per share dataUNI.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • UNI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.68
EPS Next 2Y3.56%
EPS Next 3Y4.37%

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

6

5. UNI.MI Dividend Analysis

5.1 Amount

  • UNI has a Yearly Dividend Yield of 5.21%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.28, UNI pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, UNI pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.21%

5.2 History

  • The dividend of UNI is nicely growing with an annual growth rate of 49.18%!
Dividend Growth(5Y)49.18%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • UNI pays out 64.30% of its income as dividend. This is not a sustainable payout ratio.
  • UNI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP64.3%
EPS Next 2Y3.56%
EPS Next 3Y4.37%
UNI.MI Yearly Income VS Free CF VS DividendUNI.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B
UNI.MI Dividend Payout.UNI.MI Dividend Payout, showing the Payout Ratio.UNI.MI Dividend Payout.PayoutRetained Earnings

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UNI.MI Fundamentals: All Metrics, Ratios and Statistics

UNIPOL ASSICURAZIONI SPA

BIT:UNI (4/16/2026, 5:36:15 PM)

22.26

+0.16 (+0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-20
Earnings (Next)05-14
Inst Owners18.79%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap15.97B
Revenue(TTM)11.38B
Net Income(TTM)1.48B
Analysts81.82
Price Target23.46 (5.39%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.21%
Yearly Dividend1.33
Dividend Growth(5Y)49.18%
DP64.3%
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)1.13%
PT rev (3m)8.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.23%
EPS NY rev (3m)4.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.97%
Revenue NY rev (3m)4.35%
Valuation
Industry RankSector Rank
PE 10.75
Fwd PE 11.1
P/S 1.4
P/FCF 3.94
P/OCF 3.48
P/B 1.54
P/tB 2.06
EV/EBITDA N/A
EPS(TTM)2.07
EY9.3%
EPS(NY)2
Fwd EY9.01%
FCF(TTM)5.65
FCFY25.38%
OCF(TTM)6.4
OCFY28.76%
SpS15.86
BVpS14.48
TBVpS10.8
PEG (NY)N/A
PEG (5Y)0.68
Graham Number25.9719 (16.68%)
Profitability
Industry RankSector Rank
ROA 1.64%
ROE 14.26%
ROCE 1.53%
ROIC 1.22%
ROICexc 1.23%
ROICexgc 1.32%
OM 11.96%
PM (TTM) 13.03%
GM N/A
FCFM 35.63%
ROA(3y)1.44%
ROA(5y)1.16%
ROE(3y)13.2%
ROE(5y)11.06%
ROIC(3y)0.93%
ROIC(5y)N/A
ROICexc(3y)0.95%
ROICexc(5y)N/A
ROICexgc(3y)1.03%
ROICexgc(5y)N/A
ROCE(3y)1.17%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y4.5%
ROICexc growth 3YN/A
ROICexc growth 5Y4.07%
OM growth 3YN/A
OM growth 5Y10.48%
PM growth 3Y27.61%
PM growth 5Y20.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.24
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 4.74%
Interest Coverage 5.44
Cash Conversion N/A
Profit Quality 273.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC6.97%
ROIC/WACC0.17
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)8.2%
Cap/Sales(5y)7.19%
Profit Quality(3y)148.01%
Profit Quality(5y)176.6%
High Growth Momentum
Growth
EPS 1Y (TTM)37.8%
EPS 3Y41.2%
EPS 5Y15.91%
EPS Q2Q%56.44%
EPS Next Y-0.71%
EPS Next 2Y3.56%
EPS Next 3Y4.37%
EPS Next 5YN/A
Revenue 1Y (TTM)2.55%
Revenue growth 3Y10.75%
Revenue growth 5Y-3.4%
Sales Q2Q%4.81%
Revenue Next Year4.28%
Revenue Next 2Y4.64%
Revenue Next 3Y5.09%
Revenue Next 5YN/A
EBIT growth 1Y78.37%
EBIT growth 3YN/A
EBIT growth 5Y6.72%
EBIT Next Year737.97%
EBIT Next 3Y109.26%
EBIT Next 5YN/A
FCF growth 1Y154.49%
FCF growth 3Y53.34%
FCF growth 5Y51.79%
OCF growth 1Y82.48%
OCF growth 3Y33.25%
OCF growth 5Y45.34%

UNIPOL ASSICURAZIONI SPA / UNI.MI Fundamental Analysis FAQ

What is the fundamental rating for UNI stock?

ChartMill assigns a fundamental rating of 5 / 10 to UNI.MI.


What is the valuation status of UNIPOL ASSICURAZIONI SPA (UNI.MI) stock?

ChartMill assigns a valuation rating of 6 / 10 to UNIPOL ASSICURAZIONI SPA (UNI.MI). This can be considered as Fairly Valued.


How profitable is UNIPOL ASSICURAZIONI SPA (UNI.MI) stock?

UNIPOL ASSICURAZIONI SPA (UNI.MI) has a profitability rating of 6 / 10.


What are the PE and PB ratios of UNIPOL ASSICURAZIONI SPA (UNI.MI) stock?

The Price/Earnings (PE) ratio for UNIPOL ASSICURAZIONI SPA (UNI.MI) is 10.75 and the Price/Book (PB) ratio is 1.54.


What is the financial health of UNIPOL ASSICURAZIONI SPA (UNI.MI) stock?

The financial health rating of UNIPOL ASSICURAZIONI SPA (UNI.MI) is 4 / 10.