UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:UNI - IT0004810054 - Common Stock
19.305 EUR
-0.57 (-2.89%)
Taking everything into account, UNI scores 4 out of 10 in our fundamental rating. UNI was compared to 48 industry peers in the Insurance industry. There are concerns on the financial health of UNI while its profitability can be described as average. UNI has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year UNI was profitable.
- In the past year UNI had a positive cash flow from operations.
- Each year in the past 5 years UNI has been profitable.
- Each year in the past 5 years UNI had a positive operating cash flow.
1.2 Ratios
- UNI has a Return On Assets (1.26%) which is comparable to the rest of the industry.
- UNI's Return On Equity of 11.42% is on the low side compared to the rest of the industry. UNI is outperformed by 72.92% of its industry peers.
- With a Return On Invested Capital value of 0.77%, UNI perfoms like the industry average, outperforming 43.75% 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
- UNI's Profit Margin of 9.68% is in line compared to the rest of the industry. UNI outperforms 58.33% of its industry peers.
- In the last couple of years the Profit Margin of UNI has grown nicely.
- With a Operating Margin value of 6.88%, UNI is not doing good in the industry: 79.17% of the companies in the same industry are doing better.
- 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
2. Health
2.1 Basic Checks
- UNI 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 UNI remains at a similar level compared to 1 year ago.
- UNI has about the same amout of shares outstanding than it did 5 years ago.
- UNI has a worse debt/assets ratio than last year.
2.2 Solvency
- UNI 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.
- UNI's Debt to FCF ratio of 1.52 is fine compared to the rest of the industry. UNI outperforms 72.92% of its industry peers.
- A Debt/Equity ratio of 0.48 indicates that UNI is not too dependend on debt financing.
- UNI 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
WACC7.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- UNI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.45%.
- The Earnings Per Share has been growing slightly by 3.54% on average over the past years.
- UNI shows a decrease in Revenue. In the last year, the revenue decreased by -1.12%.
- 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 8.05% on average over the next years. This is quite good.
- UNI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.29% yearly.
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
- 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 12.87 indicates a correct valuation of UNI.
- 64.58% of the companies in the same industry are more expensive than UNI, based on the Price/Earnings ratio.
- UNI is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 10.02, the valuation of UNI can be described as reasonable.
- Based on the Price/Forward Earnings ratio, UNI is valued a bit cheaper than 66.67% of the companies in the same industry.
- UNI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.87 | ||
| Fwd PE | 10.02 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, UNI is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.67 | ||
| 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)0.5
PEG (5Y)3.64
EPS Next 2Y10.1%
EPS Next 3Y9.26%
5. Dividend
5.1 Amount
- UNI has a Yearly Dividend Yield of 4.21%, which is a nice return.
- UNI's Dividend Yield is comparable with the industry average which is at 4.19.
- Compared to an average S&P500 Dividend Yield of 1.86, UNI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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 2Y10.1%
EPS Next 3Y9.26%
BIT:UNI (1/21/2026, 7:00:00 PM)
19.305
-0.57 (-2.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06
Earnings (Next)02-19 2026-02-19/amc
Inst Owners19.45%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.85B
Revenue(TTM)11.10B
Net Income(TTM)1.07B
Analysts81.82
Price Target21.59 (11.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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)1.44%
PT rev (3m)9.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)38.61%
EPS NY rev (1m)0%
EPS NY rev (3m)11.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.87 | ||
| Fwd PE | 10.02 | ||
| P/S | 1.25 | ||
| P/FCF | 4.67 | ||
| P/OCF | 3.82 | ||
| P/B | 1.47 | ||
| P/tB | 2.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY7.77%
EPS(NY)1.93
Fwd EY9.98%
FCF(TTM)4.13
FCFY21.39%
OCF(TTM)5.06
OCFY26.21%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.5
PEG (5Y)3.64
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
WACC7.1%
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 / UNI.MI FAQ
What is the fundamental rating for UNI stock?
ChartMill assigns a fundamental rating of 4 / 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.
What is the profitability of UNI stock?
UNIPOL ASSICURAZIONI SPA (UNI.MI) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for UNI stock?
The Earnings per Share (EPS) of UNIPOL ASSICURAZIONI SPA (UNI.MI) is expected to grow by 25.69% in the next year.
Can you provide the dividend sustainability for UNI stock?
The dividend rating of UNIPOL ASSICURAZIONI SPA (UNI.MI) is 6 / 10 and the dividend payout ratio is 63.5%.