UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis

BIT:UNI • IT0004810054

19.565 EUR
+0.09 (+0.44%)
Last: Feb 18, 2026, 05:35 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

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 is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

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.
  • 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 0 1B 2B

1.2 Ratios

  • UNI has a Return On Assets (1.26%) which is comparable to the rest of the industry.
  • The Return On Equity of UNI (11.42%) is worse than 72.92% of its industry peers.
  • UNI has a Return On Invested Capital of 0.77%. This is comparable to the rest of the industry: UNI outperforms 41.67% of its industry peers.
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
UNI.MI Yearly ROA, ROE, ROICUNI.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • UNI's Profit Margin of 9.68% is in line compared to the rest of the industry. UNI outperforms 54.17% 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.
  • In the last couple of years the Operating Margin of UNI 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
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 0 2 -2 4 6 8

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
  • Compared to 1 year ago, UNI has a worse debt to assets ratio.
UNI.MI Yearly Shares OutstandingUNI.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 20B 40B 60B 80B

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 68.75% of its industry peers.
  • A Debt/Equity ratio of 0.48 indicates that UNI is not too dependend on debt financing.
  • UNI has a Debt to Equity ratio of 0.48. This is in the better half of the industry: UNI outperforms 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.52
Altman-Z N/A
ROIC/WACC0.11
WACC7.11%
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 0 2B 4B 6B 8B

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 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 UNI 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.
  • UNI shows a decrease in Revenue. In the last year, the revenue decreased by -1.12%.
  • 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.
  • Based on estimates for the next years, UNI will show a small growth in Revenue. The Revenue will grow by 4.29% on average per year.
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.
  • 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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5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.04, the valuation of UNI can be described as correct.
  • UNI's Price/Earnings is on the same level as the industry average.
  • UNI is valuated cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
  • UNI is valuated reasonably with a Price/Forward Earnings ratio of 10.16.
  • 68.75% of the companies in the same industry are more expensive than UNI, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of UNI to the average of the S&P500 Index (28.10), we can say UNI is valued rather cheaply.
Industry RankSector Rank
PE 13.04
Fwd PE 10.16
UNI.MI Price Earnings VS Forward Price EarningsUNI.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, UNI is valued a bit cheaper than the industry average as 70.83% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.74
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

  • The 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)3.68
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

  • With a Yearly Dividend Yield of 4.40%, UNI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.16, 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 1.82.
Industry RankSector Rank
Dividend Yield 4.4%

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.
  • UNI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP63.5%
EPS Next 2Y10.1%
EPS Next 3Y9.26%
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 0 1B 2B
UNI.MI Dividend Payout.UNI.MI Dividend Payout, showing the Payout Ratio.UNI.MI Dividend Payout.PayoutRetained Earnings

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UNIPOL ASSICURAZIONI SPA

BIT:UNI (2/18/2026, 5:35:30 PM)

19.565

+0.09 (+0.44%)

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 Cap14.04B
Revenue(TTM)11.10B
Net Income(TTM)1.07B
Analysts81.82
Price Target21.59 (10.35%)
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 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%
PT rev (3m)7.78%
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)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.05%
Valuation
Industry RankSector Rank
PE 13.04
Fwd PE 10.16
P/S 1.27
P/FCF 4.74
P/OCF 3.87
P/B 1.49
P/tB 2.05
EV/EBITDA N/A
EPS(TTM)1.5
EY7.67%
EPS(NY)1.93
Fwd EY9.85%
FCF(TTM)4.13
FCFY21.11%
OCF(TTM)5.06
OCFY25.86%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.51
PEG (5Y)3.68
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
WACC7.11%
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 5 / 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%.