UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
BIT:UNI - Euronext Milan - IT0004810054 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to UNI. UNI was compared to 40 industry peers in the Insurance industry. UNI has a medium profitability rating, but doesn't score so well on its financial health evaluation. UNI has a valuation in line with the averages, but on the other hand it scores bad on growth. UNI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
UNI had positive earnings in the past year.
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
The Return On Assets of UNI (1.29%) is better than 65.00% of its industry peers.
UNI's Return On Equity of 11.52% is on the low side compared to the rest of the industry. UNI is outperformed by 62.50% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.79%, UNI is doing worse than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 11.52% | ||
| ROIC | 0.79% |
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
The Profit Margin of UNI (9.68%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of UNI has grown nicely.
UNI's Operating Margin of 6.88% is on the low side compared to the rest of the industry. UNI is outperformed by 75.00% of its industry peers.
In the last couple of years the Operating Margin of UNI has grown nicely.
| 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.
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.
2.2 Solvency
The Debt to FCF ratio of UNI is 3.48, which is a good value as it means it would take UNI, 3.48 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UNI (3.48) is comparable to the rest of the industry.
UNI has a Debt/Equity ratio of 0.60. This is a neutral value indicating UNI is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.60, UNI perfoms like the industry average, outperforming 42.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.48 | ||
| Altman-Z | N/A |
ROIC/WACC0.11
WACC7.02%
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.
Looking at the last year, UNI shows a decrease in Revenue. The Revenue has decreased by -1.12% in the last 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%-17.81%
Revenue 1Y (TTM)-1.12%
Revenue growth 3Y-8.9%
Revenue growth 5Y-7.13%
Sales Q2Q%-5.72%
3.2 Future
The Earnings Per Share is expected to grow by 5.52% on average over the next years.
The Revenue is expected to grow by 4.52% on average over the next years.
EPS Next Y4.74%
EPS Next 2Y5.12%
EPS Next 3Y5.52%
EPS Next 5YN/A
Revenue Next Year3.88%
Revenue Next 2Y4.32%
Revenue Next 3Y4.52%
Revenue Next 5YN/A
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
The Price/Earnings ratio is 10.86, which indicates a very decent valuation of UNI.
Based on the Price/Earnings ratio, UNI is valued a bit cheaper than 77.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.45. UNI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.78, which indicates a very decent valuation of UNI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UNI indicates a somewhat cheap valuation: UNI is cheaper than 77.50% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of UNI to the average of the S&P500 Index (21.90), we can say UNI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 9.78 |
4.2 Price Multiples
UNI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UNI is cheaper than 72.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.29
PEG (5Y)3.07
EPS Next 2Y5.12%
EPS Next 3Y5.52%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.12%, UNI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.58, UNI pays a bit more dividend than its industry peers.
UNI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
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
32.59% of the earnings are spent on dividend by UNI. This is a low number and sustainable payout ratio.
UNI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP32.59%
EPS Next 2Y5.12%
EPS Next 3Y5.52%
BIT:UNI (7/4/2025, 7:00:00 PM)
16.285
-0.07 (-0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners17.42%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.68B
Analysts84
Price Target18.91 (16.12%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
Yearly Dividend0.49
Dividend Growth(5Y)22.12%
DP32.59%
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)11.7%
PT rev (3m)23.78%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)7.73%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 9.78 | ||
| P/S | 1.05 | ||
| P/FCF | 7.33 | ||
| P/OCF | 4.64 | ||
| P/B | 1.25 | ||
| P/tB | 1.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY9.21%
EPS(NY)1.66
Fwd EY10.22%
FCF(TTM)2.22
FCFY13.63%
OCF(TTM)3.51
OCFY21.54%
SpS15.46
BVpS12.99
TBVpS9.43
PEG (NY)2.29
PEG (5Y)3.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 11.52% | ||
| ROCE | 0.93% | ||
| ROIC | 0.79% | ||
| ROICexc | 0.81% | ||
| ROICexgc | 0.89% | ||
| OM | 6.88% | ||
| PM (TTM) | 9.68% | ||
| GM | N/A | ||
| FCFM | 14.36% |
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 | 0.6 | ||
| Debt/FCF | 3.48 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 8.33% | ||
| Interest Coverage | 2.89 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 148.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.02%
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%-17.81%
EPS Next Y4.74%
EPS Next 2Y5.12%
EPS Next 3Y5.52%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.12%
Revenue growth 3Y-8.9%
Revenue growth 5Y-7.13%
Sales Q2Q%-5.72%
Revenue Next Year3.88%
Revenue Next 2Y4.32%
Revenue Next 3Y4.52%
Revenue Next 5YN/A
EBIT growth 1Y-6.38%
EBIT growth 3Y-12.66%
EBIT growth 5Y-5.15%
EBIT Next Year1112.42%
EBIT Next 3Y136.49%
EBIT Next 5YN/A
FCF growth 1Y552.87%
FCF growth 3Y4.19%
FCF growth 5Y3.59%
OCF growth 1Y63.76%
OCF growth 3Y15.26%
OCF growth 5Y10.14%