UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
Europe - BIT:UNI - IT0004810054 - Common Stock
19.145 EUR
+0.18 (+0.95%)
We assign a fundamental rating of 4 out of 10 to UNI. UNI was compared to 39 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.
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.
In the past 5 years UNI has always been profitable.
Each year in the past 5 years UNI had a positive operating cash flow.
1.2 Ratios
UNI has a better Return On Assets (1.26%) than 61.54% of its industry peers.
UNI has a Return On Equity of 11.42%. This is in the lower half of the industry: UNI underperforms 69.23% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.77%, UNI is in line with its industry, outperforming 46.15% 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 has a Profit Margin (9.68%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of UNI has grown nicely.
Looking at the Operating Margin, with a value of 6.88%, UNI is doing worse than 71.79% 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
2. Health
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 about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for UNI is higher compared to a year ago.
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 76.92% of its industry peers.
A Debt/Equity ratio of 0.48 indicates that UNI is not too dependend on debt financing.
UNI's Debt to Equity ratio of 0.48 is fine compared to the rest of the industry. UNI outperforms 74.36% 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
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.
UNI shows a decrease in Revenue. In the last year, the revenue decreased by -1.12%.
UNI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.13% yearly.
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
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.76 indicates a correct valuation of UNI.
Compared to the rest of the industry, the Price/Earnings ratio of UNI is on the same level as its industry peers.
UNI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
The Price/Forward Earnings ratio is 10.35, which indicates a very decent valuation of UNI.
64.10% 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 (22.55), we can say UNI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.76 | ||
| Fwd PE | 10.35 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UNI is valued a bit cheaper than 79.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UNI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.98
PEG (5Y)3.61
EPS Next 2Y7.88%
EPS Next 3Y7.3%
5. Dividend
5.1 Amount
UNI has a Yearly Dividend Yield of 4.43%, which is a nice return.
UNI's Dividend Yield is comparable with the industry average which is at 4.51.
Compared to an average S&P500 Dividend Yield of 2.37, UNI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.43% |
5.2 History
The dividend of UNI is nicely growing with an annual growth rate of 22.12%!
Dividend Growth(5Y)22.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
UNI pays out 63.50% 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.
DP63.5%
EPS Next 2Y7.88%
EPS Next 3Y7.3%
BIT:UNI (11/3/2025, 3:01:11 PM)
19.145
+0.18 (+0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners19.39%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.74B
Revenue(TTM)11.10B
Net Income(TTM)1.07B
Analysts81.82
Price Target20.04 (4.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.43% |
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)2.08%
PT rev (3m)5.93%
EPS NQ rev (1m)38.61%
EPS NQ rev (3m)71.78%
EPS NY rev (1m)0%
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)-1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.76 | ||
| Fwd PE | 10.35 | ||
| P/S | 1.24 | ||
| P/FCF | 4.64 | ||
| P/OCF | 3.78 | ||
| P/B | 1.46 | ||
| P/tB | 2 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY7.83%
EPS(NY)1.85
Fwd EY9.66%
FCF(TTM)4.13
FCFY21.57%
OCF(TTM)5.06
OCFY26.43%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.98
PEG (5Y)3.61
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 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 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 for UNI 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.
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 12.76 and the Price/Book (PB) ratio is 1.46.
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%.