UNI Fundamental Analysis - UNIPOL ASSICURAZIONI SPA

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to UNI. UNI was compared to 38 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.

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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.

UNI had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of UNI (1.26%) is comparable to the rest of the industry.

UNI has a worse Return On Equity (11.42%) than 68.42% of its industry peers.

With a Return On Invested Capital value of 0.77%, UNI is not doing good in the industry: 63.16% of the companies in the same industry are doing better.

		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

With a Profit Margin value of 9.68%, UNI perfoms like the industry average, outperforming 57.89% of the companies in the same industry.

UNI's Profit Margin has improved in the last couple of years.

The Operating Margin of UNI (6.88%) is worse than 73.68% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UNI is destroying value.

The number of shares outstanding for UNI remains at a similar level compared to 1 year ago.

The number of shares outstanding for UNI remains at a similar level compared to 5 years ago.

The debt/assets ratio for UNI is higher compared to a year ago.

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 has a Debt to FCF ratio of 1.52. This is in the better half of the industry: UNI outperforms 71.05% 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 71.05% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.48
Debt/FCF	1.52
Altman-Z	N/A

ROIC/WACC0.11

WACC6.98%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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.

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%17.25%

Revenue 1Y (TTM)-1.12%

Revenue growth 3Y-8.9%

Revenue growth 5Y-7.13%

Sales Q2Q%1.12%

3.2 Future

UNI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.62% yearly.

The Revenue is expected to grow by 4.01% on average over the next years.

EPS Next Y11.39%

EPS Next 2Y7.16%

EPS Next 3Y6.7%

EPS Next 5Y7.62%

Revenue Next Year4.58%

Revenue Next 2Y3.28%

Revenue Next 3Y0.54%

Revenue Next 5Y4.01%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.60, the valuation of UNI can be described as very reasonable.

Based on the Price/Earnings ratio, UNI is valued a bit cheaper than 71.05% of the companies in the same industry.

UNI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.44.

UNI is valuated reasonably with a Price/Forward Earnings ratio of 9.54.

Based on the Price/Forward Earnings ratio, UNI is valued a bit cheaper than the industry average as 68.42% of the companies are valued more expensively.

UNI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.

		Industry Rank	Sector Rank
PE	11.6
Fwd PE	9.54

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, UNI is valued a bit cheaper than the industry average as 78.95% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	4.21
EV/EBITDA	N/A

4.3 Compensation for Growth

UNI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.02

PEG (5Y)3.28

EPS Next 2Y7.16%

EPS Next 3Y6.7%

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5. Dividend

5.1 Amount

UNI has a Yearly Dividend Yield of 4.90%, which is a nice return.

UNI's Dividend Yield is a higher than the industry average which is at 4.48.

Compared to an average S&P500 Dividend Yield of 2.45, UNI pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.9%

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 2Y7.16%

EPS Next 3Y6.7%

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UNIPOL ASSICURAZIONI SPA

BIT:UNI (9/11/2025, 7:00:00 PM)

17.4

-0.03 (-0.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-06 2025-08-06

Earnings (Next)11-05 2025-11-05

Inst Owners17.42%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap12.48B

Analysts81.82

Price Target19.55 (12.36%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.9%

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)3.39%

PT rev (3m)3.07%

EPS NQ rev (1m)23.93%

EPS NQ rev (3m)N/A

EPS NY rev (1m)6.35%

EPS NY rev (3m)6.35%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-1.12%

Revenue NY rev (3m)0.68%

Valuation

		Industry Rank	Sector Rank
PE	11.6
Fwd PE	9.54
P/S	1.13
P/FCF	4.21
P/OCF	3.44
P/B	1.33
P/tB	1.82
EV/EBITDA	N/A

EPS(TTM)1.5

EY8.62%

EPS(NY)1.82

Fwd EY10.49%

FCF(TTM)4.13

FCFY23.73%

OCF(TTM)5.06

OCFY29.08%

SpS15.46

BVpS13.1

TBVpS9.56

PEG (NY)1.02

PEG (5Y)3.28

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

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	0.48
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

WACC6.98%

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 Y11.39%

EPS Next 2Y7.16%

EPS Next 3Y6.7%

EPS Next 5Y7.62%

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 3Y0.54%

Revenue Next 5Y4.01%

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 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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