UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis

BIT:UNI • IT0004810054

21.13 EUR
+1.68 (+8.67%)
Last: Feb 20, 2026, 05:35 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

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


Dividend Valuation Growth Profitability Health

4

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

  • With a Return On Assets value of 1.26%, UNI perfoms like the industry average, outperforming 45.83% of the companies in the same industry.
  • The Return On Equity of UNI (11.42%) is worse than 72.92% of its industry peers.
  • UNI's Return On Invested Capital of 0.77% is in line compared 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

  • 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 has a worse Operating Margin (6.88%) than 79.17% of its industry peers.
  • 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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3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UNI is destroying value.
  • Compared to 1 year ago, UNI has about the same amount of shares outstanding.
  • Compared to 5 years ago, UNI has about the same amount of shares outstanding.
  • The debt/assets ratio for UNI is higher compared to a year ago.
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

  • 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.
  • The Debt to FCF ratio of UNI (1.52) is better than 68.75% of its industry peers.
  • A Debt/Equity ratio of 0.48 indicates that UNI is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.48, UNI is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.52
Altman-Z N/A
ROIC/WACC0.11
WACC7.17%
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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3

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.
  • The Revenue has decreased by -1.12% in the past 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

  • Based on estimates for the next years, UNI will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.05% on average per year.
  • The Revenue is expected to grow by 4.29% on average over the next years.
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.
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

  • A Price/Earnings ratio of 14.09 indicates a correct valuation of UNI.
  • The rest of the industry has a similar Price/Earnings ratio as UNI.
  • UNI is valuated rather cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 10.97 indicates a reasonable valuation of UNI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UNI is on the same level as its industry peers.
  • UNI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 14.09
Fwd PE 10.97
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 70.83% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.12
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)0.55
PEG (5Y)3.98
EPS Next 2Y10.1%
EPS Next 3Y9.26%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • UNI has a Yearly Dividend Yield of 4.37%, which is a nice return.
  • UNI's Dividend Yield is comparable with the industry average which is at 4.16.
  • UNI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 4.37%

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 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 (2/20/2026, 5:35:15 PM)

21.13

+1.68 (+8.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-20
Earnings (Next)05-14
Inst Owners19.45%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap15.16B
Revenue(TTM)11.10B
Net Income(TTM)1.07B
Analysts81.82
Price Target21.59 (2.18%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.37%
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 14.09
Fwd PE 10.97
P/S 1.37
P/FCF 5.12
P/OCF 4.18
P/B 1.61
P/tB 2.21
EV/EBITDA N/A
EPS(TTM)1.5
EY7.1%
EPS(NY)1.93
Fwd EY9.12%
FCF(TTM)4.13
FCFY19.54%
OCF(TTM)5.06
OCFY23.94%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.55
PEG (5Y)3.98
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
WACC7.17%
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%.