UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
BIT:UNI - Euronext Milan - IT0004810054 - Common Stock - Currency: EUR
Overall UNI gets a fundamental rating of 4 out of 10. We evaluated UNI against 32 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. UNI also has an excellent dividend rating.
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.
1.2 Ratios
UNI has a Return On Assets of 1.29%. This is in the better half of the industry: UNI outperforms 68.75% 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.
The Return On Invested Capital of UNI (0.79%) is worse than 65.63% of its industry peers.
| 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
With a Profit Margin value of 9.68%, UNI perfoms like the industry average, outperforming 56.25% of the companies in the same industry.
UNI's Profit Margin has improved in the last couple of years.
UNI has a Operating Margin of 6.84%. This is in the lower half of the industry: UNI underperforms 68.75% of its industry peers.
UNI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.84% | ||
| PM (TTM) | 9.68% | ||
| GM | N/A |
OM growth 3Y-4.28%
OM growth 5Y2.03%
PM growth 3Y31.39%
PM growth 5Y11.5%
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.
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 3.48. This is a good value and a sign of high solvency as UNI would need 3.48 years to pay back of all of its debts.
The Debt to FCF ratio of UNI (3.48) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.60 indicates that UNI is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.60, UNI perfoms like the industry average, outperforming 43.75% 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
WACC7.34%
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%.
UNI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.54% yearly.
The Revenue has decreased by -1.15% in the past year.
UNI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.14% yearly.
EPS 1Y (TTM)-2.45%
EPS 3Y19.68%
EPS 5Y3.54%
EPS Q2Q%-17.81%
Revenue 1Y (TTM)-1.15%
Revenue growth 3Y-8.91%
Revenue growth 5Y-7.14%
Sales Q2Q%-5.72%
3.2 Future
Based on estimates for the next years, UNI will show a small growth in Earnings Per Share. The EPS will grow by 5.52% on average per year.
UNI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.52% yearly.
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
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 10.98 indicates a reasonable valuation of UNI.
Compared to the rest of the industry, the Price/Earnings ratio of UNI indicates a somewhat cheap valuation: UNI is cheaper than 75.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of UNI to the average of the S&P500 Index (24.29), we can say UNI is valued rather cheaply.
UNI is valuated reasonably with a Price/Forward Earnings ratio of 9.89.
UNI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UNI is cheaper than 75.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.42. UNI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 9.89 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UNI is valued a bit cheaper than the industry average as 68.75% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UNI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.31
PEG (5Y)3.1
EPS Next 2Y5.12%
EPS Next 3Y5.52%
5. Dividend
5.1 Amount
UNI has a Yearly Dividend Yield of 5.40%, which is a nice return.
UNI's Dividend Yield is a higher than the industry average which is at 4.68.
Compared to an average S&P500 Dividend Yield of 2.43, UNI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.4% |
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
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 (5/7/2025, 11:41:02 AM)
16.465
-0.2 (-1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners19.81%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.81B
Analysts82.22
Price Target16.61 (0.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.4% |
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)8.7%
PT rev (3m)25.84%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.73%
EPS NY rev (3m)-3.19%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.31%
Revenue NY rev (3m)0.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 9.89 | ||
| P/S | 1.07 | ||
| P/FCF | 7.42 | ||
| P/OCF | 4.69 | ||
| P/B | 1.27 | ||
| P/tB | 1.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY9.11%
EPS(NY)1.66
Fwd EY10.11%
FCF(TTM)2.22
FCFY13.48%
OCF(TTM)3.51
OCFY21.31%
SpS15.46
BVpS12.99
TBVpS9.43
PEG (NY)2.31
PEG (5Y)3.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 11.52% | ||
| ROCE | 0.93% | ||
| ROIC | 0.79% | ||
| ROICexc | 0.81% | ||
| ROICexgc | 0.88% | ||
| OM | 6.84% | ||
| 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-12.63%
ROICexcg growth 5Y-5.97%
ROICexc growth 3Y-13.76%
ROICexc growth 5Y-6.65%
OM growth 3Y-4.28%
OM growth 5Y2.03%
PM growth 3Y31.39%
PM growth 5Y11.5%
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 | 2.88 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 148.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.34%
ROIC/WACC0.11
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)9.87%
Cap/Sales(5y)6.55%
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)-1.15%
Revenue growth 3Y-8.91%
Revenue growth 5Y-7.14%
Sales Q2Q%-5.72%
Revenue Next Year3.88%
Revenue Next 2Y4.32%
Revenue Next 3Y4.52%
Revenue Next 5YN/A
EBIT growth 1Y-6.87%
EBIT growth 3Y-12.81%
EBIT growth 5Y-5.25%
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%