UNIPOL ASSICURAZIONI SPA (UNI.MI) Stock Fundamental Analysis
Europe - BIT:UNI - IT0004810054 - Common Stock
19.145 EUR
0 (-0.03%)
UNI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 39 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 it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year UNI was profitable.
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
The Return On Assets of UNI (1.26%) is comparable to the rest of the industry.
The Return On Equity of UNI (11.42%) is worse than 71.79% of its industry peers.
UNI has a Return On Invested Capital (0.77%) which is in line with its industry peers.
| 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's Profit Margin of 9.68% is fine compared to the rest of the industry. UNI outperforms 61.54% of its industry peers.
In the last couple of years the Profit Margin of UNI has grown nicely.
UNI has a worse Operating Margin (6.88%) than 74.36% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UNI is destroying value.
The number of shares outstanding for UNI remains at a similar level compared to 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
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 74.36% of its industry peers.
A Debt/Equity ratio of 0.48 indicates that UNI is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.48, UNI is doing good in the industry, outperforming 76.92% of the companies in the same industry.
| 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
UNI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.45%.
Measured over the past 5 years, UNI shows a small growth in Earnings Per Share. The EPS has been growing by 3.54% on average per year.
Looking at the last year, UNI shows a decrease in Revenue. The Revenue has decreased by -1.12% in the last year.
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 8.01% on average over the next years. This is quite good.
Based on estimates for the next years, UNI will show a small growth in Revenue. The Revenue will grow by 4.39% on average per year.
EPS Next Y15.62%
EPS Next 2Y7.98%
EPS Next 3Y7.57%
EPS Next 5Y8.01%
Revenue Next Year6.76%
Revenue Next 2Y3.84%
Revenue Next 3Y4.08%
Revenue Next 5Y4.39%
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
With a Price/Earnings ratio of 12.76, UNI is valued correctly.
Based on the Price/Earnings ratio, UNI is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
UNI is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.33, 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 64.10% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.72. UNI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.76 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
UNI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UNI is cheaper than 76.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.64 | ||
| EV/EBITDA | N/A |
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)0.82
PEG (5Y)3.61
EPS Next 2Y7.98%
EPS Next 3Y7.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.38%, UNI is a good candidate for dividend investing.
UNI's Dividend Yield is comparable with the industry average which is at 4.62.
UNI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.38% |
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.
UNI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP63.5%
EPS Next 2Y7.98%
EPS Next 3Y7.57%
BIT:UNI (11/11/2025, 7:00:00 PM)
19.145
0 (-0.03%)
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 | 4.38% |
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)1.7%
PT rev (3m)5.69%
EPS NQ rev (1m)38.61%
EPS NQ rev (3m)71.78%
EPS NY rev (1m)2.24%
EPS NY rev (3m)10.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.09%
Revenue NY rev (3m)0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.76 | ||
| Fwd PE | 10.33 | ||
| 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 EY9.68%
FCF(TTM)4.13
FCFY21.57%
OCF(TTM)5.06
OCFY26.43%
SpS15.46
BVpS13.1
TBVpS9.56
PEG (NY)0.82
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 Y15.62%
EPS Next 2Y7.98%
EPS Next 3Y7.57%
EPS Next 5Y8.01%
Revenue 1Y (TTM)-1.12%
Revenue growth 3Y-8.9%
Revenue growth 5Y-7.13%
Sales Q2Q%1.12%
Revenue Next Year6.76%
Revenue Next 2Y3.84%
Revenue Next 3Y4.08%
Revenue Next 5Y4.39%
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%.