UNIPOL ASSICURAZIONI SPA (UNI.MI) Fundamental Analysis & Valuation

BIT:UNI • IT0004810054

Current stock price

19.735 EUR
+0.3 (+1.57%)
Last:

This UNI.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. UNI.MI Profitability Analysis

1.1 Basic Checks

  • In the past year UNI was profitable.
  • In the past 5 years UNI has always been profitable.
  • UNI had a positive operating cash flow in 4 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 2025 0 1B 2B

1.2 Ratios

  • UNI has a Return On Assets (1.64%) which is in line with its industry peers.
  • With a Return On Equity value of 14.26%, UNI perfoms like the industry average, outperforming 44.68% of the companies in the same industry.
  • The Return On Invested Capital of UNI (1.18%) is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for UNI is below the industry average of 3.45%.
  • The last Return On Invested Capital (1.18%) for UNI is above the 3 year average (0.92%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.64%
ROE 14.26%
ROIC 1.18%
ROA(3y)1.44%
ROA(5y)1.16%
ROE(3y)13.2%
ROE(5y)11.06%
ROIC(3y)0.92%
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 2025 0 5 -5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 15.55%, UNI belongs to the top of the industry, outperforming 82.98% of the companies in the same industry.
  • UNI's Profit Margin has improved in the last couple of years.
  • The Operating Margin of UNI (13.83%) is comparable to the rest of the industry.
  • UNI's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 13.83%
PM (TTM) 15.55%
GM N/A
OM growth 3YN/A
OM growth 5Y13.73%
PM growth 3Y35.38%
PM growth 5Y24.36%
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 2025 0 5 10 15

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2

2. UNI.MI Health Analysis

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.
  • UNI has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, UNI has about the same amount of shares outstanding.
  • UNI has a better debt/assets ratio than last year.
UNI.MI Yearly Shares OutstandingUNI.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 20B 40B 60B 80B

2.2 Solvency

  • 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 65.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.17
WACC7.08%
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 2025 0 2B 4B 6B 8B 10B

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 2025 500M 1B 1.5B 2B

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4

3. UNI.MI Growth Analysis

3.1 Past

  • UNI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.13%, which is quite impressive.
  • The Earnings Per Share has been growing by 15.97% on average over the past years. This is quite good.
  • UNI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.11%.
  • The Revenue has been decreasing by -6.77% on average over the past years.
EPS 1Y (TTM)38.13%
EPS 3Y41.31%
EPS 5Y15.97%
EPS Q2Q%163.51%
Revenue 1Y (TTM)-14.11%
Revenue growth 3Y4.39%
Revenue growth 5Y-6.77%
Sales Q2Q%64.72%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.15% on average over the next years.
  • The Revenue is expected to grow by 3.11% on average over the next years.
EPS Next Y-0.94%
EPS Next 2Y3.58%
EPS Next 3Y4.15%
EPS Next 5YN/A
Revenue Next Year2.27%
Revenue Next 2Y3.59%
Revenue Next 3Y3.11%
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 decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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4

4. UNI.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.53 indicates a reasonable valuation of UNI.
  • 85.11% of the companies in the same industry are more expensive than UNI, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of UNI to the average of the S&P500 Index (25.70), we can say UNI is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.87, the valuation of UNI can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UNI indicates a somewhat cheap valuation: UNI is cheaper than 63.83% of the companies listed in the same industry.
  • UNI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.53
Fwd PE 9.87
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
UNI.MI Per share dataUNI.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.6
EPS Next 2Y3.58%
EPS Next 3Y4.15%

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5

5. UNI.MI Dividend Analysis

5.1 Amount

  • UNI has a Yearly Dividend Yield of 4.37%, which is a nice return.
  • UNI's Dividend Yield is slightly below the industry average, which is at 4.26.
  • Compared to an average S&P500 Dividend Yield of 1.89, UNI pays a better dividend.
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's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y3.58%
EPS Next 3Y4.15%
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 2025 0 1B 2B

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UNI.MI Fundamentals: All Metrics, Ratios and Statistics

UNIPOL ASSICURAZIONI SPA

BIT:UNI (3/13/2026, 7:00:00 PM)

19.735

+0.3 (+1.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-20
Earnings (Next)05-14
Inst Owners18.88%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.16B
Revenue(TTM)9.53B
Net Income(TTM)1.48B
Analysts81.82
Price Target23.2 (17.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.37%
Yearly Dividend0.49
Dividend Growth(5Y)22.12%
DP0%
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)7.42%
PT rev (3m)8.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.5%
EPS NY rev (1m)3.83%
EPS NY rev (3m)5.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.34%
Revenue NY rev (3m)2.34%
Valuation
Industry RankSector Rank
PE 9.53
Fwd PE 9.87
P/S 1.49
P/FCF N/A
P/OCF N/A
P/B 1.36
P/tB 1.83
EV/EBITDA N/A
EPS(TTM)2.07
EY10.49%
EPS(NY)2
Fwd EY10.13%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS13.28
BVpS14.48
TBVpS10.8
PEG (NY)N/A
PEG (5Y)0.6
Graham Number25.97
Profitability
Industry RankSector Rank
ROA 1.64%
ROE 14.26%
ROCE 1.48%
ROIC 1.18%
ROICexc 1.2%
ROICexgc 1.28%
OM 13.83%
PM (TTM) 15.55%
GM N/A
FCFM N/A
ROA(3y)1.44%
ROA(5y)1.16%
ROE(3y)13.2%
ROE(5y)11.06%
ROIC(3y)0.92%
ROIC(5y)N/A
ROICexc(3y)0.94%
ROICexc(5y)N/A
ROICexgc(3y)1.02%
ROICexgc(5y)N/A
ROCE(3y)1.16%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y3.89%
ROICexc growth 3YN/A
ROICexc growth 5Y3.47%
OM growth 3YN/A
OM growth 5Y13.73%
PM growth 3Y35.38%
PM growth 5Y24.36%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC7.08%
ROIC/WACC0.17
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.13%
EPS 3Y41.31%
EPS 5Y15.97%
EPS Q2Q%163.51%
EPS Next Y-0.94%
EPS Next 2Y3.58%
EPS Next 3Y4.15%
EPS Next 5YN/A
Revenue 1Y (TTM)-14.11%
Revenue growth 3Y4.39%
Revenue growth 5Y-6.77%
Sales Q2Q%64.72%
Revenue Next Year2.27%
Revenue Next 2Y3.59%
Revenue Next 3Y3.11%
Revenue Next 5YN/A
EBIT growth 1Y72.74%
EBIT growth 3YN/A
EBIT growth 5Y6.03%
EBIT Next Year706.79%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

UNIPOL ASSICURAZIONI SPA / UNI.MI Fundamental Analysis 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 4 / 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 5 / 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 decline by -0.94% in the next year.


Can you provide the dividend sustainability for UNI stock?

The dividend rating of UNIPOL ASSICURAZIONI SPA (UNI.MI) is 5 / 10 and the dividend payout ratio is 0%.