UNI Stock Analysis: Unipol Gruppo S.p.A. | MI
Insurance - Property & Casualty | MI, Italy | Market Cap: 18.776m EUR | 12M Return: 65.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 44.1M
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Unipol Assicurazioni S.p.A. (formerly Unipol Gruppo S.p.A., renamed in January 2025) is a large-cap Italian insurer listed on the Milan Stock Exchange under the ticker UNI, operating across four segments: Non-Life Insurance, Life Insurance, Banking Associates, and Other Business. As a multi-line insurer, it combines property & casualty cover (vehicles, homes, businesses, accidents, health) with life insurance, reinsurance, and bancassurance partnerships - a distribution model in which banks sell insurance products on behalf of insurers and which is widespread across the European market.
Beyond core underwriting, the group runs a diversified portfolio of ancillary activities, including real estate management and hotel/resort operations (via leases, franchises, and management), agricultural, healthcare, and port facilities, plus a range of consumer services such as anti-theft systems, vehicle and glass repair, mobile payments, telematics, and a digital health platform offering telemedicine, home care, and physiotherapy. These adjacencies support its integrated ecosystem model, common among Italian composite insurers that aim to bundle insurance with complementary household, mobility, and welfare services.
Products are distributed through multiple channels - direct sales, brokers, agency networks, banking partners, and franchise administrators - allowing the company to reach both retail and small-business customers. Founded in 1961 and headquartered in Bologna, Italy, Unipol Assicurazioni serves primarily the domestic Italian market.
- Motor insurance combined ratio improves on pricing discipline
- Italian storm and flood claims pressure non-life margins
- Life segment profitability expands on higher ECB interest rates
| Net Income: 1.48b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 2.57 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.05 > 3% & CFO 4.59b > Net Income 1.48b |
| Net Debt (-1.05b) to EBITDA (663.7m): -1.59 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (715.2m) vs 12m ago 0.12% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 15.78% > 50% (prev 15.80%; Δ -0.02% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| DSRI: 0.98 (Receivables 408.0m/399.0m, Revenue 13.7b/13.2b) |
| GMI: 1.0 (GM 100.0% / 100.0%) |
| AQI: 0.99 (AQ_t 0.40 / AQ_t-1 0.41) |
| SGI: 1.04 (Revenue 13.7b / 13.2b) |
| TATA: -0.03 (NI 1.48b - CFO 4.59b) / TA 90.4b) |
| Beneish M = -3.02 (Cap -4..+1) = AA |
As of July 10, 2026, the stock is trading at EUR 26.09 with a total of 1,528,269 shares traded. Over the past week, the price has changed by -0.34%, over one month by +14.23%, over three months by +27.87% and over the past year by +65.29%.
Current recommended Stop Loss: 25.20 (which is 3.4% or 1.4 ATR below the current price).
Unipol Gruppo S.p.A. has no consensus analysts rating.
P/E Trailing = 12.8966
P/E Forward = 5.2356
P/S = 1.7198
P/B = 1.7504
P/EG = 0.0755
Revenue TTM = 13.7b EUR
EBIT TTM = 608.7m EUR
EBITDA TTM = 663.7m EUR
Long Term Debt = 5.01b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 128.0m EUR (Leases only: 128.0m)
Net Debt = -1.05b EUR (calculated: Debt 128.0m - CCE 1.18b)
Enterprise Value = 17.7b EUR (18.8b + Debt 128.0m - CCE 1.18b)
Interest Coverage Ratio = unknown (Ebit TTM 608.7m / Interest Expense TTM 0.0)
EV/FCF = 4.37x (Enterprise Value 17.7b / FCF TTM 4.05b)
FCF Yield = 22.87% (FCF TTM 4.05b / Enterprise Value 17.7b)
FCF Margin = 29.56% (FCF TTM 4.05b / Revenue TTM 13.7b)
Net Margin = 10.81% (Net Income TTM 1.48b / Revenue TTM 13.7b)
Gross Margin = unknown ((Revenue TTM 13.7b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.20 (Enterprise Value 17.7b / Total Assets 90.4b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 128.0m)
Taxrate = 18.30% (73.0m / 399.0m)
NOPAT = 497.3m (EBIT 608.7m * (1 - 18.30%))
Current Ratio = unknown (Total Current Assets 49.6b / Total Current Liabilities none)
Debt / Equity = 0.01 (Debt 128.0m / totalStockholderEquity, last quarter 10.4b)
Debt / EBITDA = -1.59 (Net Debt -1.05b / EBITDA 663.7m)
Debt / FCF = -0.26 (Net Debt -1.05b / FCF TTM 4.05b)
Total Stockholder Equity = 9.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.71% (Net Income 1.48b / Total Assets 90.4b)
RoE = 15.92% (Net Income TTM 1.48b / Total Stockholder Equity 9.31b)
RoCE = 4.25% (EBIT 608.7m / Capital Employed (Equity 9.31b + L.T.Debt 5.01b))
RoIC = unknown (NOPAT 497.3m, Invested Capital 0.0, EBIT 608.7m)
WACC = 7.12% (E(18.8b)/V(18.9b) * Re(7.17%) + D(128.0m)/V(18.9b) * Rd(0.0%) * (1-Tc(0.18)))
Discount Rate = 7.17% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -22.47 | Cagr: -0.03%
[DCF] Terminal Value 77.97% ; FCFF base≈3.07b ; Y1≈3.52b ; Y5≈5.18b
[DCF] Fair Price = 110.1 (EV 77.9b - Net Debt -1.05b = Equity 79.0b / Shares 717.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: 98.18 | Revenue CAGR: 6.18% | SUE: -0.62 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.44 | Chg30d=+0.00% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=1.99 | Chg30d=+0.39% | Revisions=+29% | GrowthEPS=-2.0% | GrowthRev=+3.4%
EPS next Year (2027-12-31): EPS=2.22 | Chg30d=+3.52% | Revisions=+57% | GrowthEPS=+11.6% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: +58% (up=8, down=1)