Unipol Assicurazioni 향후 성장

Future 기준 점검 1/6

Unipol Assicurazioni (는) 각각 연간 2.6% 및 10.9% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 1.9% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 13.3% 로 예상됩니다.

핵심 정보

2.6%

이익 성장률

1.87%

EPS 성장률

Insurance 이익 성장	5.4%
매출 성장률	10.9%
향후 자기자본이익률	13.29%
애널리스트 커버리지	Low
마지막 업데이트	13 Aug 2026

최근 향후 성장 업데이트

Recent updates

내러티브 업데이트 • Aug 17

Health And Bancassurance Expansion Will Drive Stronger Long Term Earnings Resilience

Catalysts About Unipol Assicurazioni Unipol Assicurazioni is an Italian insurance group active in Life, Non Life, health and bancassurance, with a growing contribution from banking activities. What are the underlying business or industry changes driving this perspective?

내러티브 업데이트 • Jun 22

UNI: Future Returns Will Hinge On 2026 Dividend And Stable Profit Outlook

The analyst price target for Unipol Assicurazioni has been adjusted slightly higher, from about €24.23 to approximately €25.22. Analysts attribute this change to updated fair value estimates supported by unchanged discount rate assumptions and revised profit margin and future P/E inputs.

새로운 내러티브 • Jun 12

Health And Bancassurance Momentum Will Shape Future Earnings And Capital Choices

Catalysts About Unipol Assicurazioni Unipol Assicurazioni operates in life and non life insurance, including motor, health, property and bancassurance, with exposure to both retail and corporate clients. What are the underlying business or industry changes driving this perspective?

내러티브 업데이트 • Jun 04

UNI: Future Returns Will Rely On 2026 Dividend As Key Catalyst

Analysts have nudged their price target for Unipol Assicurazioni higher from about €23.00 to around €24.23, citing updated assumptions on fair value, discount rate, revenue growth, profit margin and future P/E. What's in the News Unipol Assicurazioni announced an annual dividend of €1.12 per share.

내러티브 업데이트 • Apr 27

UNI: Future Returns Will Rely On Stable Dividend And Unchanged Core Assumptions

Analysts have kept their price target for Unipol Assicurazioni broadly unchanged at €23.0, reflecting stable assumptions on fair value, discount rate, growth and profitability in their latest models. What's in the News Unipol Assicurazioni S.p.A. announced an annual dividend of €1.12 per share, with payment scheduled for May 20, 2026.

내러티브 업데이트 • Apr 13

UNI: Future Returns Will Depend On Steady Dividend And Unchanged Core Assumptions

Analysts have reaffirmed their price target for Unipol Assicurazioni at €23.0, citing consistent assumptions on the discount rate, revenue growth, profit margin and forward P/E as the basis for keeping their view unchanged. What's in the News An annual dividend of €1.12 per share has been announced, with payment scheduled for May 20, 2026, ex date May 18, 2026, and record date May 19, 2026 (Key Developments).

내러티브 업데이트 • Mar 30

UNI: Future Returns Will Rely On Dividend Outlook And Refined Assumptions

Analysts have raised their price target on Unipol Assicurazioni from €21.77 to €23.00, citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E. What's in the News Annual dividend of €1.12 per share announced, with ex date on May 18, 2026, record date on May 19, 2026, and payment on May 20, 2026 (company event filing).

내러티브 업데이트 • Feb 08

UNI: Future Returns Will Rely On Upcoming Board Decisions And Refined Assumptions

Analysts have raised their price target for Unipol Assicurazioni from €21.17 to €21.77, citing updated assumptions on discount rates, revenue growth, profit margins and future P/E that they consider to better reflect the stock's current risk and earnings profile. What's in the News Board meeting on February 19, 2026 to review preliminary consolidated results for 2025, giving you an early look at how last year’s numbers shape up (company event calendar).

내러티브 업데이트 • Jan 25

UNI: Future Returns Will Rely On Steady Assumptions And Upcoming Board Decisions

Analysts have slightly increased their price target for Unipol Assicurazioni to €21.17 from €21.15, citing updated assumptions around fair value and future P/E multiples while keeping other key inputs broadly consistent. What's in the News Board meeting scheduled for December 18, 2025, to address the integration of the board committee and other business items (company event filing).

분석 기사 • Jan 14

Investors Don't See Light At End Of Unipol Assicurazioni S.p.A.'s (BIT:UNI) Tunnel

With a price-to-earnings (or "P/E") ratio of 12.9x Unipol Assicurazioni S.p.A. ( BIT:UNI ) may be sending bullish...

내러티브 업데이트 • Jan 10

UNI: Future Returns Will Rely On Stable Assumptions And Upcoming Governance Decisions

Analysts have kept their price target for Unipol Assicurazioni steady at €21.15, citing unchanged assumptions around fair value, discount rate, revenue growth, profit margin and future P/E in their latest update. What's in the News A board meeting is scheduled for December 18, 2025, to consider integrating the board committee structure and to review other business issues, indicating that decisions on governance organization are forthcoming (Key Developments).

내러티브 업데이트 • Dec 19

UNI: Future Performance Will Reflect Stable Assumptions And Slightly Stronger Profitability

The analyst price target for Unipol Assicurazioni has been modestly raised from €20.80 to €21.15, as analysts point to slightly stronger expected profit margins and a marginally higher future earnings multiple to support the upward revision. Valuation Changes Fair Value: risen slightly from €20.80 to €21.15 per share, reflecting a modest upward revision in the intrinsic valuation.

내러티브 업데이트 • Dec 04

UNI: Stable Assumptions And Pricing Will Guide Future Performance Outlook

Analysts have modestly raised their price target on Unipol Assicurazioni to €20.80 from €20.80, reflecting broadly unchanged assumptions on discount rate, revenue growth, profit margin, and future P E multiples that continue to support their valuation framework. Valuation Changes The fair value estimate remains unchanged at €20.80, indicating no revision to the core valuation output.

내러티브 업데이트 • Nov 20

UNI: Profitability Improvements And Discount Rate Changes Will Inform Future Performance

Analysts have raised their price target for Unipol Assicurazioni from €20.35 to €20.80, citing incremental improvements in profitability and an updated view on the company’s discount rate. Valuation Changes The Fair Value Estimate has increased slightly from €20.35 to €20.80.

내러티브 업데이트 • Nov 04

UNI: Confidence in Margins and Buyback Will Support Future Share Performance

Analysts have raised their price target for Unipol Assicurazioni from €19.42 to €20.35. This reflects modest improvements in projected fair value, a slight reduction in discount rate, and increased confidence in profit margins.

내러티브 업데이트 • Oct 21

Analysts Lift Unipol Assicurazioni Price Target as Margins and Valuation Improve Amid Buyback Update

Analysts have increased their price target for Unipol Assicurazioni from €19.20 to €19.42, citing gradual improvements in the company’s projected discount rate and profit margin outlook. What's in the News Unipol Assicurazioni completed the repurchase of 450,000 shares, representing 0.06% of the company, for €5.32 million under the buyback announced on October 14, 2024 (Key Developments).

내러티브 업데이트 • Sep 05

Digitalization And Bancassurance Partnerships Will Unlock New Insurance Opportunities

With minimal changes in both the consensus Future P/E (from 12.26x to 12.31x) and discount rate (steady at 9.04%), analysts have left their near-term valuation outlook for Unipol Assicurazioni virtually unchanged, resulting in only a marginal increase in the price target from €19.12 to €19.20. Valuation Changes Summary of Valuation Changes for Unipol Assicurazioni The Consensus Analyst Price Target remained effectively unchanged, moving only marginally from €19.12 to €19.20.

새로운 내러티브 • Nov 25

Innovative Strategies And Bancassurance Drive New Growth Horizons In Insurance Industry

Unipol Gruppo's premium increase strategy and risk reduction initiatives are set to boost revenue in motor and non-motor segments.

이익 및 매출 성장 예측

BIT:UNI - 애널리스트 향후 추정치 및 과거 재무 데이터 (EUR Millions)
날짜	매출	이익	자유현금흐름	영업현금흐름	평균 애널리스트 수
12/31/2028	19,463	1,831	N/A	N/A	1
12/31/2027	18,742	1,726	N/A	N/A	1
12/31/2026	18,133	1,596	N/A	N/A	1
6/30/2026	11,512	1,720	3,318	3,946	N/A
3/31/2026	10,918	1,493	N/A	N/A	N/A
12/31/2025	10,972	1,458	4,054	4,593	N/A
9/30/2025	10,775	1,292	3,509	4,112	N/A
6/30/2025	10,577	1,126	2,963	3,630	N/A
3/31/2025	10,504	1,088	2,278	3,074	N/A
12/31/2024	10,430	1,049	1,593	2,517	N/A
9/30/2024	11,051	1,123	875	1,900	N/A
6/30/2024	11,434	1,196	156	1,282	N/A
3/31/2024	11,451	1,149	200	1,410	N/A
12/31/2023	11,467	1,101	244	1,537	N/A
9/30/2023	10,484	839	626	1,842	N/A
6/30/2023	9,738	577	1,008	2,147	N/A
3/31/2023	9,352	551	957	1,935	N/A
12/31/2022	8,965	525	905	1,722	N/A
9/30/2022	10,231	489	1,523	2,158	N/A
6/30/2022	11,498	454	2,141	2,594	N/A
3/31/2022	13,035	540	1,775	2,119	N/A
12/31/2021	14,572	627	1,409	1,644	N/A
9/30/2021	14,442	678	919	1,117	N/A
6/30/2021	14,312	730	430	591	N/A
3/31/2021	14,054	719	467	649	N/A
12/31/2020	13,797	707	503	708	N/A
9/30/2020	14,306	734	874	1,107	N/A
6/30/2020	14,815	760	1,245	1,505	N/A
3/31/2020	15,728	831	N/A	1,529	N/A
12/31/2019	16,642	903	N/A	1,553	N/A
9/30/2019	16,081	898	N/A	2,105	N/A
6/30/2019	15,521	893	N/A	2,657	N/A
3/31/2019	14,838	800	N/A	2,796	N/A
12/31/2018	14,156	706	N/A	2,935	N/A
6/30/2018	13,865	1,363	N/A	-743	N/A
3/31/2018	13,879	884	N/A	-723	N/A
12/31/2017	13,894	405	N/A	-704	N/A
9/30/2017	14,697	-349	N/A	N/A	N/A
6/30/2017	15,048	-319	N/A	441	N/A
3/31/2017	15,482	-7	N/A	N/A	N/A
12/31/2016	16,740	330	N/A	1,868	N/A
9/30/2016	17,250	198	N/A	N/A	N/A
6/30/2016	17,468	177	N/A	2,750	N/A
3/31/2016	17,981	169	N/A	N/A	N/A
12/31/2015	18,825	272	N/A	1,312	N/A
9/30/2015	19,142	329	N/A	N/A	N/A

애널리스트 향후 성장 전망

수입 대 저축률: UNI 의 연간 예상 수익 증가율(2.6%)이 saving rate(3.4%) 미만입니다.

수익 vs 시장: UNI 의 연간 수익(2.6%)이 Italian 시장(10.1%)보다 느리게 성장할 것으로 예상됩니다.

고성장 수익: UNI 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.

수익 대 시장: UNI 의 수익(연간 10.9%)이 Italian 시장(연간 5.7%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 매출: UNI 의 수익(연간 10.9%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: UNI의 자본 수익률은 3년 후 13.3%로 낮을 것으로 예상됩니다.

성장 기업 찾아보기

기업 분석 및 재무 데이터 상태

데이터	최종 업데이트 (UTC 시간)
기업 분석	2026/08/21 19:06
종가	2026/08/21 00:00
수익	2026/06/30
연간 수익	2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지	데이터	기간	미국 소스 예시 ^*
기업 재무제표	10년	손익계산서 현금흐름표 대차대조표	SEC 양식 10-K SEC 양식 10-Q
분석가 컨센서스 추정치	+3년	재무 예측 분석가 목표주가	분석가 리서치 보고서 Blue Matrix
시장 가격	30년	주가 배당, 분할 및 기타 조치	ICE 시장 데이터 SEC 양식 S-1
지분 구조	10년	주요 주주 내부자 거래	SEC 양식 4 SEC 양식 13D
경영진	10년	리더십 팀 이사회	SEC 양식 10-K SEC 양식 DEF 14A
주요 개발	10년	회사 공시	SEC 양식 8-K

^* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.

Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.

산업 및 섹터 지표

산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.

분석가 소스

Unipol Assicurazioni S.p.A.는 16명의 분석가가 다루고 있습니다. 이 중 5명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가	기관
Francesco Previtera	Banca Akros S.p.A. (ESN)
Alessia Magni	Barclays
Michael Huttner	Berenberg

Unipol Assicurazioni 향후 성장

Future 기준 점검 1/6

핵심 정보

최근 향후 성장 업데이트

Price target increased by 9.8% to €31.50

Price target increased by 11% to €27.90

Price target increased by 9.8% to €26.60

Price target increased by 7.4% to €18.06

Price target increased by 9.0% to €17.70

Price target increased by 8.4% to €16.24

Recent updates

UNI: Capital Increase And Index Inclusion Will Shape Fairly Balanced Outlook

Price target increased by 9.8% to €31.50

Second quarter 2026 earnings released

UNI: Future Returns Will Rely On Capital Increase Plans And Index Inclusion

Price target increased by 11% to €27.90

UNI: Index Additions Will Support A Higher Future P/E

UNI: Future Returns Will Rely On Ratings Strength And 2026 Dividend Policy

Price target increased by 9.8% to €26.60

Health And Bancassurance Expansion Will Drive Stronger Long Term Earnings Resilience

UNI: Future Returns Will Hinge On 2026 Dividend And Stable Profit Outlook

Health And Bancassurance Momentum Will Shape Future Earnings And Capital Choices

Investor sentiment improves as stock rises 16%

UNI: Future Returns Will Rely On 2026 Dividend As Key Catalyst

Upcoming dividend of €1.12 per share

Full year 2025 earnings: Revenues exceed analysts expectations while EPS lags behind

UNI: Future Returns Will Rely On Stable Dividend And Unchanged Core Assumptions

UNI: Future Returns Will Depend On Steady Dividend And Unchanged Core Assumptions

UNI: Future Returns Will Rely On Dividend Outlook And Refined Assumptions

Full year 2025 earnings released: EPS: €2.03 (vs €1.47 in FY 2024)

Unipol Assicurazioni S.p.A. announces Annual dividend, payable on May 20, 2026

Full year 2025 earnings released

UNI: Future Returns Will Rely On Upcoming Board Decisions And Refined Assumptions

UNI: Future Returns Will Rely On Steady Assumptions And Upcoming Board Decisions

Now 21% undervalued

Investors Don't See Light At End Of Unipol Assicurazioni S.p.A.'s (BIT:UNI) Tunnel

Unipol Assicurazioni S.p.A. to Report Fiscal Year 2025 Results on Feb 19, 2026

UNI: Future Returns Will Rely On Stable Assumptions And Upcoming Governance Decisions

UNI: Future Performance Will Reflect Stable Assumptions And Slightly Stronger Profitability

UNI: Stable Assumptions And Pricing Will Guide Future Performance Outlook

Now 21% undervalued

UNI: Profitability Improvements And Discount Rate Changes Will Inform Future Performance

UNI: Confidence in Margins and Buyback Will Support Future Share Performance

Now 21% undervalued

Analysts Lift Unipol Assicurazioni Price Target as Margins and Valuation Improve Amid Buyback Update

Digitalization And Bancassurance Partnerships Will Unlock New Insurance Opportunities

Second quarter 2025 earnings released

BPER Banca SpA (BIT:BPE) completed the acquisition of additional 80.62% stake in Banca Popolare di Sondrio S.p.A (BIT:BPSO) from Unipol Assicurazioni S.p.A. (BIT:UNI), and others for €4.5 billion.

BPER Banca SpA (BIT:BPE) launched tender offer to acquire 19.724% stake in Banca Popolare di Sondrio S.p.A (BIT:BPSO) from Unipol Assicurazioni S.p.A. (BIT:UNI)

Price target increased by 7.4% to €18.06

Price target increased by 9.0% to €17.70

Now 22% overvalued after recent price rise

Dividend increased to €0.85

Unipol Assicurazioni S.p.A. announces Annual dividend, payable on May 21, 2025

Price target increased by 8.4% to €16.24

Investor sentiment deteriorates as stock falls 16%

Now 22% overvalued after recent price rise

Full year 2024 earnings: EPS and revenues miss analyst expectations

New major risk - Financial position

Price target increased by 12% to €14.52

Full year 2024 earnings released

BPER Banca SpA (BIT:BPE) launched a public exchange offer to acquire Banca Popolare di Sondrio S.p.A (BIT:BPSO) from Unipol Assicurazioni S.p.A. (BIT:UNI), and others for approximately €4.32 billion.

Unipol Assicurazioni S.p.A. to Report Fiscal Year 2024 Final Results on Mar 27, 2025

Now 20% undervalued

Innovative Strategies And Bancassurance Drive New Growth Horizons In Insurance Industry

Consensus EPS estimates fall by 13%

Now 24% undervalued

Price target increased by 10% to €11.80

Now 22% undervalued

First half 2024 earnings released

New major risk - Revenue and earnings growth

Price target increased by 11% to €9.72

Price target increased by 8.7% to €9.02

Upcoming dividend of €0.38 per share

Dividend increased to €0.38

Full year 2023 earnings released: EPS: €1.54 (vs €0.73 in FY 2022)

Full year 2023 earnings released

Price target increased by 13% to €7.60

Investor sentiment improves as stock rises 21%

Unipol Gruppo S.p.A. (BIT:UNI), Unipol Finance SRL, Unipolpart I S.P.A. and Unipol Investment SpA entered Framework Agreement to acquire remaining 14.75% in UnipolSai Assicurazioni S.p.A. (BIT:US) for €1.1 billion.