UNIM Stock Overview

Provides insurance products and services primarily in Italy. More details

UNIM fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	2/6
Past Performance	4/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 25% below our estimate of its fair value

Earnings are forecast to grow 6.48% per year

Earnings grew by 107.3% over the past year

Risk Analysis

Shares are highly illiquid

Large one-off items impacting financial results

Dividend of 3.22% is not well covered by free cash flows

My Notes

Capture your thoughts, links and company narrative

Unipol Gruppo S.p.A. Competitors

Aviva

LSE:AV.

UK£12.3b

Legal & General Group

LSE:LGEN

UK£13.1b

Direct Line Insurance Group

LSE:DLG

UK£3.3b

Beazley

LSE:BEZ

UK£5.1b

Price History & Performance

Summary of share price highs, lows and changes for Unipol Gruppo
Historical stock prices
Current Share Price	€11.87
52 Week High	€12.18
52 Week Low	€7.35
Beta	1.04
1 Month Change	3.99%
3 Month Change	14.92%
1 Year Change	n/a
3 Year Change	154.01%
5 Year Change	128.52%
Change since IPO	-45.30%

Recent updates

Shareholder Returns

	UNIM	GB Insurance	GB Market
7D	0%	0.0005%	-0.6%
1Y	n/a	-5.2%	2.7%

Return vs Industry: Insufficient data to determine how UNIM performed against the UK Insurance industry.

Return vs Market: Insufficient data to determine how UNIM performed against the UK Market.

Price Volatility

Is UNIM's price volatile compared to industry and market?
UNIM volatility
UNIM Average Weekly Movement	n/a
Insurance Industry Average Movement	4.2%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.5%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: UNIM's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine UNIM's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1961	11,467	Matteo Laterza	www.unipol.it

Unipol Gruppo S.p.A., together with its subsidiaries, provides insurance products and services primarily in Italy. The company operates through Non-Life Insurance Business, Life Insurance Business, and Holding and Other Businesses segments. It offers risk cover solutions for vehicles, sports craft, and travel; home and condominiums; work related to businesses, traders, professionals, and legal protection; accident and health protection; and investments and welfare.

Unipol Gruppo S.p.A. Fundamentals Summary

How do Unipol Gruppo's earnings and revenue compare to its market cap?
UNIM fundamental statistics
Market cap	€8.46b
Earnings (TTM)	€1.20b
Revenue (TTM)	€11.49b

7.1x

P/E Ratio

0.7x

P/S Ratio

Is UNIM overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UNIM income statement (TTM)
Revenue	€11.49b
Cost of Revenue	€9.76b
Gross Profit	€1.73b
Other Expenses	€533.00m
Earnings	€1.20b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.67
Gross Margin	15.05%
Net Profit Margin	10.41%
Debt/Equity Ratio	59.4%

How did UNIM perform over the long term?

See historical performance and comparison

Dividends

3.2%

Current Dividend Yield

23%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 15:29
End of Day Share Price	2024/12/12 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Unipol Gruppo S.p.A. is covered by 18 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Francesco Previtera	Banca Akros S.p.A. (ESN)
Andrew Broadfield	Barclays
Alessia Magni	Barclays

Unipol Gruppo BATS-CHIXE:UNIM Stock Report