Unipol Gruppo S.p.A., together with its subsidiaries, provides insurance and banking services primarily in Italy. More Details
Undervalued average dividend payer.
Share Price & News
How has Unipol Gruppo's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: Insufficient data to determine UNIM's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine UNIM's volatility change over the past year.
7 Day Return
1 Year Return
Return vs Industry: UNIM exceeded the UK Insurance industry which returned 38.6% over the past year.
Return vs Market: UNIM exceeded the UK Market which returned 24% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Unipol Gruppo's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Unipol Gruppo undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UNIM (€4.81) is trading below our estimate of fair value (€9.84)
Significantly Below Fair Value: UNIM is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: UNIM is good value based on its PE Ratio (4.7x) compared to the GB Insurance industry average (14.8x).
PE vs Market: UNIM is good value based on its PE Ratio (4.7x) compared to the UK market (25.7x).
Price to Earnings Growth Ratio
PEG Ratio: UNIM's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: UNIM is good value based on its PB Ratio (0.4x) compared to the GB Insurance industry average (1.4x).
How is Unipol Gruppo forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UNIM's earnings are forecast to decline over the next 3 years (-4.8% per year).
Earnings vs Market: UNIM's earnings are forecast to decline over the next 3 years (-4.8% per year).
High Growth Earnings: UNIM's earnings are forecast to decline over the next 3 years.
Revenue vs Market: UNIM's revenue is expected to decline over the next 3 years (-2.4% per year).
High Growth Revenue: UNIM's revenue is forecast to decline over the next 3 years (-2.4% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: UNIM's Return on Equity is forecast to be low in 3 years time (6.6%).
How has Unipol Gruppo performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UNIM has high quality earnings.
Growing Profit Margin: UNIM's current net profit margins (5.1%) are lower than last year (5.4%).
Past Earnings Growth Analysis
Earnings Trend: UNIM's earnings have grown significantly by 31.1% per year over the past 5 years.
Accelerating Growth: UNIM's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UNIM had negative earnings growth (-21.6%) over the past year, making it difficult to compare to the Insurance industry average (-13%).
Return on Equity
High ROE: UNIM's Return on Equity (9.1%) is considered low.
How is Unipol Gruppo's financial position?
Financial Position Analysis
Short Term Liabilities: UNIM's short term assets (€5.6B) do not cover its short term liabilities (€15.6B).
Long Term Liabilities: UNIM's short term assets (€5.6B) do not cover its long term liabilities (€54.3B).
Debt to Equity History and Analysis
Debt Level: UNIM's debt to equity ratio (54.2%) is considered high.
Reducing Debt: UNIM's debt to equity ratio has reduced from 83.7% to 54.2% over the past 5 years.
Debt Coverage: UNIM's debt is not well covered by operating cash flow (13.7%).
Interest Coverage: UNIM's interest payments on its debt are well covered by EBIT (7.8x coverage).
What is Unipol Gruppo current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: UNIM's dividend (6.03%) is higher than the bottom 25% of dividend payers in the UK market (1.39%).
High Dividend: UNIM's dividend (6.03%) is in the top 25% of dividend payers in the UK market (4.19%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, UNIM has been paying a dividend for less than 10 years.
Growing Dividend: UNIM's dividend payments have increased, but the company has only paid a dividend for 8 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (28.3%), UNIM's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: UNIM's dividends in 3 years are forecast to be well covered by earnings (37.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Carlo Cimbri (55 yo)
Mr. Carlo Cimbri has been the Chief Executive Officer of Fondiaria-SAI S.p.A since November 2012. Mr. Cimbri has been the Chief Executive Officer of Unipol Gruppo Finanziario S.p.A. since April 29, 2010 an...
CEO Compensation Analysis
Compensation vs Market: Insufficient data to establish whether Carlo's total compensation is reasonable compared to companies of similar size in the UK market.
Compensation vs Earnings: Carlo's compensation has been consistent with company performance over the past year.
Experienced Board: UNIM's board of directors are considered experienced (8.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Unipol Gruppo S.p.A.'s company bio, employee growth, exchange listings and data sources
- Name: Unipol Gruppo S.p.A.
- Ticker: UNIM
- Exchange: BATS-CHIXE
- Founded: 1961
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: €3.326b
- Shares outstanding: 716.70m
- Website: https://www.unipol.it
Number of Employees
- Unipol Gruppo S.p.A.
- Via Stalingrado, 45
Unipol Gruppo S.p.A., together with its subsidiaries, provides insurance and banking services primarily in Italy. The company operates through Non-Life Insurance Business, Life Insurance Business, Banking ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/04/10 17:59|
|End of Day Share Price||2021/04/07 00:00|
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.