Unipol Gruppo S.p.A., together with its subsidiaries, provides insurance and banking services primarily in Italy.
Undervalued with proven track record and pays a dividend.
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: 0Q6M's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0Q6M exceeded the UK Insurance industry which returned -38.7% over the past year.
Return vs Market: 0Q6M underperformed the UK Market which returned -25.9% over the past year.
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: 0Q6M (€3.09) is trading below our estimate of fair value (€6.41)
Significantly Below Fair Value: 0Q6M is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0Q6M is good value based on its PE Ratio (2.4x) compared to the Insurance industry average (11.8x).
PE vs Market: 0Q6M is good value based on its PE Ratio (2.4x) compared to the UK market (12.3x).
Price to Earnings Growth Ratio
PEG Ratio: 0Q6M's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0Q6M is good value based on its PB Ratio (0.3x) compared to the GB Insurance industry average (1.2x).
How is Unipol Gruppo forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0Q6M's earnings are forecast to decline over the next 3 years (-21.4% per year).
Earnings vs Market: 0Q6M's earnings are forecast to decline over the next 3 years (-21.4% per year).
High Growth Earnings: 0Q6M's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0Q6M's revenue is expected to decline over the next 3 years (-6% per year).
High Growth Revenue: 0Q6M's revenue is forecast to decline over the next 3 years (-6% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0Q6M's Return on Equity is forecast to be low in 3 years time (7.5%).
How has Unipol Gruppo performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0Q6M has high quality earnings.
Growing Profit Margin: 0Q6M's current net profit margins (5.5%) are higher than last year (5%).
Past Earnings Growth Analysis
Earnings Trend: 0Q6M's earnings have grown significantly by 32.9% per year over the past 5 years.
Accelerating Growth: 0Q6M's earnings growth over the past year (27.8%) is below its 5-year average (32.9% per year).
Earnings vs Industry: 0Q6M earnings growth over the past year (27.8%) exceeded the Insurance industry 4.5%.
Return on Equity
High ROE: 0Q6M's Return on Equity (13.1%) is considered low.
How is Unipol Gruppo's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0Q6M has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0Q6M's debt is covered by short term assets (assets are 1.3x debt).
Financial Institutions Analysis
Asset Level: 0Q6M's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if 0Q6M has a sufficient allowance for bad loans.
Low Risk Liabilities: 0Q6M reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 0Q6M has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0Q6M has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 0Q6M has an appropriate level of bad loans.
What is Unipol Gruppo's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: 0Q6M's dividend (9.09%) is higher than the bottom 25% of dividend payers in the UK market (2.65%).
High Dividend: 0Q6M's dividend (9.09%) is in the top 25% of dividend payers in the UK market (7.43%)
Stability and Growth of Payments
Stable Dividend: 0Q6M's dividend payments have been volatile in the past 10 years.
Growing Dividend: 0Q6M's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (22.2%), 0Q6M's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0Q6M's dividends in 3 years are forecast to be well covered by earnings (44.6% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Carlo Cimbri (54yo)
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: Carlo's total compensation ($USD0.00) is below average for companies of similar size in the UK market ($USD1.85M).
Compensation vs Earnings: Carlo's compensation has been consistent with company performance over the past year.
|Group CEO||10.25yrs||€2.98m||no data|
|Chairman of the Board||14.25yrs||€659.29k||no data|
|Honorary Chairman||no data||no data||no data|
|Non-Executive Director||14.25yrs||€47.00k||no data|
|Independent Director||14.25yrs||€59.00k||no data|
|Independent Director||7.25yrs||€67.00k||no data|
|Vice Chairman||1.25yrs||€52.00k||no data|
|Non-Executive Director||9.25yrs||€52.00k||no data|
|Independent Director||7.25yrs||€87.00k||no data|
|Chairman of the Board of Statutory Auditors||4.25yrs||no data||no data|
Experienced Board: 0Q6M'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.
Recent Insider Transactions
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: 0Q6M
- Exchange: LSE
- Founded: 1961
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: €2.349b
- Shares outstanding: 716.52m
- Website: https://www.unipol.it
Number of Employees
- Unipol Gruppo S.p.A.
- Via Stalingrado, 45
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|UNI||BIT (Borsa Italiana)||Yes||Common Stock||IT||EUR||Jan 1992|
|0Q6M||LSE (London Stock Exchange)||Yes||Common Stock||GB||EUR||Jan 1992|
|UPZP.F||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Jan 1992|
|UIPN||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jan 1992|
|UNIM||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Common Stock||GB||EUR||Jan 1992|
|UNI||WBAG (Wiener Boerse AG)||Yes||Common Stock||AT||EUR||Jan 1992|
|UFGS.Y||OTCPK (Pink Sheets LLC)||UNSPONSORED ADR||US||USD||Apr 2012|
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 Business, Real Estate Business, and Holding and Other Businesses segments. It offers non-life and life insurance products; and reinsurance services to small and medium sized companies through its agency network. The company also provides traditional banking, portfolio management, and other investment services; and consumer credit, including personal loans and financing services. In addition, it is involved in the management of real estate properties; operation of resorts and hotels; and agricultural and healthcare businesses. The company was formerly known as Unipol Gruppo Finanziario S.p.A. and changed its name to Unipol Gruppo S.p.A. in June 2017. Unipol Gruppo S.p.A. was founded in 1961 and is based in Bologna, Italy.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/06 22:32|
|End of Day Share Price||2020/04/06 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.