Unipol Gruppo Valuation

Is 0Q6M undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0Q6M when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0Q6M (€11.49) is trading below our estimate of fair value (€15.7)

Significantly Below Fair Value: 0Q6M is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0Q6M?

Key metric: As 0Q6M is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0Q6M. This is calculated by dividing 0Q6M's market cap by their current earnings.
What is 0Q6M's PE Ratio?
PE Ratio6.9x
Earnings€1.20b
Market Cap€8.14b

Price to Earnings Ratio vs Peers

How does 0Q6M's PE Ratio compare to its peers?

The above table shows the PE ratio for 0Q6M vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average17.7x
AV. Aviva
10x4.3%UK£12.7b
LGEN Legal & General Group
46.3x27.5%UK£13.0b
DLG Direct Line Insurance Group
9.9x8.8%UK£3.0b
BEZ Beazley
4.8x-17.8%UK£5.0b
0Q6M Unipol Gruppo
6.9x6.5%€8.2b

Price-To-Earnings vs Peers: 0Q6M is good value based on its Price-To-Earnings Ratio (6.9x) compared to the peer average (17.7x).


Price to Earnings Ratio vs Industry

How does 0Q6M's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0Q6M 6.9xIndustry Avg. 12.0xNo. of Companies15PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0Q6M is good value based on its Price-To-Earnings Ratio (6.9x) compared to the European Insurance industry average (12x).


Price to Earnings Ratio vs Fair Ratio

What is 0Q6M's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0Q6M PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.9x
Fair PE Ratio11.4x

Price-To-Earnings vs Fair Ratio: 0Q6M is good value based on its Price-To-Earnings Ratio (6.9x) compared to the estimated Fair Price-To-Earnings Ratio (11.4x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0Q6M forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€11.52
€12.94
+12.3%
4.5%€13.60€12.00n/a5
Nov ’25€11.49
€11.40
-0.8%
8.4%€13.20€10.50n/a5
Oct ’25€10.56
€11.00
+4.2%
3.1%€11.50€10.50n/a5
Sep ’25€9.58
€10.68
+11.5%
6.8%€11.50€9.40n/a5
Aug ’25€9.57
€10.40
+8.7%
6.5%€11.50€9.40n/a5
Jul ’25€9.43
€10.40
+10.3%
6.5%€11.50€9.40n/a5
Jun ’25€9.46
€10.06
+6.4%
8.8%€11.50€8.90n/a5
May ’25€8.47
€8.72
+2.9%
5.3%€9.40€8.00n/a5
Apr ’25€7.76
€8.30
+6.9%
7.1%€8.90€7.30n/a5
Mar ’25€7.48
€8.30
+11.0%
7.1%€8.90€7.30n/a5
Feb ’25€5.69
€6.70
+17.8%
10.1%€7.50€5.80n/a5
Jan ’25€5.15
€6.70
+30.0%
10.1%€7.50€5.80n/a5
Dec ’24€5.29
€6.70
+26.7%
10.1%€7.50€5.80€11.375
Nov ’24€5.16
€6.80
+31.8%
8.6%€7.20€5.80€11.494
Oct ’24€5.13
€6.85
+33.6%
9.1%€7.40€5.80€10.564
Sep ’24€5.15
€6.62
+28.6%
9.3%€7.40€5.80€9.585
Aug ’24€5.03
€6.58
+30.9%
9.1%€7.40€5.80€9.575
Jul ’24€4.90
€6.58
+34.3%
9.1%€7.40€5.80€9.435
Jun ’24€4.72
€6.34
+34.3%
12.1%€7.40€5.15€9.466
May ’24€5.08
€6.33
+24.6%
12.0%€7.40€5.15€8.476
Apr ’24€4.76
€6.23
+30.8%
13.2%€7.40€4.86€7.766
Mar ’24€5.02
€6.11
+21.7%
13.4%€7.40€4.86€7.487
Feb ’24€4.92
€5.97
+21.4%
12.7%€7.00€4.86€5.697
Jan ’24€4.61
€5.97
+29.5%
12.7%€7.00€4.86€5.157
Dec ’23€4.83
€5.90
+22.2%
12.3%€7.00€4.90€5.298

Analyst Forecast: Target price is less than 20% higher than the current share price.


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