UnipolSai Assicurazioni S.p.A. operates as an insurance company in Italy.
Undervalued average dividend payer.
Share Price & News
How has UnipolSai Assicurazioni's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0Q8M's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0Q8M exceeded the UK Insurance industry which returned -26.5% over the past year.
Return vs Market: 0Q8M exceeded the UK Market which returned -22.7% over the past year.
Price Volatility Vs. Market
How volatile is UnipolSai Assicurazioni's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is UnipolSai Assicurazioni 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: 0Q8M (€2.18) is trading below our estimate of fair value (€3.17)
Significantly Below Fair Value: 0Q8M is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0Q8M is good value based on its PE Ratio (9.7x) compared to the Insurance industry average (13.2x).
PE vs Market: 0Q8M is good value based on its PE Ratio (9.7x) compared to the UK market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: 0Q8M's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0Q8M is good value based on its PB Ratio (0.9x) compared to the GB Insurance industry average (1.3x).
How is UnipolSai Assicurazioni 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: 0Q8M's earnings are forecast to decline over the next 3 years (-0.03% per year).
Earnings vs Market: 0Q8M's earnings are forecast to decline over the next 3 years (-0.03% per year).
High Growth Earnings: 0Q8M's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0Q8M's revenue is expected to decline over the next 3 years (-4.7% per year).
High Growth Revenue: 0Q8M's revenue is forecast to decline over the next 3 years (-4.7% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0Q8M's Return on Equity is forecast to be low in 3 years time (8.6%).
How has UnipolSai Assicurazioni performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0Q8M has high quality earnings.
Growing Profit Margin: 0Q8M's current net profit margins (3.9%) are lower than last year (6.7%).
Past Earnings Growth Analysis
Earnings Trend: 0Q8M's earnings have grown by 2.5% per year over the past 5 years.
Accelerating Growth: 0Q8M's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 0Q8M had negative earnings growth (-30.6%) over the past year, making it difficult to compare to the Insurance industry average (4.5%).
Return on Equity
High ROE: 0Q8M's Return on Equity (9.2%) is considered low.
How is UnipolSai Assicurazioni'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: 0Q8M has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0Q8M's debt is covered by short term assets (assets are 1.9x debt).
Financial Institutions Analysis
Asset Level: 0Q8M's level of assets compared to its equity is moderate.
Allowance for Bad Loans: Insufficient data to determine if 0Q8M has a sufficient allowance for bad loans.
Low Risk Liabilities: 0Q8M reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 0Q8M has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0Q8M has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 0Q8M has an appropriate level of bad loans.
What is UnipolSai Assicurazioni's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: 0Q8M's dividend (7.3%) is higher than the bottom 25% of dividend payers in the UK market (2.7%).
High Dividend: 0Q8M's dividend (7.3%) is in the top 25% of dividend payers in the UK market (7.3%)
Stability and Growth of Payments
Stable Dividend: 0Q8M's dividend payments have been volatile in the past 10 years.
Growing Dividend: 0Q8M's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (71%), 0Q8M's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0Q8M's dividends in 3 years are forecast to be covered by earnings (72.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Matteo Laterza (54yo)
Mr. Matteo Laterza serves as the General Manager of UnipolSai Assicurazioni S.p.A. Mr. Laterza serves as a General Manager of Insurance Business at Unipol Gruppo SpA (formerly Unipol Gruppo Finanziario S.p ...
|General Manager||3.92yrs||no data||no data|
|Manager in Charge of Financial Reporting||4.17yrs||no data||no data|
|Head of Investor Relations||no data||no data||no data|
|Risk Management Department Head||8.58yrs||no data||no data|
|Audit & Risk Management Department Head||8.58yrs||no data||no data|
|Co-General Manager & Head of Insurance||no data||no data||no data|
|Head of Sustainability||no data||no data||no data|
|Head of Ethics||no data||no data||no data|
|Head of Institutional Relations||no data||no data||no data|
|Secretary of the Board||no data||no data||no data|
Experienced Management: 0Q8M's management team is seasoned and experienced (6.4 years average tenure).
|Chairman of Statutory Auditors||4.67yrs||no data||no data|
|Vice Chairman||7.33yrs||€206.25k||no data|
|Chairman of the Board||3.92yrs||€806.25k||no data|
|Vice Chairman||3.92yrs||€560.51k||no data|
Experienced Board: 0Q8M's board of directors are considered experienced (6.9 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.
UnipolSai Assicurazioni S.p.A.'s company bio, employee growth, exchange listings and data sources
- Name: UnipolSai Assicurazioni S.p.A.
- Ticker: 0Q8M
- Exchange: LSE
- Founded: 2014
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: €6.198b
- Shares outstanding: 2.83b
- Website: https://www.unipolsai.com
Number of Employees
- UnipolSai Assicurazioni S.p.A.
- Via Stalingrado, 45
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|US||BIT (Borsa Italiana)||Yes||Ordinary Shares||IT||EUR||Nov 1980|
|SOAN||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Nov 1980|
|0Q8M||LSE (London Stock Exchange)||Yes||Ordinary Shares||GB||EUR||Nov 1980|
|UNPL.F||OTCPK (Pink Sheets LLC)||Yes||Ordinary Shares||US||USD||Nov 1980|
|USM||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Shares||GB||EUR||Nov 1980|
|US||WBAG (Wiener Boerse AG)||Yes||Ordinary Shares||AT||EUR||Nov 1980|
UnipolSai Assicurazioni S.p.A. operates as an insurance company in Italy. The company provides non-life insurance products and services in the areas of accident; health; land vehicle hulls; railway rolling stocks; aircrafts; sea, lake, and river vessels; goods in transit; fire; other damage to property; land vehicle third party liabilities (TPL); aircraft TPL; sea, lake, and river TPL; general TPL; credit; bonds; pecuniary losses; legal expenses; and assistance. It also provides life insurance products and services that include whole and term life insurance, unit linked/indexed link policies, health, capitalization insurance, and pension funds. In addition, the company engages in the bancassurance, real estate management, and hotel business. UnipolSai Assicurazioni S.p.A. was founded in 2014 and is based in Bologna, Italy. UnipolSai Assicurazioni S.p.A. is a subsidiary of Unipol Gruppo S.p.A.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/29 22:00|
|End of Day Share Price||2020/03/27 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.