UnipolSai Assicurazioni S.p.A. operates as an insurance company in Italy.
Average dividend payer and fair value.
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: US has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: US exceeded the Italian Insurance industry which returned -19.3% over the past year.
Return vs Market: US exceeded the Italian Market which returned -10.7% 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
2 weeks ago | Simply Wall StDon't Race Out To Buy UnipolSai Assicurazioni S.p.A. (BIT:US) Just Because It's Going Ex-Dividend
1 month ago | Simply Wall StA Rising Share Price Has Us Looking Closely At UnipolSai Assicurazioni S.p.A.'s (BIT:US) P/E Ratio
2 months ago | Simply Wall StIs Now An Opportune Moment To Examine UnipolSai Assicurazioni S.p.A. (BIT:US)?
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: US (€2) is trading below our estimate of fair value (€2.14)
Significantly Below Fair Value: US is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: US is good value based on its PE Ratio (8.9x) compared to the Insurance industry average (9.9x).
PE vs Market: US is good value based on its PE Ratio (8.9x) compared to the Italian market (15.9x).
Price to Earnings Growth Ratio
PEG Ratio: US is poor value based on its PEG Ratio (3.5x)
Price to Book Ratio
PB vs Industry: US is overvalued based on its PB Ratio (0.8x) compared to the IT Insurance industry average (0.8x).
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: US's forecast earnings growth (2.6% per year) is above the savings rate (2%).
Earnings vs Market: US's earnings (2.6% per year) are forecast to grow slower than the Italian market (24.3% per year).
High Growth Earnings: US's earnings are forecast to grow, but not significantly.
Revenue vs Market: US's revenue is expected to decline over the next 3 years (-2.7% per year).
High Growth Revenue: US's revenue is forecast to decline over the next 3 years (-2.7% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: US's Return on Equity is forecast to be low in 3 years time (9.6%).
How has UnipolSai Assicurazioni performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: US has high quality earnings.
Growing Profit Margin: US's current net profit margins (3.9%) are lower than last year (6.7%).
Past Earnings Growth Analysis
Earnings Trend: US's earnings have grown by 2.5% per year over the past 5 years.
Accelerating Growth: US's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: US had negative earnings growth (-30.6%) over the past year, making it difficult to compare to the Insurance industry average (7.5%).
Return on Equity
High ROE: US's Return on Equity (9.2%) is considered low.
How is UnipolSai Assicurazioni's financial position?
Financial Position Analysis
Short Term Liabilities: US's short term assets (€5.4B) do not cover its short term liabilities (€16.5B).
Long Term Liabilities: US's short term assets (€5.4B) do not cover its long term liabilities (€49.6B).
Debt to Equity History and Analysis
Debt Level: US's debt to equity ratio (41%) is considered high.
Reducing Debt: US's debt to equity ratio has increased from 32.6% to 41% over the past 5 years.
Debt Coverage: US's debt is not well covered by operating cash flow (11.8%).
Interest Coverage: US's interest payments on its debt are well covered by EBIT (9.7x coverage).
What is UnipolSai Assicurazioni's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: US's dividend (7.98%) is higher than the bottom 25% of dividend payers in the Italian market (1.99%).
High Dividend: US's dividend (7.98%) is in the top 25% of dividend payers in the Italian market (5.24%)
Stability and Growth of Payments
Stable Dividend: US's dividend payments have been volatile in the past 10 years.
Growing Dividend: US's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (71%), US's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: US's dividends in 3 years are forecast to be covered by earnings (68% 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||4yrs||no data||no data|
|Manager in Charge of Financial Reporting||4.33yrs||no data||no data|
|Head of Investor Relations||no data||no data||no data|
|Risk Management Department Head||8.75yrs||no data||no data|
|Audit & Risk Management Department Head||8.75yrs||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 Board||no data||no data||no data|
Experienced Management: US's management team is seasoned and experienced (6.5 years average tenure).
|Chairman of Statutory Auditors||4.83yrs||no data||no data|
|Vice Chairman||7.42yrs||€206.25k||no data|
|Chairman of the Board||4yrs||€806.25k||no data|
|Vice Chairman||4yrs||€560.51k||no data|
Experienced Board: US's board of directors are considered experienced (7 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: US
- Exchange: BIT
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: €5.669b
- 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 and health; land vehicle hulls; fire and other damage to property; land vehicle third party liabilities (TPL); sea, lake, and river TPL; general TPL; and other products. 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 reinsurance, real estate management, hotel, agricultural, and healthcare business. UnipolSai Assicurazioni S.p.A. 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||2020/05/31 20:52|
|End of Day Share Price||2020/05/29 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.