How does UFGS.Y's PE Ratio compare to its peers?

UFGS.Y is good value based on its Price-To-Earnings Ratio (5.4x) compared to the peer average (15.7x).

How does UFGS.Y's PE Ratio compare vs other companies in the US Insurance Industry?

UFGS.Y is good value based on its Price-To-Earnings Ratio (5.4x) compared to the US Insurance industry average (13.6x).

What is UFGS.Y'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.

Insufficient data to calculate UFGS.Y's Price-To-Earnings Fair Ratio for valuation analysis.

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

UFGS.Y ($4.73) is trading below our estimate of [[fair value]] ($8.38)

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

Insufficient data to show price forecast.

UFGS.Y Stock Overview

Provides insurance products and services primarily in Italy. More details

UFGS.Y fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	4/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 43.6% below our estimate of its fair value

Revenue is forecast to grow 13.78% per year

Earnings grew by 62.7% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 0.7% per year for the next 3 years

Shares are highly illiquid

Dividend of 4.24% is not well covered by free cash flows

Large one-off items impacting financial results

My Notes

Capture your thoughts, links and company narrative

Unipol Gruppo S.p.A. Competitors

Horace Mann Educators

NYSE:HMN

US$1.6b

American International Group

NYSE:AIG

US$45.4b

Old Republic International

NYSE:ORI

US$9.2b

AXIS Capital Holdings

NYSE:AXS

US$7.5b

Price History & Performance

Summary of share price highs, lows and changes for Unipol Gruppo
Historical stock prices
Current Share Price	€4.73
52 Week High	€4.73
52 Week Low	€4.73
Beta	1.08
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-62.67%

Recent updates

Shareholder Returns

	UFGS.Y	US Insurance	US Market
7D	0%	2.2%	2.8%
1Y	n/a	26.5%	24.5%

Return vs Industry: Insufficient data to determine how UFGS.Y performed against the US Insurance industry.

Return vs Market: Insufficient data to determine how UFGS.Y performed against the US Market.

Price Volatility

Is UFGS.Y's price volatile compared to industry and market?
UFGS.Y volatility
UFGS.Y Average Weekly Movement	n/a
Insurance Industry Average Movement	4.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.1%
10% least volatile stocks in US Market	3.1%

Stable Share Price: UFGS.Y has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine UFGS.Y's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1961	11,461	Matteo Laterza	www.unipol.it

Unipol Gruppo S.p.A., together with its subsidiaries, provides insurance products and services primarily in Italy. The company operates through Non-Life Insurance Business, Life Insurance Business, and Holding and Other Businesses segments. It offers risk cover solutions for vehicles, sports craft, and travel; home and condominiums; work related to businesses, traders, professionals, and legal protection; accident and health protection; and investments and welfare.

Unipol Gruppo S.p.A. Fundamentals Summary

How do Unipol Gruppo's earnings and revenue compare to its market cap?
UFGS.Y fundamental statistics
Market cap	US$7.01b
Earnings (TTM)	US$1.31b
Revenue (TTM)	US$12.55b

5.4x

P/E Ratio

0.6x

P/S Ratio

Is UFGS.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UFGS.Y income statement (TTM)
Revenue	€11.49b
Cost of Revenue	€9.76b
Gross Profit	€1.73b
Other Expenses	€533.00m
Earnings	€1.20b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

Nov 07, 2024

Earnings per share (EPS)	1.67
Gross Margin	15.05%
Net Profit Margin	10.41%
Debt/Equity Ratio	60.8%

How did UFGS.Y perform over the long term?

See historical performance and comparison

Dividends

4.2%

Current Dividend Yield

25%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/08/10 09:12
End of Day Share Price	2024/05/13 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Unipol Gruppo S.p.A. is covered by 18 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Francesco Previtera	Banca Akros S.p.A. (ESN)
Andrew Broadfield	Barclays
Alessia Magni	Barclays