Unipol Assicurazioni S.p.A. UNI.MI
Composite 69/100; the shares have moved about 26% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 47/100 — a slight mark against it.
Momentum ranks 87/100 — a strong point in its favour. Growth ranks 86/100 — a strong point in its favour. Income ranks 82/100 — a strong point in its favour.
Balance-sheet strength ranks 47/100 — a slight mark against it.
What the company does Unipol Assicurazioni S.p.A. (UNI.MI) is an Italian multi-line insurer offering P&C, life, bancassurance, and adjacent services such as real estate, healthcare, and telematics. Its diversified model spans vehicle, home, accident, health, and investment products, with ancillary offerings in property services and digital health platforms.
Key financials Gross, operating, and net margins are 19.5%, 12.7%, and 13.8%, respectively. Revenue declined 2.1% while EPS grew 12.2%. The balance sheet shows debt/equity of 0.47 and net debt/EBITDA of 1.09. Dividend yield is 4.2% with a 41.9% payout ratio.
Stock health Momentum is strong: +25.30% over 3m, +50.64% over 6m, and +59.59% over 12m. RSI(14) is 58.30, indicating mild upward pressure. SIDERAVIA scores Valuation 74.6 and Momentum 85.7, but Quality is weak at 38.3.
Price vs fair value The stock trades at a discount of 24.20% to our fair-value estimate of 32.79 and a discount of 8.67% to the 12-month target of 28.70. - Trading at a 24.20% discount to fair value (our estimate 32.79) and 8.67% discount to analyst target (28.70). - Valuation metrics: P/E 13.24 (fwd 12.08), EV/EBITDA 7.69, P/B 1.93. - Weak quality score (38.3) but attractive valuation (74.6) and strong momentum (85.7). - Dividend yield 4.2% supports income appeal despite modest payout ratio.
Looking forward Forward P/E of 12.08 and PEG of 1.26 suggest moderate earnings growth expectations. Analysts’ 12-month target of 28.70 implies 9.4% upside from the current price. Execution on diversification and cost discipline will be key to closing the valuation gap.
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Data as of 2026-09-03, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.