Unipol Gruppo S.p.A. Logo

Unipol Gruppo S.p.A.

UNI.MI

(1.5)
Stock Price

10,31 EUR

0.94% ROA

9.85% ROE

0x PER

Market Cap.

3.817.996.510,00 EUR

75.27% DER

6.95% Yield

5.72% NPM

Unipol Gruppo S.p.A. Stock Analysis

Unipol Gruppo S.p.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Unipol Gruppo S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0x), the stock offers substantial upside potential at a bargain price.

2 ROE

The stock's ROE falls within an average range (9.82%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.94%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 DER

The stock maintains a fair debt to equity ratio (75%), indicating a reasonable balance between the money it owes and the ownership it possesses.

5 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

6 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

7 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (0) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Unipol Gruppo S.p.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Unipol Gruppo S.p.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Unipol Gruppo S.p.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Unipol Gruppo S.p.A. Revenue
Year Revenue Growth
2003 8.033.800.000
2004 10.266.600.000 21.75%
2005 8.865.900.000 -15.8%
2006 9.762.500.000 9.18%
2007 9.084.400.000 -7.46%
2008 9.467.400.000 4.05%
2009 11.364.800.000 16.7%
2010 10.682.100.000 -6.39%
2011 9.681.300.000 -10.34%
2012 13.915.500.000 30.43%
2013 19.125.200.000 27.24%
2014 20.449.500.000 6.48%
2015 18.107.700.000 -12.93%
2016 16.208.600.000 -11.72%
2017 12.785.600.000 -26.77%
2018 13.546.700.000 5.62%
2019 0 0%
2019 15.774.400.000 100%
2020 13.452.400.000 -17.26%
2021 14.307.800.000 5.98%
2022 13.543.300.000 -5.64%
2023 12.164.000.000 -11.34%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Unipol Gruppo S.p.A. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Unipol Gruppo S.p.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 440.700.000 100%
2008 0 0%
2009 492.000.000 100%
2010 0 0%
2011 518.300.000 100%
2012 721.100.000 28.12%
2013 963.300.000 25.14%
2014 936.500.000 -2.86%
2015 884.900.000 -5.83%
2016 883.000.000 -0.22%
2017 920.900.000 4.12%
2018 596.700.000 -54.33%
2019 0 0%
2019 697.500.000 100%
2020 623.800.000 -11.81%
2021 683.600.000 8.75%
2022 791.800.000 13.67%
2023 489.000.000 -61.92%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Unipol Gruppo S.p.A. EBITDA
Year EBITDA Growth
2003 338.300.000
2004 506.200.000 33.17%
2005 481.800.000 -5.06%
2006 590.900.000 18.46%
2007 823.600.000 28.25%
2008 80.400.000 -924.38%
2009 685.800.000 88.28%
2010 -27.800.000 2566.91%
2011 -267.300.000 89.6%
2012 923.600.000 128.94%
2013 598.600.000 -54.29%
2014 790.900.000 24.31%
2015 915.800.000 13.64%
2016 730.600.000 -25.35%
2017 -153.100.000 577.2%
2018 824.200.000 118.58%
2019 0 0%
2019 1.351.800.000 100%
2020 1.032.600.000 -30.91%
2021 991.800.000 -4.11%
2022 976.700.000 -1.55%
2023 480.000.000 -103.48%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Unipol Gruppo S.p.A. Gross Profit
Year Gross Profit Growth
2003 8.033.800.000
2004 10.266.600.000 21.75%
2005 8.865.900.000 -15.8%
2006 9.762.500.000 9.18%
2007 9.084.400.000 -7.46%
2008 9.467.400.000 4.05%
2009 11.364.800.000 16.7%
2010 10.682.100.000 -6.39%
2011 9.681.300.000 -10.34%
2012 13.915.500.000 30.43%
2013 19.125.200.000 27.24%
2014 20.449.500.000 6.48%
2015 18.107.700.000 -12.93%
2016 16.208.600.000 -11.72%
2017 12.785.600.000 -26.77%
2018 13.546.700.000 5.62%
2019 0 0%
2019 15.774.400.000 100%
2020 13.452.400.000 -17.26%
2021 14.307.800.000 5.98%
2022 13.543.300.000 -5.64%
2023 12.164.000.000 -11.34%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Unipol Gruppo S.p.A. Net Profit
Year Net Profit Growth
2003 177.500.000
2004 272.800.000 34.93%
2005 282.700.000 3.5%
2006 361.500.000 21.8%
2007 389.200.000 7.12%
2008 161.400.000 -141.14%
2009 -1.177.800.000 113.7%
2010 269.100.000 537.68%
2011 -94.000.000 386.28%
2012 473.700.000 119.84%
2013 189.100.000 -150.5%
2014 507.400.000 62.73%
2015 578.700.000 12.32%
2016 535.000.000 -8.17%
2017 -169.100.000 416.38%
2018 932.800.000 118.13%
2019 0 0%
2019 902.500.000 100%
2020 707.400.000 -27.58%
2021 626.600.000 -12.89%
2022 525.000.000 -19.35%
2023 700.000.000 25%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Unipol Gruppo S.p.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 2
2004 5 75%
2005 4 -33.33%
2006 2 -50%
2007 3 0%
2008 2 -100%
2009 -14 107.14%
2010 3 800%
2011 -4 150%
2012 3 233.33%
2013 0 0%
2014 1 100%
2015 1 0%
2016 1 0%
2017 0 0%
2018 1 100%
2019 0 0%
2019 1 100%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Unipol Gruppo S.p.A. Free Cashflow
Year Free Cashflow Growth
2003 8.387.687.000
2004 2.826.866.000 -196.71%
2005 4.254.500.000 33.56%
2006 5.651.700.000 24.72%
2007 -422.000.000 1439.27%
2008 -214.200.000 -97.01%
2009 1.058.400.000 120.24%
2010 2.630.400.000 59.76%
2011 -177.700.000 1580.25%
2012 420.000.000 142.31%
2013 1.754.400.000 76.06%
2014 1.793.400.000 2.17%
2015 969.200.000 -85.04%
2016 1.406.900.000 31.11%
2017 -1.621.300.000 186.78%
2018 2.803.200.000 157.84%
2019 1.335.100.000 -109.96%
2020 503.100.000 -165.37%
2021 1.408.600.000 64.28%
2022 1.124.400.000 -25.28%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Unipol Gruppo S.p.A. Operating Cashflow
Year Operating Cashflow Growth
2003 8.550.086.000
2004 3.072.334.000 -178.29%
2005 4.254.500.000 27.79%
2006 5.651.700.000 24.72%
2007 -65.800.000 8689.21%
2008 -133.900.000 50.86%
2009 1.207.700.000 111.09%
2010 2.725.500.000 55.69%
2011 4.800.000 -56681.25%
2012 445.500.000 98.92%
2013 1.837.100.000 75.75%
2014 1.862.100.000 1.34%
2015 1.312.400.000 -41.89%
2016 1.868.400.000 29.76%
2017 -1.411.800.000 232.34%
2018 2.934.500.000 148.11%
2019 1.553.000.000 -88.96%
2020 708.200.000 -119.29%
2021 1.643.700.000 56.91%
2022 1.941.500.000 15.34%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Unipol Gruppo S.p.A. Capital Expenditure
Year Capital Expenditure Growth
2003 162.399.000
2004 245.468.000 33.84%
2005 0 0%
2006 0 0%
2007 356.200.000 100%
2008 80.300.000 -343.59%
2009 149.300.000 46.22%
2010 95.100.000 -56.99%
2011 182.500.000 47.89%
2012 25.500.000 -615.69%
2013 82.700.000 69.17%
2014 68.700.000 -20.38%
2015 343.200.000 79.98%
2016 461.500.000 25.63%
2017 209.500.000 -120.29%
2018 131.300.000 -59.56%
2019 217.900.000 39.74%
2020 205.100.000 -6.24%
2021 235.100.000 12.76%
2022 817.100.000 71.23%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Unipol Gruppo S.p.A. Equity
Year Equity Growth
2003 2.493.796.000
2004 2.602.928.000 4.19%
2005 5.060.600.000 48.56%
2006 4.842.400.000 -4.51%
2007 4.987.700.000 2.91%
2008 3.159.800.000 -57.85%
2009 3.585.300.000 11.87%
2010 3.648.300.000 1.73%
2011 3.078.300.000 -18.52%
2012 5.321.700.000 42.16%
2013 5.414.100.000 1.71%
2014 5.691.200.000 4.87%
2015 5.523.600.000 -3.03%
2016 5.648.800.000 2.22%
2017 5.486.100.000 -2.97%
2018 5.032.400.000 -9.02%
2019 6.687.500.000 24.75%
2020 7.613.600.000 12.16%
2021 7.780.000.000 2.14%
2022 6.130.400.000 -26.91%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Unipol Gruppo S.p.A. Assets
Year Assets Growth
2003 30.166.620.000
2004 32.939.312.000 8.42%
2005 39.604.700.000 16.83%
2006 41.134.300.000 3.72%
2007 46.199.200.000 10.96%
2008 41.228.500.000 -12.06%
2009 45.660.800.000 9.71%
2010 51.754.400.000 11.77%
2011 39.577.800.000 -30.77%
2012 83.108.800.000 52.38%
2013 84.304.300.000 1.42%
2014 88.627.300.000 4.88%
2015 89.773.300.000 1.28%
2016 91.896.900.000 2.31%
2017 89.972.900.000 -2.14%
2018 77.580.800.000 -15.97%
2019 76.101.900.000 -1.94%
2020 79.406.500.000 4.16%
2021 80.258.500.000 1.06%
2022 74.539.400.000 -7.67%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Unipol Gruppo S.p.A. Liabilities
Year Liabilities Growth
2003 198.352.000
2004 208.976.000 5.08%
2005 34.053.000.000 99.39%
2006 35.776.700.000 4.82%
2007 40.924.800.000 12.58%
2008 37.795.900.000 -8.28%
2009 41.834.600.000 9.65%
2010 361.200.000 -11482.12%
2011 36.373.300.000 99.01%
2012 76.106.500.000 52.21%
2013 76.823.300.000 0.93%
2014 80.187.500.000 4.2%
2015 81.328.700.000 1.4%
2016 83.763.300.000 2.91%
2017 82.519.900.000 -1.51%
2018 71.254.100.000 -15.81%
2019 67.797.300.000 -5.1%
2020 69.881.200.000 2.98%
2021 70.537.000.000 0.93%
2022 66.877.100.000 -5.47%

Unipol Gruppo S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0
Net Income per Share
0
Price to Earning Ratio
0x
Price To Sales Ratio
0.28x
POCF Ratio
0
PFCF Ratio
3.4
Price to Book Ratio
0
EV to Sales
0.49
EV Over EBITDA
6.79
EV to Operating CashFlow
3.42
EV to FreeCashFlow
5.9
Earnings Yield
0
FreeCashFlow Yield
0.29
Market Cap
3,82 Bil.
Enterprise Value
6,63 Bil.
Graham Number
0
Graham NetNet
0

Income Statement Metrics

Net Income per Share
0
Income Quality
1.75
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
-0
Net Income per EBT
0.71
EBT Per Ebit
-35.04
Ebit per Revenue
-0
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0.06
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
-0
Pretax Profit Margin
0.08
Net Profit Margin
0.06

Dividends

Dividend Yield
0.07
Dividend Yield %
6.95
Payout Ratio
0.31
Dividend Per Share
0.37

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
-0.42
Capex to Revenue
-0.06
Capex to Depreciation
-15.99
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
0
Interest Debt per Share
0
Debt to Equity
0.75
Debt to Assets
0.06
Net Debt to EBITDA
2.88
Current Ratio
54.17
Tangible Asset Value
5,40 Bil.
Net Current Asset Value
-23,22 Bil.
Invested Capital
0.75
Working Capital
42,85 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,00 Bil.
Average Payables
0,71 Bil.
Average Inventory
0
Debt to Market Cap
1.21

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Unipol Gruppo S.p.A. Dividends
Year Dividends Growth
1991 37
1992 37 0%
1993 37 0%
1994 39 2.63%
1995 39 0%
1996 40 5%
1997 17 -135.29%
1998 20 15%
1999 22 4.76%
2000 23 8.7%
2001 23 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2010 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2021 1 0%
2022 0 0%
2023 0 0%

Unipol Gruppo S.p.A. Profile

About Unipol Gruppo S.p.A.

Unipol Gruppo S.p.A., together with its subsidiaries, provides insurance and banking services primarily in Italy. The company operates through Non-Life Insurance Business, Life Insurance Business, Banking Business, Real Estate Business, and Holding and Other Businesses segments. It offers non-life insurance products 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. The company also provides life insurance products; and reinsurance services to individuals and legal entities through its agency network. In addition, it is involved in the management of non-performing loans; operation and management of real estate properties; operation of resorts and hotels; and agricultural, harbor, and healthcare businesses. The company was formerly known as Unipol Gruppo Finanziario S.p.A. and changed its name to Unipol Gruppo S.p.A. in June 2017. Unipol Gruppo S.p.A. was founded in 1961 and is based in Bologna, Italy.

CEO
Mr. Matteo Laterza
Employee
11.388
Address
Via Stalingrado, 45
Bologna, 40128

Unipol Gruppo S.p.A. Executives & BODs

Unipol Gruppo S.p.A. Executives & BODs
# Name Age
1 Mr. Gianluca Santi
General Manager of Business Development & Corporate Communications
70
2 Mr. Maurizio Castellina
General Manager of Administration, Controlling & Operations
70
3 Mr. Matteo Laterza
General Manager
70
4 Dr. Luca Zaccherini
Chief Financial Officer
70
5 Mr. Riccardo Baudi
Chief Investment Officer
70
6 Mr. Adriano Donati
Head of Investor Relations
70
7 P. De Collibus
Chief Legal Officer
70
8 G. A. I. Giay
Chief Human Resource Officer
70
9 R. Avesani
Chief Innovation Officer
70
10 Walter Visani
Head of Ethics
70

Unipol Gruppo S.p.A. Competitors