UnipolSai Assicurazioni S.p.A. Logo

UnipolSai Assicurazioni S.p.A.

US.MI

(2.5)
Stock Price

2,53 EUR

1.54% ROA

10.24% ROE

6.48x PER

Market Cap.

7.768.566.286,00 EUR

66.68% DER

3.51% Yield

5.38% NPM

UnipolSai Assicurazioni S.p.A. Stock Analysis

UnipolSai Assicurazioni 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.

UnipolSai Assicurazioni S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.97x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (38%), which means it has a small amount of debt compared to the ownership it holds

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

ROE in an average range (9.44%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.82%) 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.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (47), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 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.

9 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

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

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

UnipolSai Assicurazioni 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.

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

UnipolSai Assicurazioni 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.

UnipolSai Assicurazioni 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 15.774.400.000 14.12%
2020 13.452.400.000 -17.26%
2021 14.307.800.000 5.98%
2022 13.543.300.000 -5.64%
2023 12.380.000.000 -9.4%
2023 12.164.000.000 -1.78%
2024 10.528.000.000 -15.54%

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.

UnipolSai Assicurazioni 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%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 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.

UnipolSai Assicurazioni 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 697.500.000 14.45%
2020 623.800.000 -11.81%
2021 683.600.000 8.75%
2022 791.800.000 13.67%
2023 420.000.000 -88.52%
2023 489.000.000 14.11%
2024 558.000.000 12.37%

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.

UnipolSai Assicurazioni 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 1.351.800.000 39.03%
2020 1.032.600.000 -30.91%
2021 991.800.000 -4.11%
2022 976.700.000 -1.55%
2023 -1.836.000.000 153.2%
2023 480.000.000 482.5%
2024 -254.000.000 288.98%

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.

UnipolSai Assicurazioni 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 15.774.400.000 14.12%
2020 13.452.400.000 -17.26%
2021 14.307.800.000 5.98%
2022 13.543.300.000 -5.64%
2023 12.380.000.000 -9.4%
2023 12.164.000.000 -1.78%
2024 24.836.000.000 51.02%

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.

UnipolSai Assicurazioni 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 902.500.000 -3.36%
2020 707.400.000 -27.58%
2021 626.600.000 -12.89%
2022 525.000.000 -19.35%
2023 788.000.000 33.38%
2023 700.000.000 -12.57%
2024 1.022.000.000 31.51%

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.

UnipolSai Assicurazioni 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 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 0 0%
2023 1 0%
2024 1 100%

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.

UnipolSai Assicurazioni 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 1.300.400.000 113.67%
2013 1.754.400.000 25.88%
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%
2023 951.000.000 -18.23%
2023 244.000.000 -289.75%
2024 595.000.000 58.99%

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.

UnipolSai Assicurazioni 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 1.393.400.000 99.66%
2013 1.837.100.000 24.15%
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%
2023 1.267.000.000 -53.24%
2023 1.537.000.000 17.57%
2024 827.500.000 -85.74%

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.

UnipolSai Assicurazioni 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 93.000.000 -96.24%
2013 82.700.000 -12.45%
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%
2023 316.000.000 -158.58%
2023 1.293.000.000 75.56%
2024 232.500.000 -456.13%

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.

UnipolSai Assicurazioni S.p.A. Equity
Year Equity Growth
2003 2.723.667.000
2004 2.901.436.000 6.13%
2005 5.551.700.000 47.74%
2006 5.357.600.000 -3.62%
2007 5.274.400.000 -1.58%
2008 3.432.600.000 -53.66%
2009 3.826.200.000 10.29%
2010 4.020.800.000 4.84%
2011 3.204.500.000 -25.47%
2012 7.002.300.000 54.24%
2013 7.481.000.000 6.4%
2014 8.439.800.000 11.36%
2015 8.444.600.000 0.06%
2016 8.133.600.000 -3.82%
2017 7.453.000.000 -9.13%
2018 6.326.700.000 -17.8%
2019 8.304.600.000 23.82%
2020 9.525.300.000 12.82%
2021 9.721.500.000 2.02%
2022 7.662.300.000 -26.87%
2023 7.307.000.000 -4.86%
2023 6.923.000.000 -5.55%
2024 9.125.000.000 24.13%

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.

UnipolSai Assicurazioni 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%
2023 78.398.000.000 4.92%
2023 71.395.000.000 -9.81%
2024 80.237.000.000 11.02%

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.

UnipolSai Assicurazioni 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%
2023 66.754.000.000 -0.18%
2023 64.472.000.000 -3.54%
2024 71.112.000.000 9.34%

UnipolSai Assicurazioni S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
16.05
Net Income per Share
1.67
Price to Earning Ratio
6.48x
Price To Sales Ratio
0.68x
POCF Ratio
6.05
PFCF Ratio
49.8
Price to Book Ratio
0.95
EV to Sales
0.96
EV Over EBITDA
-12.57
EV to Operating CashFlow
8.64
EV to FreeCashFlow
70.98
Earnings Yield
0.15
FreeCashFlow Yield
0.02
Market Cap
7,77 Bil.
Enterprise Value
11,07 Bil.
Graham Number
20.66
Graham NetNet
-96.25

Income Statement Metrics

Net Income per Share
1.67
Income Quality
1.07
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.08
Net Income per EBT
0.71
EBT Per Ebit
0.55
Ebit per Revenue
0.14
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.68
Operating Profit Margin
0.14
Pretax Profit Margin
0.08
Net Profit Margin
0.05

Dividends

Dividend Yield
0.04
Dividend Yield %
3.51
Payout Ratio
0.23
Dividend Per Share
0.38

Operating Metrics

Operating Cashflow per Share
1.79
Free CashFlow per Share
0.22
Capex to Operating CashFlow
0.88
Capex to Revenue
0.1
Capex to Depreciation
1.98
Return on Invested Capital
0.14
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
-6217.33
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
-0.06
Inventory Turnover
0
Capex per Share
1.57

Balance Sheet

Cash per Share
3,07
Book Value per Share
12,74
Tangible Book Value per Share
9.26
Shareholders Equity per Share
11.36
Interest Debt per Share
7.79
Debt to Equity
0.67
Debt to Assets
0.07
Net Debt to EBITDA
-3.75
Current Ratio
19.99
Tangible Asset Value
6,63 Bil.
Net Current Asset Value
-68,99 Bil.
Invested Capital
9145000000
Working Capital
2,01 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,00 Bil.
Average Payables
25,72 Bil.
Average Inventory
0
Debt to Market Cap
0.7

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.

UnipolSai Assicurazioni S.p.A. Dividends
Year Dividends Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

UnipolSai Assicurazioni S.p.A. Profile

About UnipolSai Assicurazioni S.p.A.

UnipolSai Assicurazioni S.p.A. operates as an insurance company in Italy. The company operates through Non-Life insurance business, Life insurance business, Real Estate business, and Other Businesses segments. It provides non-life insurance products and services in the areas of motor vehicle third-party liabilities (TPL); sea, lake, and river; land vehicle hulls; accident and health; fire and other damage to property; general TPL; and other products. The company also offers life insurance products and services, such as whole and term life insurance, unit linked/indexed link policies, health, capitalization insurance, and pension funds. In addition, it engages in the reinsurance, real estate management, hotel, agricultural, and healthcare business. The company is based in Bologna, Italy. UnipolSai Assicurazioni S.p.A. is a subsidiary of Unipol Gruppo SpA.

CEO
Mr. Matteo Laterza
Employee
11.681
Address
Via Stalingrado, 45
Bologna, 40128

UnipolSai Assicurazioni S.p.A. Executives & BODs

UnipolSai Assicurazioni S.p.A. Executives & BODs
# Name Age
1 Mr. Maurizio Castellina
Manager in Charge of Financial Reporting
70
2 Fernando Vacarini
Head of Press Office
70
3 Mr. Adriano Donati
Head of Investor Relations
70
4 Giorgio Borghino
Audit & Risk Management Department Head
70
5 Alessandro Nerdi
Secretary of Board
70
6 Maria Luisa Parmigiani
Head of Sustainability
70
7 Walter Visani
Head of Ethics
70
8 Stefano Genovese
Head of Institutional Relations
70
9 Mr. Giacomo Lovati
Chief Beyond Insurance Officer
70
10 Mr. Matteo Laterza
Chief Executive Officer & Director
70

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