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Unipol Gruppo Finanziario SpA (IT:UNI)
:UNI

Unipol Gruppo Finanziario SpA (UNI) AI Stock Analysis

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Unipol Gruppo Finanziario SpA

(LSE:UNI)

69Neutral
Unipol Gruppo Finanziario SpA shows strong operational efficiency and manages its finances prudently, but declining revenue remains a significant concern. The stock's technical indicators suggest some downward pressure, yet the valuation metrics indicate it may be undervalued, offering a potentially attractive entry point for investors. The absence of recent earnings call data or significant corporate events further emphasizes the need for careful consideration of its current financial trends.

Unipol Gruppo Finanziario SpA (UNI) vs. S&P 500 (SPY)

Unipol Gruppo Finanziario SpA Business Overview & Revenue Model

Company DescriptionUnipol Gruppo Finanziario SpA (UNI) is a leading Italian financial services group headquartered in Bologna, Italy. The company operates primarily in the insurance and banking sectors, offering a comprehensive range of insurance products, including life and non-life insurance, as well as banking services. Unipol is known for its strong presence in the Italian market and provides services through a variety of distribution channels, including direct sales, brokers, and bancassurance agreements.
How the Company Makes MoneyUnipol Gruppo Finanziario SpA generates revenue primarily through its insurance and banking operations. The company's insurance segment is the largest contributor to its revenue, with premiums collected from both life and non-life insurance policies. Non-life insurance covers areas such as auto, property, health, and liability, while life insurance policies offer savings, investment, and pension products. The banking segment contributes to revenue through interest income, fees, and commissions from various financial services, including loans, mortgages, and savings accounts. Additionally, Unipol leverages strategic partnerships and bancassurance agreements to expand its distribution network and enhance its market reach, further driving its revenue growth.

Unipol Gruppo Finanziario SpA Financial Statement Overview

Summary
Unipol Gruppo Finanziario SpA demonstrates strong operational efficiency and stable profitability but faces challenges with declining revenue. The balance sheet reflects prudent financial management with manageable leverage. Cash flows are robust, but maintaining free cash flow levels will be crucial. The company must address revenue growth to sustain long-term financial health.
Income Statement
The company's revenue has declined from €15.77 billion in 2019 to €11.01 billion in 2024, showing a negative growth trajectory. However, the EBIT margin has improved significantly in 2024 to 94.86%, indicating strong operational efficiency. The net profit margin for 2024 is 9.76%, showing stable profitability despite the revenue decrease. Overall, the income statement reflects a focus on cost management and operational efficiency, but the declining revenue trend is a concern.
Balance Sheet
73
The debt-to-equity ratio in 2024 is 0.69, indicating a manageable level of leverage. The return on equity (ROE) is 11.46% for 2024, which is a healthy return for shareholders. The equity ratio stands at 11.22%, showing a moderate reliance on equity for financing. The balance sheet reflects a stable financial position with prudent leverage, but the relatively low equity ratio suggests a potential risk if liabilities were to increase significantly.
Cash Flow
Operating cash flow has increased to €2.52 billion in 2024 from €1.54 billion in 2023, showing positive cash generation. The free cash flow to net income ratio is 1.48, indicating strong cash flow relative to net income. However, free cash flow has decreased compared to the previous year. Overall, the cash flow statement shows strong operational cash generation but highlights the need for continued focus on maintaining free cash flow levels.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
11.01B12.16B13.54B14.31B13.45B
Gross Profit
11.01B11.47B13.54B14.31B13.45B
EBIT
10.44B2.26B925.60M942.10M1.03B
EBITDA
0.001.62B1.06B1.21B1.50B
Net Income Common Stockholders
1.07B1.10B525.00M626.60M707.40M
Balance SheetCash, Cash Equivalents and Short-Term Investments
1.71B1.82B43.66B52.63B53.60B
Total Assets
83.42B79.46B74.54B80.26B79.41B
Total Debt
6.50B5.02B4.61B4.28B5.22B
Net Debt
4.79B3.20B2.82B2.34B4.12B
Total Liabilities
73.80B69.66B66.88B70.54B69.88B
Stockholders Equity
9.37B8.20B6.13B7.78B7.61B
Cash FlowFree Cash Flow
0.00244.00M1.12B1.41B503.10M
Operating Cash Flow
0.001.54B1.94B1.64B708.20M
Investing Cash Flow
0.00-1.41B-2.12B594.80M-1.80B
Financing Cash Flow
0.00-111.00M40.10M-1.39B1.18B

Unipol Gruppo Finanziario SpA Technical Analysis

Technical Analysis Sentiment
Positive
Last Price16.64
Price Trends
50DMA
14.72
Positive
100DMA
13.70
Positive
200DMA
12.12
Positive
Market Momentum
MACD
0.57
Negative
RSI
72.57
Negative
STOCH
99.13
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:UNI, the sentiment is Positive. The current price of 16.64 is above the 20-day moving average (MA) of 14.78, above the 50-day MA of 14.72, and above the 200-day MA of 12.12, indicating a bullish trend. The MACD of 0.57 indicates Negative momentum. The RSI at 72.57 is Negative, neither overbought nor oversold. The STOCH value of 99.13 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:UNI.

Unipol Gruppo Finanziario SpA Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
ITUNI
69
Neutral
€11.94B10.9812.42%2.31%6.46%-2.42%
ITG
64
Neutral
€52.73B13.9012.66%3.76%12.38%-0.28%
64
Neutral
$12.51B9.817.92%16985.69%12.67%-5.98%
ITISP
61
Neutral
€84.61B9.9813.42%6.77%6.32%17.08%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IT:UNI
Unipol Gruppo Finanziario SpA
16.65
8.44
102.91%
IT:G
Assicurazioni Generali S.p.A.
33.88
11.04
48.33%
IT:ISP
Intesa Sanpaolo SpA
4.67
1.38
42.10%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.