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Unipol Gruppo Finanziario SpA
(UNI)
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Rating:77Outperform
Price Target:
€30.00
▲(33.04% Upside)
Action:Reiterated
Date:07/03/26
The score is driven primarily by strengthening financial performance (higher profitability, improving leverage, and sharply better free cash flow). Technicals are supportive with a clear uptrend, but momentum indicators are approaching overbought levels, slightly increasing near-term pullback risk. Valuation is favorable with a moderate P/E and a strong dividend yield, helping support the overall rating.
Positive Factors
Cash generation
Material improvement in operating and free cash flow strengthens Unipol's ability to fund claims, pay dividends, invest in distribution, and rebuild reserves without relying on external financing. Durable cash conversion supports capital flexibility and resilience versus underwriting cycles.
Negative Factors
Multi-year revenue volatility
Historic swings in revenue reduce predictability of premium flows and make long-term planning harder for reserve setting, reinsurance strategy and capital allocation. Persistent volatility can pressure underwriting discipline and complicate trend analysis for investors.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Material improvement in operating and free cash flow strengthens Unipol's ability to fund claims, pay dividends, invest in distribution, and rebuild reserves without relying on external financing. Durable cash conversion supports capital flexibility and resilience versus underwriting cycles.
Read all positive factors
Unipol Gruppo Finanziario SpA (UNI) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€19.06B
Dividend Yield4.15%
Average Volume (3M)1.20M
Price to Earnings (P/E)12.7
Beta (1Y)1.18
Revenue Growth4.66%
EPS Growth37.82%
CountryIT
Employees12,191
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)2.05
Shares Outstanding717,473,500
10 Day Avg. Volume1,500,802
30 Day Avg. Volume1,204,618
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)1.42
Price to Sales (P/S)1.02
P/FCF Ratio3.64
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€28.00Price Target Upside24.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.99
Revenue Forecast (FY)€16.62B
Unipol Gruppo Finanziario SpA Business Overview & Revenue Model
Company Description
Unipol Gruppo S.p.A., an Italian conglomerate established in Bologna in 1961, provides a comprehensive array of insurance and banking services, predominantly within Italy. The company's operations are structured into several divisions: Non-Life In...
How the Company Makes Money
Unipol makes money mainly through its insurance operations and, to a lesser extent, through investment income on the assets it manages to cover current and future policyholder claims.
1) Insurance underwriting (core earnings)
- P&C insurance prem...
Unipol Gruppo Finanziario SpA Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
82
Very Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 14.52B | 11.65B | 11.12B | 6.38B | 14.31B |
| Gross Profit | 14.52B | 11.88B | 11.33B | 3.51B | 12.41B |
| EBITDA | 2.25B | 1.32B | 1.62B | 926.00M | 1.16B |
| Net Income | 1.48B | 1.07B | 1.10B | 525.00M | 626.60M |
Balance Sheet | |||||
| Total Assets | 90.42B | 83.42B | 79.46B | 74.54B | 80.26B |
| Cash, Cash Equivalents and Short-Term Investments | 1.18B | 1.71B | 1.82B | 43.66B | 52.63B |
| Total Debt | 6.12B | 6.50B | 5.02B | 4.61B | 4.28B |
| Total Liabilities | 79.70B | 73.80B | 69.66B | 66.88B | 70.54B |
| Stockholders Equity | 10.39B | 9.37B | 8.20B | 6.13B | 7.78B |
Cash Flow | |||||
| Free Cash Flow | 4.05B | 1.59B | 244.00M | 1.12B | 1.41B |
| Operating Cash Flow | 4.59B | 2.52B | 1.54B | 1.94B | 1.64B |
| Investing Cash Flow | -3.15B | -2.77B | -1.41B | -2.12B | 594.80M |
| Financing Cash Flow | -1.98B | 146.00M | -111.00M | 40.10M | -1.39B |
Unipol Gruppo Finanziario SpA Technical Analysis
Positive
22.55
Price Trends
23.32
Positive
21.54
Positive
19.97
Positive
Market Momentum
0.90
Positive
67.60
Neutral
66.58
Neutral
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 22.55 is below the 20-day moving average (MA) of 25.39, below the 50-day MA of 23.32, and above the 200-day MA of 19.97, indicating a bullish trend. The MACD of 0.90 indicates Positive momentum. The RSI at 67.60 is Neutral, neither overbought nor oversold. The STOCH value of 66.58 is Neutral, 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | €16.58B | 13.01 | 26.99% | 6.35% | -45.43% | 11.12% | |
77 Outperform | €19.06B | 12.70 | 13.26% | 4.15% | 4.66% | 37.82% | |
76 Outperform | €112.86B | 11.42 | 14.41% | 6.08% | -8.72% | 8.09% | |
72 Outperform | €124.63B | 11.10 | 16.86% | 4.15% | -0.36% | 22.62% | |
69 Neutral | €14.28B | 21.60 | 40.02% | 3.35% | 0.32% | -0.89% | |
65 Neutral | €64.31B | 15.53 | 13.09% | 3.99% | -13.42% | 14.69% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:UNI
Unipol Gruppo Finanziario SpA
26.04
10.14
63.79%
IT:UCG
UniCredit SpA
80.60
25.21
45.51%
IT:G
Assicurazioni Generali S.p.A.
42.24
11.86
39.03%
IT:FBK
FinecoBank SpA
22.90
5.01
28.03%
IT:ISP
Intesa Sanpaolo SpA
6.28
1.67
36.30%
IT:BMED
Banca Mediolanum SpA
22.37
8.46
60.82%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.