Unipol Gruppo Finanziario SpA (IT:UNI)
:UNI
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Unipol Gruppo Finanziario SpA
(UNI)
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Rating:79Outperform
Price Target:
€23.50
▲(8.75% Upside)
Action:ReiteratedDate:04/05/26
The score is driven primarily by improving financial performance (higher profitability, better leverage, and much stronger free cash flow) and supported by attractive valuation (low P/E and solid dividend yield). Technicals are positive overall with price above key averages and a positive MACD, but elevated Stochastic indicates the stock may be somewhat stretched in the near term.
Positive Factors
Free Cash Flow Strength
Material and sustained free cash flow growth strengthens financial flexibility: higher FCF funds dividends, debt reduction, and capital needs without relying on external financing. Over 2–6 months, this supports underwriting capacity and cushions cyclical underwriting or market shocks.
Negative Factors
Multi-year Revenue Volatility
Irregular top-line trends reduce predictability of underwriting cash flows and complicate reserve-setting and pricing. Persistent volatility can force conservative capital buffers or raise reinsurance costs, limiting earnings visibility and strategic planning over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Free Cash Flow Strength
Material and sustained free cash flow growth strengthens financial flexibility: higher FCF funds dividends, debt reduction, and capital needs without relying on external financing. Over 2–6 months, this supports underwriting capacity and cushions cyclical underwriting or market shocks.
Read all positive factors
Unipol Gruppo Finanziario SpA (UNI) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€15.49B
Dividend Yield4.15%
Average Volume (3M)1.20M
Price to Earnings (P/E)10.0
Beta (1Y)1.09
Revenue Growth6.59%
EPS Growth-2.80%
CountryIT
Employees12,191
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.39
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)1.14
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
€22.60Price Target Upside4.58% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.97
Revenue Forecast (FY)€16.21B
Unipol Gruppo Finanziario SpA Business Overview & Revenue Model
Company Description
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 Holdin...
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 | 12.95B | 11.65B | 11.12B | 6.38B | 14.31B |
| Gross Profit | 12.95B | 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
21.61
Price Trends
19.85
Positive
19.78
Positive
18.80
Positive
Market Momentum
0.39
Negative
67.45
Neutral
92.21
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 21.61 is above the 20-day moving average (MA) of 20.02, above the 50-day MA of 19.85, and above the 200-day MA of 18.80, indicating a bullish trend. The MACD of 0.39 indicates Negative momentum. The RSI at 67.45 is Neutral, neither overbought nor oversold. The STOCH value of 92.21 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | €15.49B | 9.96 | 13.26% | 4.15% | 6.59% | -2.80% | |
76 Outperform | €98.27B | 10.67 | 14.41% | 6.08% | -10.70% | 7.46% | |
71 Outperform | €13.67B | 12.65 | 26.99% | 6.35% | -5.10% | 26.87% | |
69 Neutral | €12.71B | 10.31 | 40.02% | 3.35% | 2.97% | 4.64% | |
65 Neutral | €103.32B | 10.29 | 16.32% | 4.15% | 26.99% | 10.44% | |
61 Neutral | €55.41B | 12.97 | 13.09% | 3.99% | -0.59% | 9.24% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:UNI
Unipol Gruppo Finanziario SpA
21.61
8.18
60.92%
IT:UCG
UniCredit SpA
68.52
22.86
50.06%
IT:G
Assicurazioni Generali S.p.A.
35.90
7.31
25.59%
IT:FBK
FinecoBank SpA
20.77
4.52
27.81%
IT:ISP
Intesa Sanpaolo SpA
5.66
1.71
43.14%
IT:BMED
Banca Mediolanum SpA
18.54
6.33
51.84%
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.