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Unipol Gruppo Finanziario SpA
(UNI)
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Rating:77Outperform
Price Target:
€30.00
▲(11.11% 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
€20.41B
Dividend Yield3.86%
Average Volume (3M)1.20M
Price to Earnings (P/E)11.8
Beta (1Y)1.17
Revenue Growth6.94%
EPS Growth51.57%
CountryIT
Employees13,187
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)2.46
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 Upside3.70% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.15
Revenue Forecast (FY)€17.69B
Unipol Gruppo Finanziario SpA Business Overview & Revenue Model
Company Description
Unipol Gruppo is a leading Italian insurance group, primarily focused on the non-life business, with significant market share in the motor vehicle and health sectors. It provides an integrated offering of insurance products and operates mainly thr...
How the Company Makes Money
Unipol Gruppo Finanziario makes money mainly through its insurance operations. In property & casualty (P&C), it earns revenue from gross written premiums paid by policyholders for coverage (e.g., motor and other non-life lines). It then pays claim...
Unipol Gruppo Finanziario SpA Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 13.71B | 14.52B | 11.65B | 11.12B | 6.38B | 14.31B |
| Gross Profit | 9.30B | 14.52B | 11.88B | 11.33B | 3.51B | 12.41B |
| EBITDA | 2.65B | 2.25B | 1.32B | 1.62B | 926.00M | 1.16B |
| Net Income | 1.76B | 1.48B | 1.07B | 1.10B | 525.00M | 626.60M |
Balance Sheet | ||||||
| Total Assets | 93.18B | 90.42B | 83.42B | 79.46B | 74.54B | 80.26B |
| Cash, Cash Equivalents and Short-Term Investments | 51.91B | 1.18B | 1.71B | 1.82B | 43.66B | 52.63B |
| Total Debt | 4.82B | 6.12B | 6.50B | 5.02B | 4.61B | 4.28B |
| Total Liabilities | 81.37B | 79.70B | 73.80B | 69.66B | 66.88B | 70.54B |
| Stockholders Equity | 11.50B | 10.39B | 9.37B | 8.20B | 6.13B | 7.78B |
Cash Flow | ||||||
| Free Cash Flow | 3.59B | 4.05B | 1.59B | 244.00M | 1.12B | 1.41B |
| Operating Cash Flow | 4.22B | 4.59B | 2.52B | 1.54B | 1.94B | 1.64B |
| Investing Cash Flow | -3.83B | -3.15B | -2.77B | -1.41B | -2.12B | 594.80M |
| Financing Cash Flow | -277.00M | -1.98B | 146.00M | -111.00M | 40.10M | -1.39B |
Unipol Gruppo Finanziario SpA Technical Analysis
Positive
27.00
Price Trends
25.65
Positive
23.15
Positive
20.90
Positive
Market Momentum
0.92
Negative
71.96
Negative
81.09
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 27 is below the 20-day moving average (MA) of 27.36, above the 50-day MA of 25.65, and above the 200-day MA of 20.90, indicating a bullish trend. The MACD of 0.92 indicates Negative momentum. The RSI at 71.96 is Negative, neither overbought nor oversold. The STOCH value of 81.09 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | €15.05B | 22.23 | 26.08% | 3.33% | 5.03% | 2.95% | |
77 Outperform | €20.41B | 11.80 | 14.96% | 4.15% | 6.94% | 51.57% | |
76 Outperform | €120.72B | 12.24 | 15.77% | 5.84% | -15.86% | 7.97% | |
76 Outperform | €127.93B | 12.04 | 16.15% | 3.92% | 2.06% | 8.72% | |
76 Outperform | €17.80B | 13.65 | 28.43% | 5.50% | -33.50% | 14.56% | |
65 Neutral | €67.26B | 14.84 | 10.02% | 3.82% | -8.06% | 21.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:UNI
Unipol Gruppo Finanziario SpA
29.03
11.67
67.18%
IT:UCG
UniCredit SpA
84.75
19.53
29.94%
IT:G
Assicurazioni Generali S.p.A.
44.38
12.31
38.39%
IT:FBK
FinecoBank SpA
24.45
6.43
35.67%
IT:ISP
Intesa Sanpaolo SpA
6.86
1.78
35.05%
IT:BMED
Banca Mediolanum SpA
24.16
8.53
54.56%
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.