UNIPOL SPAUNIPOL SPAU

UNIPOL SPA

12.21EURD
−0.02−0.16%
At close at Jan 10, 16:49 UTC
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UNI fundamentals

Key facts

Market capitalization‪8.69 B‬EUR
Founded1996
Employees (FY)‪12.41 K‬
CEOMatteo Laterza
About

Unipol Gruppo SpA is a financial services holding company, which engages in the insurance and banking business. The company operates through the following business segments: Non-Life Business, Life Business, Banking Business, Real Estate Business, and Holding and Other Businesses. The Non-Life Business segment provides insurance coverage for motor vehicles, property, accident, health, fire, and miscellaneous damages. The Life Business segment includes whole and term life insurance, capitalization insurance, and pension funds. The Banking Business segment specializes in loans, asset management, and mortgages. The Real Estate Business segment comprises the operations of the subsidiaries, land real estate, and Milan real estate and other activities. The Holding and Other Businesses Services segment deals with policies and management of group companies and includes hotels, medical clinics, and agricultural activities. The company was founded on January 25, 1961 and is headquartered in Bologna, Italy.

Ownership
‪‪717.32 M‬‬
Free Float shares
‪‪407.75 M‬‬ (56.84%)
Closely held shares
‪‪309.57 M‬‬ (43.16%)
Free Float shares
‪‪407.75 M‬‬ (56.84%)
Closely held shares
‪‪309.57 M‬‬ (43.16%)
Capital structure
Market cap
‪‪8.69 B‬‬
Debt
‪‪3.95 B‬‬
Minority interest
‪‪992.00 M‬‬
Enterprise value
‪‪13.63 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪8.69 B‬‬
Price to earning ratio (P/E)
7.32x
Price to sales ratio (P/S)
0.65x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
7.32x
Price to sales ratio (P/S)
0.65x
Valuation ratios
‪0.00‬
‪0.13‬
‪0.26‬
‪0.39‬
‪0.52‬
H1 '22
H2 '22
H1 '23
H2 '23
H1 '24
‪0.00‬
‪1.70‬
‪3.40‬
‪5.10‬
‪6.80‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪1.5%‬
‪4.0%‬
‪6.5%‬
‪9.0%‬
‪11.5%‬
H1 '22
H2 '22
H1 '23
H2 '23
H1 '24
‪0.00‬
‪‪2.00 B‬‬
‪‪4.00 B‬‬
‪‪6.00 B‬‬
‪‪8.00 B‬‬
Revenue
Net income
Net margin %
Revenue to profit conversion
Revenue
Total operating expenses
Op income
Non-operating income
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪1.70 B‬‬
‪‪3.40 B‬‬
‪‪5.10 B‬‬
‪‪6.80 B‬‬
Revenue
Total operating expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪1.70 B‬‬
‪‪3.40 B‬‬
‪‪5.10 B‬‬
‪‪6.80 B‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2023
Non-life Business
Life Business
Holding and Other
By country
Period: 2023
Italy

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
H1 '22
H1 '23
H2 '23
H1 '24
‪0.00‬
‪‪2.10 B‬‬
‪‪4.20 B‬‬
‪‪6.30 B‬‬
‪‪8.40 B‬‬
Actual
Estimate
Earnings
Next:Feb 13
2020
2021
2022
2023
2024
‪0.00‬
‪0.40‬
‪0.80‬
‪1.20‬
‪1.60‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
22.76%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
3.14%
Last payment
0.38
Last ex-date
May 20, 2024
Dividend history
‪5.0%‬
‪5.8%‬
‪6.6%‬
‪7.4%‬
‪8.2%‬
2019
2020
2021
2022
2023
‪0.00‬
‪0.10‬
‪0.20‬
‪0.30‬
‪0.40‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Insurance reserves, claims and premiums
H1 '22
H2 '22
H1 '23
H2 '23
H1 '24
‪0.00‬
‪‪10.00 B‬‬
‪‪20.00 B‬‬
‪‪30.00 B‬‬
‪‪40.00 B‬‬
Insurance reserves
Policy claims
Premium earned
Capital allocation analysis
H1 '22
H2 '22
H1 '23
H2 '23
H1 '24
‪0.00‬
‪90.00‬
‪180.00‬
‪270.00‬
‪360.00‬
Reserve to total capital
Unearned premium to total capital