UnipolSai Assicurazioni S.p.A.
UnipolSai Assicurazioni S.p.A. Fundamental Analysis
UnipolSai Assicurazioni S.p.A. (FDIAY) shows moderate financial fundamentals with a PE ratio of 1.24, profit margin of 33.69%, and ROE of 14.48%. The company generates $12.9B in annual revenue with weak year-over-year growth of -9.49%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 48.3/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze FDIAY's fundamental strength across five key dimensions:
Efficiency Score
WeakFDIAY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFDIAY trades at attractive valuation levels.
Growth Score
WeakFDIAY faces weak or negative growth trends.
Financial Health Score
ExcellentFDIAY maintains a strong and stable balance sheet.
Profitability Score
ModerateFDIAY maintains healthy but balanced margins.
Key Financial Metrics
Is FDIAY Expensive or Cheap?
P/E Ratio
FDIAY trades at 1.24 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FDIAY's PEG of 0.01 indicates potential undervaluation.
Price to Book
The market values UnipolSai Assicurazioni S.p.A. at 0.17 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.86 times EBITDA. This is generally considered low.
How Well Does FDIAY Make Money?
Net Profit Margin
For every $100 in sales, UnipolSai Assicurazioni S.p.A. keeps $33.69 as profit after all expenses.
Operating Margin
Core operations generate 69.22 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.48 in profit for every $100 of shareholder equity.
ROA
UnipolSai Assicurazioni S.p.A. generates $1.47 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
UnipolSai Assicurazioni S.p.A. generates strong operating cash flow of $6.07B, reflecting robust business health.
Free Cash Flow
UnipolSai Assicurazioni S.p.A. produces free cash flow of $964.25M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.36 in free cash annually.
FCF Yield
FDIAY converts 4.51% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
1.24
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.01
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.17
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.66
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.37
vs 25 benchmark
Current Ratio
Current assets to current liabilities
35.98
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How FDIAY Stacks Against Its Sector Peers
| Metric | FDIAY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 1.24 | 18.73 | Better (Cheaper) |
| ROE | 14.48% | 847.00% | Weak |
| Net Margin | 33.69% | 2562.00% | Weak |
| Debt/Equity | 0.37 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 35.98 | 674.76 | Strong Liquidity |
| ROA | 1.47% | -21692.00% (disorted) | Weak |
FDIAY outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews UnipolSai Assicurazioni S.p.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-30.20%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
19.00%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
62.07%
Industry Style: Value, Dividend, Cyclical
High Growth