Unipol Gruppo S.p.A.
Unipol Gruppo S.p.A. Fundamental Analysis
Unipol Gruppo S.p.A. (UFGSY) shows moderate financial fundamentals with a PE ratio of 7.89, profit margin of 9.53%, and ROE of 18.24%. The company generates $18.4B in annual revenue with weak year-over-year growth of -4.19%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 38.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze UFGSY's fundamental strength across five key dimensions:
Efficiency Score
WeakUFGSY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentUFGSY trades at attractive valuation levels.
Growth Score
WeakUFGSY faces weak or negative growth trends.
Financial Health Score
ModerateUFGSY shows balanced financial health with some risks.
Profitability Score
ModerateUFGSY maintains healthy but balanced margins.
Key Financial Metrics
Is UFGSY Expensive or Cheap?
P/E Ratio
UFGSY trades at 7.89 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UFGSY's PEG of 0.09 indicates potential undervaluation.
Price to Book
The market values Unipol Gruppo S.p.A. at 1.34 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.99 times EBITDA. This is generally considered low.
How Well Does UFGSY Make Money?
Net Profit Margin
For every $100 in sales, Unipol Gruppo S.p.A. keeps $9.53 as profit after all expenses.
Operating Margin
Core operations generate 46.56 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $18.24 in profit for every $100 of shareholder equity.
ROA
Unipol Gruppo S.p.A. generates $1.94 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Unipol Gruppo S.p.A. produces operating cash flow of $3.62B, showing steady but balanced cash generation.
Free Cash Flow
Unipol Gruppo S.p.A. generates strong free cash flow of $2.95B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.06 in free cash annually.
FCF Yield
UFGSY converts 21.43% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.89
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.09
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.34
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.75
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.59
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.18
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.10
vs 25 benchmark
How UFGSY Stacks Against Its Sector Peers
| Metric | UFGSY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.89 | 18.73 | Better (Cheaper) |
| ROE | 18.24% | 847.00% | Weak |
| Net Margin | 9.53% | 2562.00% | Weak |
| Debt/Equity | 0.59 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 1.94% | -21692.00% (disorted) | Weak |
UFGSY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Unipol Gruppo 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
-26.12%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
19.00%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
81.84%
Industry Style: Value, Dividend, Cyclical
High Growth