UnipolSai Assicurazioni S.p.A.
UnipolSai Assicurazioni S.p.A. Fundamental Analysis
UnipolSai Assicurazioni S.p.A. (UNPLF) shows moderate financial fundamentals with a PE ratio of 1.63, profit margin of 9.90%, and ROE of 15.37%. The company generates $43.9B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 59.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze UNPLF's fundamental strength across five key dimensions:
Efficiency Score
WeakUNPLF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentUNPLF trades at attractive valuation levels.
Growth Score
ModerateUNPLF shows steady but slowing expansion.
Financial Health Score
ExcellentUNPLF maintains a strong and stable balance sheet.
Profitability Score
ModerateUNPLF maintains healthy but balanced margins.
Key Financial Metrics
Is UNPLF Expensive or Cheap?
P/E Ratio
UNPLF trades at 1.63 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UNPLF's PEG of 0.02 indicates potential undervaluation.
Price to Book
The market values UnipolSai Assicurazioni S.p.A. at 0.22 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.60 times EBITDA. This is generally considered low.
How Well Does UNPLF Make Money?
Net Profit Margin
For every $100 in sales, UnipolSai Assicurazioni S.p.A. keeps $9.90 as profit after all expenses.
Operating Margin
Core operations generate 20.35 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.37 in profit for every $100 of shareholder equity.
ROA
UnipolSai Assicurazioni S.p.A. generates $1.39 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. produces operating cash flow of $6.07B, showing steady but balanced cash generation.
Free Cash Flow
UnipolSai Assicurazioni S.p.A. generates weak or negative free cash flow of $963.95M, restricting financial flexibility.
FCF Per Share
Each share generates $0.34 in free cash annually.
FCF Yield
UNPLF converts 3.45% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
1.63
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.02
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.22
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.64
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.37
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.56
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How UNPLF Stacks Against Its Sector Peers
| Metric | UNPLF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 1.63 | 18.73 | Better (Cheaper) |
| ROE | 15.37% | 847.00% | Weak |
| Net Margin | 9.90% | 2562.00% | Weak |
| Debt/Equity | 0.37 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 1.56 | 674.76 | Neutral |
| ROA | 1.39% | -21692.00% (disorted) | Weak |
UNPLF outperforms its industry in 2 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
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical