Unipol Assicurazioni S.p.A. (UNI.MI) stock analysis

In our weekly check, Unipol Assicurazioni S.p.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 20 pass, warnings: 2, red flags: 3.

About Unipol Assicurazioni S.p.A.

Unipol Assicurazioni S.p.A. is a Financial Services company (Insurance - Diversified) based in Italy, listed on MIL as UNI.MI.

What our checks show for UNI.MI

Red flags

• The gross margin fell by 3.7 points, to 39.3%: costs are rising faster than prices.
• The stock has fallen as much as 98% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 2.7%.

Warning signs

• Analysts expect the net margin to shrink by 1.5 points from today's 10.2%.
• The stock is still below its previous peak.

Strengths

• The net margin rose by 5.8 points over 5 years, to 10.2%.
• Operating cash flow is 3.1x net profit: the profit arrives as real cash.
• Earnings per share grew 41.5% a year over the last 3 years.
• Net profit grew 41.3% a year over the last 3 years.
• Free cash flow is 27.9% of revenue: cash for dividends, buybacks or growth.
• The price is 10 times earnings (P/E), reasonable for its growth.

Similar companies

IAG.TO · NN.AS · HBAN.SW · AGS.BR · AV.L · ASRNL.AS

Questions

What grade does Unipol Assicurazioni S.p.A. (UNI.MI) have?

In our weekly check, Unipol Assicurazioni S.p.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 20 pass, warnings: 2, red flags: 3. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of UNI.MI stock?

This week's biggest flags for Unipol Assicurazioni S.p.A.: Gross margin falling, Deep past fall, Low return on capital. In total 5 of 25 checks show a warning or a red flag.

What does Unipol Assicurazioni S.p.A. do?

Unipol Assicurazioni S.p.A. is a Financial Services company (Insurance - Diversified) based in Italy, listed on MIL as UNI.MI.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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