Financial Ratios Unipol Assicurazioni S.p.A.

Equities

UNI

IT0004810054

Multiline Insurance & Brokers

Real-time Borsa Italiana Other stock markets 09:49:04 2026-03-05 am EST			5-day change	1st Jan Change
19.64 ^EUR	-1.23%		-7.40%	-4.52%

Mar. 03	Broad Sell-Off, Mib Worst Performer in the EU	AN
Mar. 03	DIARY - Italy to April 30	RE

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Published financial data: UNIPOL ASSICURAZIONI S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Premiums and Annuity Revenues	11.35B	11.88B	11.37B	10.21B	9.42B
Total Interest And Dividend Income	1.36B	1.26B	1.41B	88M	-80M
Gain (Loss) on Sale of Investments, Total (Rev)	438M	61.3M	45M	471M	642M
Other Revenues, Total	767M	1.37B	1.3B	700M	418M
Total Revenues	13.92B	14.57B	14.12B	11.47B	10.4B
Policy Benefits	8.84B	9.81B	8.6B	9.8B	8.58B
Policy Acquisition / Underwriting Costs, Total	1.86B	1.89B	1.98B	-	-
Selling General & Admin Expenses, Total	624M	684M	792M	489M	566M
Other Operating Expenses	1.31B	1.18B	1.54B	-1.08B	-1.04B
Total Operating Expenses	12.64B	13.57B	12.91B	9.2B	8.1B
Operating Income	1.27B	1B	1.22B	2.26B	2.3B
Interest Expense, Total	-164M	-161M	-157M	-186M	-223M
Income (Loss) on Equity Invest.	-500K	-1.6M	-300K	-	-
Currency Exchange Gains (Loss)	14.5M	45.4M	56.9M	-11M	32M
Other Non Operating Income (Expenses)	-119M	2.1M	1.9M	-10M	-44M
EBT, Excl. Unusual Items	1B	886M	1.12B	2.06B	2.06B
Gain (Loss) on Sale of Assets	5.7M	73.2M	-4M	-	-
Asset Writedown	2.5M	-42.5M	-22M	-510M	-767M
Legal Settlements	-	-	-	-	-
Other Unusual Items	13M	34.2M	16.8M	20M	21M
EBT, Incl. Unusual Items	1.03B	951M	1.11B	1.56B	1.32B
Income Tax Expense	162M	155M	243M	234M	197M
Earnings From Continuing Operations	864M	796M	866M	1.33B	1.12B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	864M	796M	866M	1.33B	1.12B
Minority Interest	-157M	-170M	-183M	-230M	-45M
Net Income - (IS)	707M	627M	683M	1.1B	1.07B
Preferred Dividend and Other Adjustments	-	-	-	-	25M
Net Income to Common Incl Extra Items	707M	627M	683M	1.1B	1.05B
Net Income to Common Excl. Extra Items	707M	627M	683M	1.1B	1.05B
Per Share Items
Net EPS - Basic	0.99	0.88	0.95	1.54	1.47
Basic EPS - Continuing Operations	0.99	0.88	0.95	1.54	1.47
Basic Weighted Average Shares Outstanding	716M	716M	715M	716M	716M
Net EPS - Diluted	0.99	0.88	0.95	1.54	1.47
Diluted EPS - Continuing Operations	0.99	0.88	0.95	1.54	1.47
Diluted Weighted Average Shares Outstanding	716M	716M	715M	716M	716M
Normalized Basic EPS	0.66	0.54	0.72	1.47	1.74
Normalized Diluted EPS	0.66	0.54	0.72	1.47	1.74
Dividend Per Share	0.28	0.58	0.37	0.38	0.85
Payout Ratio	-	64.06	31.46	24.07	27.65
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
EBITDA	1.62B	1.29B	1.54B	2.83B	3.05B
EBITA	1.27B	1B	1.22B	2.38B	2.44B
EBIT	1.27B	1B	1.22B	2.26B	2.3B
Total Revenues (As Reported)	14.32B	15.14B	14.98B	-	-
Effective Tax Rate - (Ratio)	15.76	16.26	21.89	14.95	14.97
Current Domestic Taxes	30.6M	221M	25.7M	164M	185M
Total Current Taxes	30.6M	221M	25.7M	164M	185M
Deferred Domestic Taxes	131M	-66.4M	217M	70M	12M
Total Deferred Taxes	131M	-66.4M	217M	70M	12M
Normalized Net Income	471M	384M	516M	1.05B	1.24B
Interest on Long-Term Debt	161M	159M	155M	-	-
Supplemental Operating Expense Items
General and Administrative Expenses	624M	684M	792M	489M	566M
Stock-Based Comp., Other (Total)	10.7M	10.3M	10.9M	-	3M
Total Stock-Based Compensation	10.7M	10.3M	10.9M	-	3M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Investment In Debt Securities	55.94B	52.69B	44.06B	47.35B	49.37B
Investment In Equity and Preferred Securities, Total	844M	3.01B	3.76B	3.48B	4.19B
Trading Asset Securities, Total	257M	230M	334M	72M	185M
Real Estate Owned	2.18B	2.07B	2.28B	2.3B	2.08B
Total Other Investments	8.42B	9.08B	8.82B	10.14B	11.56B
Total investments	67.64B	67.08B	59.25B	63.35B	67.38B
Cash And Equivalents	1.09B	1.94B	1.8B	1.82B	1.71B
Reinsurance Recoverable - (IS)	1B	1.04B	953M	1.06B	1.01B
Other Receivables - (Insurance Template)	3.74B	4.06B	4.86B	2.93B	2.39B
Deferred Policy Acquisition Costs - (BS)	99.2M	100M	102M	-	-
Gross Property Plant And Equipment	3.77B	4.07B	4.56B	6.44B	7.05B
Accumulated Depreciation	-1.4B	-1.55B	-1.7B	-2.25B	-2.59B
Net Property Plant And Equipment	2.37B	2.51B	2.86B	4.19B	4.47B
Goodwill	1.63B	1.63B	1.72B	1.88B	1.88B
Other Intangibles, Total	347M	412M	517M	602M	675M
Restricted Cash	258M	388M	-	-	-
Other Current Assets, Total	203M	133M	759M	336M	82M
Deferred Tax Assets Long-Term (Collected)	331M	427M	1.17B	701M	629M
Other Long-Term Assets, Total	692M	539M	540M	2.59B	3.19B
Total Assets	79.41B	80.26B	74.54B	79.46B	83.42B
Liabilities
Accounts Payable, Total	252M	318M	464M	553M	450M
Accrued Expenses, Total	138M	245M	150M	153M	107M
Insurance And Annuity Liabilities	41.84B	42.4B	38.23B	61.73B	65.14B
Unpaid Claims	10.97B	11.31B	11.36B	-	-
Unearned Premiums	3.5B	3.49B	3.27B	-	-
Reinsurance Payable - (BS)	212M	235M	276M	92M	89M
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	5.16B	4.2B	4.52B	4.88B	5.43B
Long-Term Leases	55.9M	84M	90M	137M	118M
Separate Account Liability	5.73B	6.14B	5.91B	-	-
Current Income Taxes Payable	41.1M	40.3M	13.3M	17M	34M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	486M	609M	704M	254M	126M
Pension & Other Post Retirement Benefits	58.5M	52.6M	46.2M	41M	39M
Deferred Tax Liability Non-Current	118M	115M	800K	89M	17M
Other Non Current Liabilities	1.32B	1.3B	1.84B	1.72B	2.24B
Total Liabilities	69.88B	70.54B	66.88B	69.66B	73.8B
Common Stock, Total	3.37B	3.37B	3.37B	3.36B	3.36B
Retained Earnings	1.48B	1.68B	2.14B	3.09B	3.64B
Treasury Stock	-2.7M	-1.1M	-5.5M	-4M	-14M
Comprehensive Income and Other	2.77B	2.73B	630M	1.75B	2.38B
Total Common Equity	7.61B	7.78B	6.13B	8.2B	9.37B
Minority Interest	1.91B	1.94B	1.53B	1.6B	262M
Total Equity	9.53B	9.72B	7.66B	9.8B	9.63B
Total Liabilities And Equity	79.41B	80.26B	74.54B	79.46B	83.42B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	717M	717M	716M	717M	716M
ECS Total Common Shares Outstanding	717M	717M	716M	717M	716M
Book Value / Share	10.62	10.85	8.56	11.44	12.39
Tangible Book Value	5.64B	5.74B	3.89B	5.71B	6.81B
Tangible Book Value Per Share	7.86	8	5.44	7.97	8.81
Total Debt	5.22B	4.28B	4.61B	5.02B	5.55B
Net Debt	4.12B	2.34B	2.82B	3.2B	3.84B
Minority Interest, Total (Incl. Fin. Div)	1.91B	1.94B	1.53B	1.6B	262M
Equity Method Investments, Total	-	1.21B	1.52B	1.8B	2.01B
Account Code - Inventory Valuation	3	3	3	3	3
Land - (BS)	-	-	-	71M	71M
Buildings, Total	-	-	-	2.14B	2.38B
Machinery, Total	770M	822M	869M	996M	1.07B
Full Time Employees	9.78K	9.94K	10.34K	10.51K	12.19K
Part Time Employees	2.06K	2.01K	2.03K	1.89K	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	707M	627M	683M	1.1B	1.07B
Depreciation, Depletion & Amortization	352M	286M	328M	445M	611M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	122M	143M
Total Depreciation, Depletion & Amortization	352M	286M	328M	567M	754M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-1.7B	-611M
Net (Increase) Decrease in Loans Originated / Sold - Operating	-	-	-	-	-
Change in Accounts Receivable	-50.3M	16.3M	13.6M	-	-
Change in insurance Reserves / Liabilities	-	-	-	587M	914M
Change in Other Net Operating Assets (Collected)	-82.7M	-312M	-164M	-1M	-
Other Operating Activities	-218M	1.03B	1.08B	988M	386M
Cash from Operations	708M	1.64B	1.94B	1.54B	2.52B
Capital Expenditure	-205M	-235M	-817M	-1.29B	-924M
Cash Acquisitions	1.9M	100K	-73.8M	-114M	-589M
Sale (Purchase) of Real Estate Properties (Collected)	-400M	22.4M	-266M	-24M	-45M
Investment in Marketable and Equity Securities, Total	-494M	1.08B	190M	-595M	-1.56B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-719M	-366M	-1.18B	-	-
Other Investing Activities, Total	15.8M	96.8M	24.3M	616M	353M
Cash from Investing	-1.8B	595M	-2.12B	-1.41B	-2.77B
Long-Term Debt Issued, Total	862M	-	469M	392M	505M
Total Debt Issued	862M	-	469M	392M	505M
Long-Term Debt Repaid, Total	-80M	-888M	-80M	-116M	-
Total Debt Repaid	-80M	-888M	-80M	-116M	-
Issuance of Common Stock	100K	2.2M	-	1M	-
Repurchase of Common Stock	-	-	-4M	-	-8M
Common Dividends Paid	-	-401M	-215M	-265M	-297M
Common & Preferred Stock Dividends Paid	-	-401M	-215M	-265M	-297M
Other Financing Activities, Total	398M	-107M	-130M	-123M	-54M
Cash from Financing	1.18B	-1.39B	40.1M	-111M	146M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	87.7M	844M	-137M	16M	-105M
Supplemental Items
Cash Interest Paid	-	-	-	206M	264M
Cash Income Tax Paid (Refund)	83.3M	72.4M	317M	100M	260M
Net Debt Issued / Repaid	782M	-888M	389M	276M	505M
Levered Free Cash Flow	257M	917M	-1.48B	726M	1.06B
Unlevered Free Cash Flow	359M	1.02B	-1.38B	843M	1.2B
Change In Net Working Capital	594M	-331M	1.67B	-155M	65M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.02	0.78	0.98	1.85	1.76
Return on Total Capital	5.78	4.35	5.78	10.09	9.57
Return On Equity %	9.69	8.27	9.96	14.49	11.52
Return on Common Equity	9.89	8.14	9.82	14.48	11.95
Margin Analysis
Gross Profit Margin %	23.05	19.68	25.11	14.53	17.51
SG&A Margin	4.48	4.69	5.61	4.26	5.44
EBITDA Margin %	11.68	8.83	10.93	24.67	29.34
EBITA Margin %	9.15	6.87	8.61	20.79	23.47
EBIT Margin %	9.15	6.87	8.61	19.73	22.09
Income From Continuing Operations Margin %	6.21	5.46	6.13	11.61	10.76
Net Income Margin %	5.08	4.3	4.84	9.6	10.33
Net Avail. For Common Margin %	5.08	4.3	4.84	9.6	10.09
Normalized Net Income Margin	3.39	2.64	3.65	9.19	11.96
Levered Free Cash Flow Margin	1.85	6.29	-10.49	6.34	10.24
Unlevered Free Cash Flow Margin	2.58	6.98	-9.8	7.35	11.58
Asset Turnover
Asset Turnover	0.18	0.18	0.18	0.15	0.13
Fixed Assets Turnover	5.74	5.97	5.25	3.25	2.4
Receivables Turnover (Average Receivables)	8.65	9.12	9.08	176	132.45
Short Term Liquidity
Current Ratio	0.36	0.42	0.5	5.28	5.68
Quick Ratio	0.27	0.32	0.39	3.97	4.32
Operating Cash Flow to Current Liabilities	0.05	0.1	0.12	1.44	3.12
Days Sales Outstanding (Average Receivables)	42.3	40.01	40.2	2.07	2.76
Average Days Payable Outstanding	403.87	363.28	413.52	23.13	25.26
Long Term Solvency
Total Debt/Equity	54.76	44.05	60.22	51.19	57.64
Total Debt / Total Capital	35.38	30.58	37.59	33.86	36.57
LT Debt/Equity	54.76	44.05	60.22	51.19	57.64
Long-Term Debt / Total Capital	35.38	30.58	37.59	33.86	36.57
Total Liabilities / Total Assets	88	87.89	89.72	87.67	88.46
EBIT / Interest Expense	7.79	6.22	7.76	12.16	10.3
EBITDA / Interest Expense	9.94	8	9.85	15.21	13.68
(EBITDA - Capex) / Interest Expense	8.68	6.54	4.64	8.26	9.54
Total Debt / EBITDA	3.21	3.33	2.99	1.77	1.82
Net Debt / EBITDA	2.54	1.82	1.82	1.13	1.26
Total Debt / (EBITDA - Capex)	3.67	4.07	6.35	3.27	2.61
Net Debt / (EBITDA - Capex)	2.9	2.23	3.88	2.08	1.8
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-16.37	5.62	-3.08	27.91	-0.35
Gross Profit, 1 Yr. Growth %	-5.83	-7.1	23.65	28.15	9.3
EBITDA, 1 Yr. Growth %	-24.69	-14.48	46.93	93.63	31.79
EBITA, 1 Yr. Growth %	-19.38	-13.19	21.49	69.08	7.87
EBIT, 1 Yr. Growth %	-19.38	-13.19	21.49	60.43	1.55
Earnings From Cont. Operations, 1 Yr. Growth %	-20.48	-7.86	8.75	97.19	-15.93
Net Income, 1 Yr. Growth %	-21.62	-11.42	9	109.71	-2.45
Normalized Net Income, 1 Yr. Growth %	-25.85	-18.48	34.26	68.53	17.96
Diluted EPS Before Extra, 1 Yr. Growth %	-21.63	-11.42	9.12	109.42	-4.72
Net Property, Plant and Equip., 1 Yr. Growth %	-4.77	6.29	13.79	45.99	6.69
Accounts Receivable, 1 Yr. Growth %	1.8	-5.69	1.3	16.67	23.81
Total Assets, 1 Yr. Growth %	4.34	1.07	-7.13	8.81	4.99
Common Equity, 1 Yr. Growth %	13.85	2.19	-21.2	16.9	14.26
Tangible Book Value, 1 Yr. Growth %	18.26	1.8	-32.13	19.6	19.19
Cash From Operations, 1 Yr. Growth %	-54.4	132.1	18.12	-10.74	63.76
Capital Expenditures, 1 Yr. Growth %	-5.87	14.63	247.55	58.26	-28.54
Levered Free Cash Flow, 1 Yr. Growth %	-84.24	-638.93	-263.32	-105.01	9.21
Unlevered Free Cash Flow, 1 Yr. Growth %	-79.31	-1.6K	-237.32	-105.85	10.35
Dividend Per Share, 1 Yr. Growth %	0	107.14	-36.21	2.7	123.68
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-0.85	-6.43	1.18	-11.29	7.7
Gross Profit, 2 Yr. CAGR %	5.65	-8.24	7.18	-23.79	18.35
EBITDA, 2 Yr. CAGR %	2.95	-22.78	1.28	64.1	44.51
EBITA, 2 Yr. CAGR %	-4.49	-20.39	2.7	54.34	31.55
EBIT, 2 Yr. CAGR %	-4.49	-20.39	2.7	50.34	27.64
Earnings From Cont. Operations, 2 Yr. CAGR %	-3.75	-14.4	0.1	29.29	28.75
Net Income, 2 Yr. CAGR %	32.75	-16.68	-1.74	32.56	43.03
Normalized Net Income, 2 Yr. CAGR %	-6.72	-22.26	4.61	65.68	41
Diluted EPS Before Extra, 2 Yr. CAGR %	-0.08	-16.68	-1.68	32.56	41.26
Net Property, Plant and Equip., 2 Yr. CAGR %	11.96	0.61	9.98	29.04	24.8
Accounts Receivable, 2 Yr. CAGR %	4.19	-2.02	-2.26	-78.77	20.18
Total Assets, 2 Yr. CAGR %	1.17	2.69	-3.11	-0.5	6.88
Common Equity, 2 Yr. CAGR %	23	7.86	-10.27	2.64	15.57
Tangible Book Value, 2 Yr. CAGR %	32.62	9.72	-16.88	-0.22	19.39
Cash From Operations, 2 Yr. CAGR %	-50.87	2.88	65.57	-3.3	20.9
Capital Expenditures, 2 Yr. CAGR %	24.98	3.87	99.6	134.52	6.35
Levered Free Cash Flow, 2 Yr. CAGR %	-36.57	-24.98	195.1	-10.53	-72.91
Unlevered Free Cash Flow, 2 Yr. CAGR %	-17.84	-23.42	351.17	-8.56	-71.09
Dividend Per Share, 2 Yr. CAGR %	24.72	43.92	14.95	-19.06	51.57
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	0.06	0.97	-5.32	-5.98	-10.64
Gross Profit, 3 Yr. CAGR %	9.12	-0.06	1.35	-18.59	-14.05
EBITDA, 3 Yr. CAGR %	18.84	-5.68	-10.57	23.43	42.68
EBITA, 3 Yr. CAGR %	10.79	-10.5	-8.35	27.4	34.59
EBIT, 3 Yr. CAGR %	10.79	-10.5	-8.35	25.19	31.91
Earnings From Cont. Operations, 3 Yr. CAGR %	14.11	-5.14	-7.29	15.49	12.01
Net Income, 3 Yr. CAGR %	26.94	16	-8.87	15.89	19.68
Normalized Net Income, 3 Yr. CAGR %	12.43	-10.82	-6.73	30.8	47.95
Diluted EPS Before Extra, 3 Yr. CAGR %	20.12	-4.02	-8.84	15.89	18.74
Net Property, Plant and Equip., 3 Yr. CAGR %	8.12	10.04	4.83	20.96	21.11
Accounts Receivable, 3 Yr. CAGR %	1.3	0.79	-0.92	-65.1	-61.79
Total Assets, 3 Yr. CAGR %	-4.08	1.14	-0.69	0.02	1.3
Common Equity, 3 Yr. CAGR %	11.54	15.63	-2.86	2.49	6.38
Tangible Book Value, 3 Yr. CAGR %	15.23	21.43	-6.51	0.45	5.87
Cash From Operations, 3 Yr. CAGR %	0.2	-17.57	7.73	29.47	15.26
Capital Expenditures, 3 Yr. CAGR %	-0.71	21.43	55.36	84.73	57.81
Levered Free Cash Flow, 3 Yr. CAGR %	6.13	12.84	-3.11	62.22	5.45
Unlevered Free Cash Flow, 3 Yr. CAGR %	40.3	24.14	-7.26	131.42	6.09
Dividend Per Share, 3 Yr. CAGR %	15.87	47.7	9.74	10.72	13.59
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-5.86	-2.74	0.33	-4.13	-8.98
Gross Profit, 5 Yr. CAGR %	-0.71	0.2	7.51	-10.33	-11.77
EBITDA, 5 Yr. CAGR %	3.9	4.46	9.77	13.03	7.17
EBITA, 5 Yr. CAGR %	-0.48	0.05	5.36	11.3	9.09
EBIT, 5 Yr. CAGR %	-0.48	0.05	5.36	10.14	7.78
Earnings From Cont. Operations, 5 Yr. CAGR %	8.34	8.28	8.29	7.37	0.59
Net Income, 5 Yr. CAGR %	21.08	13.71	14.58	22.36	3.54
Normalized Net Income, 5 Yr. CAGR %	6.68	6.62	9.23	14.26	14.37
Diluted EPS Before Extra, 5 Yr. CAGR %	20.8	13.47	10.87	9.22	3.05
Net Property, Plant and Equip., 5 Yr. CAGR %	6.13	5.92	8.86	17.28	12.45
Accounts Receivable, 5 Yr. CAGR %	-1.44	-1.37	-0.14	-45.95	-44.31
Total Assets, 5 Yr. CAGR %	-2.42	-2.67	-3.69	0.48	1.85
Common Equity, 5 Yr. CAGR %	6.63	6.61	2.25	10.25	6.97
Tangible Book Value, 5 Yr. CAGR %	8.4	8.19	1.12	12.26	7.39
Cash From Operations, 5 Yr. CAGR %	-11.61	-2.53	22.49	-12.13	10.14
Capital Expenditures, 5 Yr. CAGR %	-9.78	-12.62	31.29	58	33.5
Levered Free Cash Flow, 5 Yr. CAGR %	-17.52	9.59	47.14	2.62	-8.17
Unlevered Free Cash Flow, 5 Yr. CAGR %	-6.68	18.44	60.49	9.64	-7.06
Dividend Per Share, 5 Yr. CAGR %	9.24	26.37	15.5	16.12	24.87