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INDICATIVE · SAMPLE DATA
Fund   (managed entity)
UFGSY.PK58

Unipol Assicurazioni SpA

Multiline Insurance & BrokersVerified

Unipol Assicurazioni SpA has a liquidity position that is characterized by a medium risk level, with a cash and equivalents balance of EUR 1.18 billion and a free cash flow of EUR 724 million. The company's debt to equity ratio is 0.48, indicating a relatively conservative capital structure. The company's profitability is reflected in a return on equity of 14.26%, which is a strong performance, and a return on assets of 1.64%. These figures suggest that the company is effectively utilizing its equity and assets to generate returns, although the ROA is relatively low compared to the ROE. Unipol Assicurazioni SpA's revenue is primarily derived from its insurance and asset management operations, with no specific geographic concentration disclosed. The company's exposure to different segments is not detailed in the available data, but its operations are likely diversified across insurance lines and investment products. The company's growth trajectory is not explicitly detailed in the available data, but its operating income of EUR 2.06 billion and net income of EUR 1.48 billion suggest a stable performance. The outlook for the current and next fiscal years is not provided, but the company's capital expenditure of EUR -539 million indicates a focus on cost management. The risk assessment for Unipol Assicurazioni SpA indicates a medium liquidity risk and a low dilution risk. The company's net cash position is negative after subtracting total debt, which could affect its liquidity. However, the dilution risk is low, suggesting that the company is not expected to issue additional shares in the near term. Recent events and filings for Unipol Assicurazioni SpA are not detailed in the available data. The company's ESG scores indicate a strong performance in environmental and social pillars, with a governance score that is slightly lower but still above average. The ESG controversies score is 100, indicating no controversies.

30-day price · UFGSY.PK-0.46 (-3.6%)
Low$12.40High$13.57Close$12.40As of22 May, 00:00 UTC
Profile
CompanyUnipol Assicurazioni SpA
TickerUFGSY.PK
SectorFinancials
BusinessInsurance
Industry groupInsurance
IndustryMultiline Insurance & Brokers
AI analysis

Business. Unipol Assicurazioni SpA is an insurance company that provides a range of insurance and asset management services, generating revenue primarily through premiums and investment income.

Classification. Unipol Assicurazioni SpA is classified under the Financials economic sector, Insurance business sector, and Multiline Insurance & Brokers industry with a confidence level of 0.92.

Unipol Assicurazioni SpA has a liquidity position that is characterized by a medium risk level, with a cash and equivalents balance of EUR 1.18 billion and a free cash flow of EUR 724 million. The company's debt to equity ratio is 0.48, indicating a relatively conservative capital structure. The company's profitability is reflected in a return on equity of 14.26%, which is a strong performance, and a return on assets of 1.64%. These figures suggest that the company is effectively utilizing its equity and assets to generate returns, although the ROA is relatively low compared to the ROE. Unipol Assicurazioni SpA's revenue is primarily derived from its insurance and asset management operations, with no specific geographic concentration disclosed. The company's exposure to different segments is not detailed in the available data, but its operations are likely diversified across insurance lines and investment products. The company's growth trajectory is not explicitly detailed in the available data, but its operating income of EUR 2.06 billion and net income of EUR 1.48 billion suggest a stable performance. The outlook for the current and next fiscal years is not provided, but the company's capital expenditure of EUR -539 million indicates a focus on cost management. The risk assessment for Unipol Assicurazioni SpA indicates a medium liquidity risk and a low dilution risk. The company's net cash position is negative after subtracting total debt, which could affect its liquidity. However, the dilution risk is low, suggesting that the company is not expected to issue additional shares in the near term. Recent events and filings for Unipol Assicurazioni SpA are not detailed in the available data. The company's ESG scores indicate a strong performance in environmental and social pillars, with a governance score that is slightly lower but still above average. The ESG controversies score is 100, indicating no controversies.
Key takeaways
  • Unipol Assicurazioni SpA has a strong return on equity of 14.26%, indicating effective use of equity to generate returns.
  • The company's liquidity position is characterized by a medium risk level, with a cash and equivalents balance of EUR 1.18 billion.
  • The company's debt to equity ratio is 0.48, suggesting a relatively conservative capital structure.
  • The ESG scores for Unipol Assicurazioni SpA are strong, with a high score in the environment and social pillars and a moderate score in governance.
  • The company's net cash position is negative after subtracting total debt, which could affect its liquidity.
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Financial snapshot
PeriodHA-latest
CurrencyEUR
Revenue
Gross profit
Operating income$2.06B
Net income$1.48B
R&D
SG&A
D&A
SBC
Operating cash flow$4.59B
CapEx-$539.0M
Free cash flow$724.0M
Total assets$90.42B
Total liabilities$80.03B
Total equity$10.39B
Cash & equivalents$1.18B
Long-term debt$5.01B
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book$10.39B
Net cash-$3.83B
Current ratio
Debt/Equity0.5
ROA1.6%
ROE14.3%
Cash conversion3.1%
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Asset Management · cohort 27 companies
MetricUFGSY.PKActivity
Op margin10.7% medp25 0.3% · p75 28.3%
Net margin6.3% medp25 -0.8% · p75 18.8%
Gross margin47.8% medp25 32.7% · p75 78.3%
CapEx / revenue-2.6% medp25 -5.5% · p75 -0.8%
Debt / equity48.0%4.4% medp25 0.0% · p75 36.0%top quartile
Observations
IR observations
market data ESG Score80.01 (0-100, higher is better)
Environment pillar83.10 (0-100)
Social pillar83.08 (0-100)
Governance pillar75.40 (0-100)
ESG controversies score100 (0-100, higher = fewer controversies)
ESG gradeA-
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod financials
no public URL
2026-05-25 02:11 UTC#d97226cd
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 20:24 UTCJob: 23ea941f