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    Insurance - Diversified
UnipolSai Assicurazioni S.p.A.

UnipolSai Assicurazioni S.p.A.

FDIAY
UnipolSai Assicurazioni S.p.A.US flagOther OTC
9.02
USD
- -
- -
6.38BMarket Cap
UnipolSai Assicurazioni S.p.A.
FDIAY
(Other OTC)

Recent

price

9.02

P/E

ratio

- -

div

yld

- -

ROIC.AI

2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
TTM
FRC
671.64
799.25
813.62
532.91
127.93
49.63
33.08
25.25
19.53
18.31
18.88
22.69
19.17
20.19
3.24
- -
19.19
Revenue per Share
4.76
-21.3
-39.25
-26.66
-8.55
1.25
1.32
1.15
0.72
0.73
1.3
0.9
1.16
0.97
0.59
- -
0.7
Basic EPS, GAAP
-56.33
60.87
125.25
-33.27
0.25
2.53
2.87
0.09
0.32
0.58
0.25
0.18
1.16
2.54
2.42
- -
- -
Free Cash Flow per Basic Share
10.2
6.36
3.69
- -
- -
- -
1
0.78
0.6
0.5
0.58
0.58
0.64
0.76
0.8
- -
- -
Dividend per Share
169.64
154.21
150.01
-3.34
5.07
6.45
4.87
4.43
3.64
3.66
4.23
3.82
4.03
3.85
3.47
- -
3.58
Book Value per Share
104.56
98.68
52.44
4.35
18.27
11.05
10.37
9.47
8.4
7.93
7
8.98
10.22
10.28
7.94
- -
8.26
Tangible Book Value per Share
19
18
18
22
88
230
562
620
694
694
695
697
707
707
707
- -
706
Basic Weighted Avg Shares
12,814
14,693
14,932
11,496
11,222
11,421
18,595
15,643
13,552
12,697
13,118
15,807
13,554
14,278
2,293
3,268
13,552
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
58
55
40
- -
- -
- -
36
35
34
38
52
51
52
- -
Depreciation Expense
91
-392
-718
-567
-750
288
740
711
497
504
905
628
820
688
418
700
497
Net Income, GAAP
47.98
- -
- -
- -
- -
41.85
31.04
29.33
22.52
29.39
21.26
25
23.74
19.19
32.66
24.83
22.52
Effective Tax Rate (%)
0.71
-2.66
-4.81
-4.93
-6.68
2.53
3.98
4.55
3.67
3.97
6.9
3.97
6.05
4.82
18.23
21.42
3.67
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
2,203
1,279
1,257
1,170
2,163
2,145
2,315
2,324
2,547
2,727
2,541
1,924
2,171
3,064
2,315
LT Debt
3,895
3,711
2,550
1,557
2,763
3,066
6,635
6,614
6,535
6,194
5,697
7,153
8,144
8,234
6,733
7,307
6,535
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
2.09
- -
- -
- -
- -
7.96
17.68
14.32
10.14
10.2
17.19
11.87
15.22
13.63
7.54
11.56
10.14
Return on Capital (%)
2.7
-12.9
-25.78
- -
- -
29.92
35.06
25.97
18.87
19.91
33.08
22.44
29.76
24.72
16.17
27.03
18.87
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'16
Sep'16
Dec'16
ST Debt
- -
- -
- -
LT Borrowings
2,124
2,015
2,315
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,776
2,776
2,823
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Jun'16
Sep'16
Dec'16
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
44,635
45,102
43,832
Accounts Receivable, Net
1,381
977
1,702
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.24%
6.16%
8.53%
Free Cash Flow
104.85%
132.48%
35.41%
Net Income, GAAP
21.55%
2.42%
67.46%
Sales/Revenue/Turnover
0.08%
-5.97%
42.52%
Total Cash Common Dividend
- -
5.24%
-9.75%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
14,278
2022
- -
- -
- -
- -
2,293
2023
- -
- -
- -
- -
3,268

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
0.97
2022
- -
- -
- -
- -
0.59
2023
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
0.76
2022
- -
- -
- -
- -
0.8
2023
- -
- -
- -
- -
- -
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Business
UnipolSai Assicurazioni S.p.A. (Ticker: FDIAY) operates as a leading Italian insurance company within the Unipol Group, providing a comprehensive range of non-life and life insurance products and services primarily to individuals, households, and businesses across Italy. The company offers motor vehicle third-party liability and comprehensive coverage, including telematics-based policies through black box technology; property insurance for homes, condominiums, and real estate; accident, health, and personal protection solutions covering injuries, illnesses, loss of autonomy, sports activities, and domestic risks; business liability for traders, professionals, and legal protection; marine, travel, and sports craft insurance; life insurance products including investments, welfare, and supplementary pensions; bancassurance services via joint ventures with major Italian banks; health care through specialized telemedicine, home care, physiotherapy, and social services; reinsurance; and ancillary services such as vehicle repair networks, anti-theft systems, assistance including roadside recovery, and direct insurance via online platforms. Founded in 2014 through the merger of Unipol Assicurazioni, Milano Assicurazioni, and related entities into Fondiaria-Sai with relocation to Bologna, Italy, where it maintains headquarters at Via Stalingrado 45, UnipolSai leads the Italian non-life market, particularly in auto insurance, serving over 16 million customers through a nationwide network of more than 2,400 agencies and 5,300 sub-agencies, alongside brands like Linear Assicurazioni, UniSalute, and Arca Vita. In a major recent restructuring, UnipolSai completed its merger into Unipol Gruppo S.p.A. effective January 1, 2025, via incorporation with Unipol Finance S.r.l., UnipolPart I S.p.A., and Unipol Investment S.p.A., following Unipol's 2024 buyout offer for the remaining 14.8% stake valued at approximately 7.64 billion euros and delisting from Borsa Italiana on July 3, 2024, resulting in the surviving entity rebranding as Unipol Assicurazioni S.p.A.; this simplification enhances operational efficiency, cash management, and decision-making while integrating bancassurance expansions through increased stakes in banks like Banca Popolare di Sondrio (to 19.7%) and BPER Banca.