Unipol Assicurazioni SpA (CHIX:UNIM) Debt-to-EBITDA : N/A (As of Dec. 2025)

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CHIX:UNIM Unipol Assicurazioni SpA CHIX:UNIM
57 GF Score
Price €26.25
GF Value €11.96
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Unipol Assicurazioni SpA Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Unipol Assicurazioni SpA's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was €0 Mil. Unipol Assicurazioni SpA's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was €5,008 Mil. Unipol Assicurazioni SpA's annualized EBITDA for the quarter that ended in Dec. 2025 was €0 Mil.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Unipol Assicurazioni SpA's Debt-to-EBITDA or its related term are showing as below:

CHIX:UNIm's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.185
* Ranked among companies with meaningful Debt-to-EBITDA only.

Unipol Assicurazioni SpA  (CHIX:UNIm) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


Unipol Assicurazioni SpA Debt-to-EBITDA Related Terms


Unipol Assicurazioni SpA Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Unipol Assicurazioni SpA's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Unipol Assicurazioni SpA Debt-to-EBITDA Chart

Unipol Assicurazioni SpA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

Unipol Assicurazioni SpA Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

CHIX:UNIM vs CB, PGR, TRV: Debt-to-EBITDA Comparison

For the Insurance - Property & Casualty subindustry, Unipol Assicurazioni SpA's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Unipol Assicurazioni SpA Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Unipol Assicurazioni SpA's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Unipol Assicurazioni SpA's Debt-to-EBITDA falls into.


CHIX:UNIM
57GF Score
Unipol Assicurazioni SpA CHIX:UNIM
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Unipol Assicurazioni SpA Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Unipol Assicurazioni SpA's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Unipol Assicurazioni SpA's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2025 is calculated as

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.

Is Unipol Assicurazioni SpA (CHIX:UNIM) Overvalued in 2026?

Based on GuruFocus' analysis, Unipol Assicurazioni SpA stock appears to be overvalued. The current stock price of €26.25 is trading 119.5% above its estimated GF Value™ of €11.96. GuruFocus considers Unipol Assicurazioni SpA to be Significantly Overvalued.

Key valuation signals for CHIX:UNIM:

  • Debt-to-EBITDA: N/A
  • GF Value™: €11.96 vs. price of €26.25 (119.5% above fair value)
  • GF Score™: 57/100 with 5 warning signs

No single metric tells the full story. See the CHIX:UNIM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Unipol Assicurazioni SpA Business Description

Address Via Stalingrado, 45, Bologna, ITA, 40128
Unipol Assicurazioni SpA is engaged in providing insurance and banking products in Italy. It offers life insurance, non-life insurance, car insurance, Reinsurance, etc.
57GF Score

Get the complete analysis for CHIX:UNIM

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€26.25
Price
€11.96
GF Value