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Unipol Assicurazioni SpACHIX:UNIM +2.16%51 Debt-to-Equity is 0.48 as of Dec. 2025, which is 28% below its 10-year median of 0.67. GuruFocus rates CHIX:UNIM with a GF Score™ of 51/100 and a GF Value™ of €12.00 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 405 Insurance companies, Unipol Assicurazioni SpA ranks worse than 78.02% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Unipol Assicurazioni SpA's Debt-to-Equity or its related term are showing as below:
CHIX:UNIm'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.48 Med: 0.67 Max: 1.18
Current: 0.48
During the past 13 years, the highest Debt-to-Equity Ratio of Unipol Assicurazioni SpA was 1.18. The lowest was 0.48. And the median was 0.67.
CHIX:UNIm's Debt-to-Equity is ranked worse than 78.02% of 405
companies
in the Insurance industry
Industry Median: 0.2
vs CHIX:UNIm: 0.48
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Unipol Assicurazioni SpA Debt-to-Equity Related Terms
Unipol Assicurazioni SpA Debt-to-Equity Historical Data
* 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.
CHIX:UNIM vs CB, PGR, TRV: Debt-to-Equity Comparison
For the Insurance - Property & Casualty subindustry, Unipol Assicurazioni SpA's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Unipol Assicurazioni SpA's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Unipol Assicurazioni SpA's Debt-to-Equity falls into.
* 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 (CHIX:UNIM) has a Debt-to-Equity of 0.48 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Unipol Assicurazioni SpA and its competitors. This is 28% below median its historical median of 0.67. Over the past decade, Unipol Assicurazioni SpA's Debt-to-Equity has ranged from 0.48 to 1.18. According to the industry distribution chart, Unipol Assicurazioni SpA ranks #316 out of 405 companies in the Insurance industry, placing it in the top 78%.
Is Unipol Assicurazioni SpA's Debt-to-Equity too high?
Unipol Assicurazioni SpA's current Debt-to-Equity of 0.48 is 28% below median its 10-year median of 0.67. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 1.18. The Insurance industry median Debt-to-Equity is 0.20. Unipol Assicurazioni SpA's value of 0.48 is 140% above this industry median. Based on the distribution chart, Unipol Assicurazioni SpA ranks #316 out of 405 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Unipol Assicurazioni SpA has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unipol Assicurazioni SpA's Debt-to-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Unipol Assicurazioni SpA ranks #316 out of 405 companies for Debt-to-Equity. This places Unipol Assicurazioni SpA in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Unipol Assicurazioni SpA's value of 0.48 is 140% above this benchmark. Historically, Unipol Assicurazioni SpA's own Debt-to-Equity has ranged from 0.48 to 1.18 over the past decade. While the company's 10-year median is 0.67 vs. the industry median of 0.20, Unipol Assicurazioni SpA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 405 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unipol Assicurazioni SpA's current Debt-to-Equity of 0.48 is 140% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Unipol Assicurazioni SpA and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unipol Assicurazioni SpA's current Debt-to-Equity is 0.48, which is 28% below median its own 10-year median of 0.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unipol Assicurazioni SpA stock overvalued right now?
Based on GuruFocus' analysis, Unipol Assicurazioni SpA (CHIX:UNIM) is currently considered Significantly Overvalued. The stock's GF Value™ is €12.00, compared to a current price of €29.05 — trading 142% above its estimated fair value. The current Debt-to-Equity is 0.48, which is 28% below median its 10-year median of 0.67 and 140% above the Insurance industry median of 0.20. Unipol Assicurazioni SpA's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Unipol Assicurazioni SpA (CHIX:UNIM), the current Debt-to-Equity is 0.48 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 €29.05 is trading 142% above its estimated GF Value™ of €12.00.
GuruFocus considers Unipol Assicurazioni SpA to be Significantly Overvalued.
Key valuation signals for CHIX:UNIM:
Debt-to-Equity: 0.48 (28% below median its 10-year median of 0.67)
GF Value™: €12.00 vs. price of €29.05 (142% above fair value)
Industry Position: 140% above the Insurance median (#316 of 405)
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 is engaged in providing insurance and banking products in Italy. It offers life insurance, non-life insurance, car insurance, Reinsurance, etc.
51GF Score
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