Unipol Assicurazioni SpACHIX:UNIM +1.20%58 EV-to-FCF is 5.66 as of Jul. 03, 2026, which is 28% below its 10-year median of 7.86. GuruFocus rates CHIX:UNIM with a GF Score™ of 58/100 and a GF Value™ of €12.60 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 395 Insurance companies, Unipol Assicurazioni SpA ranks better than 71.65% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Unipol Assicurazioni SpA's Enterprise Value is €22,928 Mil.
Unipol Assicurazioni SpA's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €4,054 Mil. Therefore, Unipol Assicurazioni SpA's EV-to-FCF for today is 5.66.
The historical rank and industry rank for Unipol Assicurazioni SpA's EV-to-FCF or its related term are showing as below:
CHIX:UNIm'
s EV-to-FCF Range Over the Past 10 Years
Min: -12.06 Med: 7.86 Max: 56.41
Current: 5.51
During the past 13 years, the highest EV-to-FCF of Unipol Assicurazioni SpA was 56.41. The lowest was -12.06. And the median was 7.86.
CHIX:UNIm's EV-to-FCF is ranked better than 71.65% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs CHIX:UNIm: 5.51
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Unipol Assicurazioni SpA's PE Ratio (TTM) for today is calculated as:
Unipol Assicurazioni SpA's share price for today is €25.68.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Unipol Assicurazioni SpA's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €2.030.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Unipol Assicurazioni SpA EV-to-FCF Related Terms
Unipol Assicurazioni SpA EV-to-FCF 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.
For the Insurance - Property & Casualty subindustry, Unipol Assicurazioni SpA's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Unipol Assicurazioni SpA's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Unipol Assicurazioni SpA's EV-to-FCF falls into.
Unipol Assicurazioni SpA's current Enterprise Value is €22,928 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Unipol Assicurazioni SpA's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €4,054 Mil.
* 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 EV-to-FCF of 5.66 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Unipol Assicurazioni SpA and its competitors. This is 28% below median its historical median of 7.86. According to the industry distribution chart, Unipol Assicurazioni SpA ranks #112 out of 395 companies in the Insurance industry, placing it in the top 28.4%.
Is Unipol Assicurazioni SpA's EV-to-FCF too high?
Unipol Assicurazioni SpA's current EV-to-FCF of 5.66 is 28% below median its 10-year median of 7.86. The Insurance industry median EV-to-FCF is 9.32. Unipol Assicurazioni SpA's value of 5.66 is 39.3% below this industry median. Based on the distribution chart, Unipol Assicurazioni SpA ranks #112 out of 395 companies in the Insurance industry, which is above the industry midpoint. Overall, Unipol Assicurazioni SpA has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unipol Assicurazioni SpA's EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, Unipol Assicurazioni SpA ranks #112 out of 395 companies for EV-to-FCF. This puts Unipol Assicurazioni SpA in the upper half of its industry. The industry median EV-to-FCF is 9.32. Unipol Assicurazioni SpA's value of 5.66 is 39.3% below this benchmark. While the company's 10-year median is 7.86 vs. the industry median of 9.32, Unipol Assicurazioni SpA has consistently been below 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unipol Assicurazioni SpA's current EV-to-FCF of 5.66 is 39.3% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Unipol Assicurazioni SpA and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unipol Assicurazioni SpA's current EV-to-FCF is 5.66, which is 28% below median its own 10-year median of 7.86. 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 €12.60, compared to a current price of €25.68 — trading 103.8% above its estimated fair value. The current EV-to-FCF is 5.66, which is 28% below median its 10-year median of 7.86 and 39.3% below the Insurance industry median of 9.32. Unipol Assicurazioni SpA's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Unipol Assicurazioni SpA (CHIX:UNIM), the current EV-to-FCF is 5.66 as of Jul. 03, 2026. 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 €25.68 is trading 103.8% above its estimated GF Value™ of €12.60.
GuruFocus considers Unipol Assicurazioni SpA to be Significantly Overvalued.
Key valuation signals for CHIX:UNIM:
EV-to-FCF: 5.66 (28% below median its 10-year median of 7.86)
GF Value™: €12.60 vs. price of €25.68 (103.8% above fair value)
Industry Position: 39.3% below the Insurance median (#112 of 395)
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.
58GF Score
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