Unipol Assicurazioni SpAMIL:UNI +0.46%52 FCF Margin % is 21.26% as of Dec. 2025, which is 140% above its 10-year median of 8.84. GuruFocus rates MIL:UNI with a GF Score™ of 52/100 and a GF Value™ of €12.83 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 501 Insurance companies, Unipol Assicurazioni SpA ranks better than 85.83% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Unipol Assicurazioni SpA's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Unipol Assicurazioni SpA's FCF Margin % 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 (MIL:UNI) has a FCF Margin % of 21.26% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Unipol Assicurazioni SpA and its competitors. This is 140% above median its historical median of 8.84. According to the industry distribution chart, Unipol Assicurazioni SpA ranks #71 out of 501 companies in the Insurance industry, placing it in the top 14.2%.
Is Unipol Assicurazioni SpA's FCF Margin % too high?
Unipol Assicurazioni SpA's current FCF Margin % of 21.26% is 140% above median its 10-year median of 8.84. The Insurance industry median FCF Margin % is 9.60. Unipol Assicurazioni SpA's value of 21.26% is 121.5% above this industry median. Based on the distribution chart, Unipol Assicurazioni SpA ranks #71 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Unipol Assicurazioni SpA has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unipol Assicurazioni SpA's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Unipol Assicurazioni SpA ranks #71 out of 501 companies for FCF Margin %. This places Unipol Assicurazioni SpA in the top 14% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.60. Unipol Assicurazioni SpA's value of 21.26% is 121.5% above this benchmark. While the company's 10-year median is 8.84 vs. the industry median of 9.60, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unipol Assicurazioni SpA's current FCF Margin % of 21.26% is 121.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Unipol Assicurazioni SpA and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unipol Assicurazioni SpA's current FCF Margin % is 21.26%, which is 140% above median its own 10-year median of 8.84. 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 (MIL:UNI) is currently considered Significantly Overvalued. The stock's GF Value™ is €12.83, compared to a current price of €24.17 — trading 88.4% above its estimated fair value. The current FCF Margin % is 21.26%, which is 140% above median its 10-year median of 8.84 and 121.5% above the Insurance industry median of 9.60. Unipol Assicurazioni SpA's overall GF Score™ is 52/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Unipol Assicurazioni SpA (MIL:UNI), the current FCF Margin % is 21.26% 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 (MIL:UNI) Overvalued in 2026?
Based on GuruFocus' analysis, Unipol Assicurazioni SpA stock appears to be overvalued.
The current stock price of €24.17 is trading 88.4% above its estimated GF Value™ of €12.83.
GuruFocus considers Unipol Assicurazioni SpA to be Significantly Overvalued.
Key valuation signals for MIL:UNI:
FCF Margin %: 21.26% (140% above median its 10-year median of 8.84)
GF Value™: €12.83 vs. price of €24.17 (88.4% above fair value)
Industry Position: 121.5% above the Insurance median (#71 of 501)
No single metric tells the full story. See the MIL:UNI 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.
52GF Score
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