Unipol Assicurazioni SpAMEX:UNIN 52 Return-on-Tangible-Equity is 23.81% as of Dec. 2025, which is 83% above its 10-year median of 13.00. GuruFocus rates MEX:UNIN with a GF Score™ of 52/100 and a GF Value™ of MXN194.19. The stock has 5 warning signs investors should review. Among 500 Insurance companies, Unipol Assicurazioni SpA ranks better than 69% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Unipol Assicurazioni SpA's annualized net income for the quarter that ended in Dec. 2025 was MXN37,192 Mil. Unipol Assicurazioni SpA's average shareholder tangible equity for the quarter that ended in Dec. 2025 was MXN156,192 Mil. Therefore, Unipol Assicurazioni SpA's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 23.81%.
The historical rank and industry rank for Unipol Assicurazioni SpA's Return-on-Tangible-Equity or its related term are showing as below:
MEX:UNIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -9.69 Med: 13 Max: 23.28
Current: 20.8
During the past 13 years, Unipol Assicurazioni SpA's highest Return-on-Tangible-Equity was 23.28%. The lowest was -9.69%. And the median was 13.00%.
MEX:UNIN's Return-on-Tangible-Equity is ranked better than 69% of 500
companies
in the Insurance industry
Industry Median: 13.53
vs MEX:UNIN: 20.80
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Unipol Assicurazioni SpA Return-on-Tangible-Equity Related Terms
Unipol Assicurazioni SpA Return-on-Tangible-Equity Historical Data
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The historical data trend for Unipol Assicurazioni SpA's Return-on-Tangible-Equity 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.
MEX:UNIN vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Unipol Assicurazioni SpA's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Unipol Assicurazioni SpA's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Unipol Assicurazioni SpA's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 23.81% mean?
Unipol Assicurazioni SpA (MEX:UNIN) has a Return-on-Tangible-Equity of 23.81% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Unipol Assicurazioni SpA and its competitors. This is 83% above median its historical median of 13.00. According to the industry distribution chart, Unipol Assicurazioni SpA ranks #155 out of 500 companies in the Insurance industry, placing it in the top 31%.
Is Unipol Assicurazioni SpA's Return-on-Tangible-Equity too high?
Unipol Assicurazioni SpA's current Return-on-Tangible-Equity of 23.81% is 83% above median its 10-year median of 13.00. The Insurance industry median Return-on-Tangible-Equity is 13.53. Unipol Assicurazioni SpA's value of 23.81% is 76% above this industry median. Based on the distribution chart, Unipol Assicurazioni SpA ranks #155 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, Unipol Assicurazioni SpA has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Unipol Assicurazioni SpA's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Unipol Assicurazioni SpA ranks #155 out of 500 companies for Return-on-Tangible-Equity. This puts Unipol Assicurazioni SpA in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.53. Unipol Assicurazioni SpA's value of 23.81% is 76% above this benchmark. While the company's 10-year median is 13.00 vs. the industry median of 13.53, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.53, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unipol Assicurazioni SpA's current Return-on-Tangible-Equity of 23.81% is 76% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Unipol Assicurazioni SpA and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unipol Assicurazioni SpA's current Return-on-Tangible-Equity is 23.81%, which is 83% above median its own 10-year median of 13.00. 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?
Unipol Assicurazioni SpA (MEX:UNIN) has a current Return-on-Tangible-Equity of 23.81%. The stock's GF Value™ is MXN194.19, compared to a current price of MXN401.52 — trading 106.8% above its estimated fair value. The current Return-on-Tangible-Equity is 23.81%, which is 83% above median its 10-year median of 13.00 and 76% above the Insurance industry median of 13.53. Unipol Assicurazioni SpA's overall GF Score™ is 52/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Unipol Assicurazioni SpA (MEX:UNIN), the current Return-on-Tangible-Equity is 23.81% 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 (MEX:UNIN) Overvalued in 2026?
Based on GuruFocus' analysis, Unipol Assicurazioni SpA stock appears to be overvalued.
The current stock price of MXN401.52 is trading 106.8% above its estimated GF Value™ of MXN194.19.
Key valuation signals for MEX:UNIN:
Return-on-Tangible-Equity: 23.81% (83% above median its 10-year median of 13.00)
GF Value™: MXN194.19 vs. price of MXN401.52 (106.8% above fair value)
Industry Position: 76% above the Insurance median (#155 of 500)
No single metric tells the full story. See the MEX:UNIN 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
Get the complete analysis for MEX:UNIN
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