Unipol Gruppo S.p.A. (UNI) — Stock analysis
EURCurrent price
26,59 €
0,43 € (+1.64%) today
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About Unipol Gruppo S.p.A.
Unipol Gruppo est la holding italienne du groupe d'assurance Unipol, l'un des plus grands d'Italie. Il contrôle UnipolSai Assicurazioni, la compagnie opérationnelle proposant des assurances automobile (numéro un en responsabilité civile automobile en Italie), non-vie, vie et santé. Le groupe gère également des activités bancaires via Banca UnipolSai. Fondé en 1963 à Bologne, siège social à Bologne.
Que fait Unipol Gruppo ?▾
Unipol est la maison mère de l'assureur Unipol : via UnipolSai, il propose des assurances automobile (RC, tous risques), dommages habitation et entreprises, vie et santé. Il est le premier assureur automobile en Italie. Le groupe gère également des activités bancaires et de gestion d'actifs.
Sur quelle bourse Unipol est-il coté ?▾
Unipol Gruppo est coté à la Bourse italienne avec le code UNI. Il est membre de l'indice FTSE MIB.
Unipol verse-t-il des dividendes ?▾
Oui. Il verse un dividende annuel. Le rendement est typiquement de 4 à 7 %, dans la moyenne du secteur assurantiel italien.
What is the combined ratio and why does it matter for Unipol?▾
The combined ratio measures claims plus expenses against premiums earned; under 100% means the insurance business is profitable before investment income. It is one of the clearest gauges of a non-life insurer's health. Lucex reports it as information about your position, not as advice.
Why is Unipol structured as a holding company?▾
The listed entity is a holding that controls the operating insurance business, so owning it gives exposure to the group as a whole rather than a single operating company. Lucex explains the structure; the investment decision is yours.
A holding company over an insurer
Unipol Gruppo is the listed holding that controls the operating insurer (historically UnipolSai), so its value reflects the underlying insurance business plus the group's banking and other activities. Italy's leading motor insurer sits at the core, which ties a large part of results to the motor and non-life market.
What drives an insurer's results
Non-life insurers are commonly read through the combined ratio (claims and costs as a share of premiums — below 100% means an underwriting profit), premium growth, and investment income earned on the reserves they hold. For a motor-heavy insurer like Unipol, claims trends and pricing in auto cover are central. Lucex provides these as context, not as a call.
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