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Unipol Gruppo SpA ADR
Buy, Hold or Sell?

Let's analyse Unipol together

PenkeI guess you are interested in Unipol Gruppo SpA ADR. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Unipol Gruppo SpA ADR. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Unipol (30 sec.)










What can you expect buying and holding a share of Unipol? (30 sec.)

How much money do you get?

How much money do you get?
$0.63
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$5.71
Expected worth in 1 year
$-2.33
How sure are you?
44.4%

+ What do you gain per year?

Total Gains per Share
$-7.40
Return On Investment
-292.6%

For what price can you sell your share?

Current Price per Share
$2.53
Expected price per share
$2.53 - $2.53
How sure are you?
50%

1. Valuation of Unipol (5 min.)




Live pricePrice per Share (EOD)

$2.53

Intrinsic Value Per Share

$4.54 - $26.54

Total Value Per Share

$10.25 - $32.25

2. Growth of Unipol (5 min.)




Is Unipol growing?

Current yearPrevious yearGrowGrow %
How rich?$8.1b$11b-$2.8b-35.2%

How much money is Unipol making?

Current yearPrevious yearGrowGrow %
Making money$717.8m$740.5m-$22.6m-3.2%
Net Profit Margin4.7%4.4%--

How much money comes from the company's main activities?

3. Financial Health of Unipol (5 min.)




What can you expect buying and holding a share of Unipol? (5 min.)

Welcome investor! Unipol's management wants to use your money to grow the business. In return you get a share of Unipol.

What can you expect buying and holding a share of Unipol?

First you should know what it really means to hold a share of Unipol. And how you can make/lose money.

Speculation

The Price per Share of Unipol is $2.53. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Unipol.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Unipol, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $5.71. Based on the TTM, the Book Value Change Per Share is $-2.01 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.42 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.16 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Unipol.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.4818.8%0.4818.8%0.4417.3%0.4618.3%0.2911.5%
Usd Book Value Change Per Share-2.01-79.4%-2.01-79.4%-0.42-16.5%0.104.0%0.6325.1%
Usd Dividend Per Share0.166.2%0.166.2%0.3313.1%0.197.5%0.145.7%
Usd Total Gains Per Share-1.85-73.1%-1.85-73.1%-0.09-3.4%0.2911.5%0.7830.8%
Usd Price Per Share2.22-2.22-2.72-0.99-0.99-
Price to Earnings Ratio4.66-4.66-6.22-2.18-3.55-
Price-to-Total Gains Ratio-1.20--1.20--31.20--16.20-3.78-
Price to Book Ratio0.39-0.39-0.35-0.15-0.16-
Price-to-Total Gains Ratio-1.20--1.20--31.20--16.20-3.78-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share2.53
Number of shares395
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.160.19
Usd Book Value Change Per Share-2.010.10
Usd Total Gains Per Share-1.850.29
Gains per Quarter (395 shares)-730.92114.85
Gains per Year (395 shares)-2,923.69459.42
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1249-3173-2934300160449
2498-6345-5858599320908
3747-9518-87828994791367
4996-12691-1170611996391826
51245-15864-1463014987992285
61494-19036-1755417989592744
71743-22209-20478209711183203
81992-25382-23402239712783662
92241-28554-26326269714384121
102490-31727-29250299615984580

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.01.00.088.9%8.01.00.088.9%
Book Value Change Per Share0.01.00.00.0%1.02.00.033.3%2.03.00.040.0%4.05.00.044.4%4.05.00.044.4%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.00.00.0100.0%9.00.00.0100.0%
Total Gains per Share0.01.00.00.0%1.02.00.033.3%2.03.00.040.0%4.05.00.044.4%4.05.00.044.4%

Fundamentals of Unipol

About Unipol Gruppo SpA ADR

Unipol Gruppo S.p.A., together with its subsidiaries, provides insurance products and services primarily in Italy. The company operates through Non-Life Insurance Business, Life Insurance Business, Real Estate Business, and Holding and Other Businesses segments. It offers non-life insurance products for vehicles, sports craft, and travel; home and condominiums; work related to businesses, traders, professionals, and legal protection; accident and health protection; and investments and welfare. The company also provides life insurance products; bancassurance; and reinsurance services. In addition, it is involved in the management of non-performing loans; operation and management of real estate properties; operation of hotels, residences, resorts, agricultural land, nursing homes, multi-specialist centers, and port facilities; provision of vehicle and glass repair services, mobile payments, telematics, and response services to assistance request; resale of used cars; marketing of e-bikes; and telemedicine businesses. Further, the company offers property services to homes and condominiums, and administrators and owners. The company was formerly known as Unipol Gruppo Finanziario S.p.A. and changed its name to Unipol Gruppo S.p.A. in June 2017. Unipol Gruppo S.p.A. was founded in 1961 and is based in Bologna, Italy.

Fundamental data was last updated by Penke on 2024-03-13 13:32:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating less efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Unipol Gruppo SpA ADR.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Unipol earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Unipol to the Insurance - Diversified industry mean.
  • A Net Profit Margin of 4.7% means that $0.05 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Unipol Gruppo SpA ADR:

  • The MRQ is 4.7%. The company is making a profit. +1
  • The TTM is 4.7%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ4.7%TTM4.7%0.0%
TTM4.7%YOY4.4%+0.3%
TTM4.7%5Y4.6%+0.1%
5Y4.6%10Y2.7%+1.9%
1.1.2. Return on Assets

Shows how efficient Unipol is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Unipol to the Insurance - Diversified industry mean.
  • 0.9% Return on Assets means that Unipol generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Unipol Gruppo SpA ADR:

  • The MRQ is 0.9%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.9%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.9%TTM0.9%0.0%
TTM0.9%YOY0.8%+0.1%
TTM0.9%5Y0.9%+0.1%
5Y0.9%10Y0.5%+0.3%
1.1.3. Return on Equity

Shows how efficient Unipol is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Unipol to the Insurance - Diversified industry mean.
  • 11.0% Return on Equity means Unipol generated $0.11 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Unipol Gruppo SpA ADR:

  • The MRQ is 11.0%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 11.0%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ11.0%TTM11.0%0.0%
TTM11.0%YOY8.4%+2.6%
TTM11.0%5Y9.9%+1.1%
5Y9.9%10Y6.4%+3.5%

1.2. Operating Efficiency of Unipol Gruppo SpA ADR.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Unipol is operating .

  • Measures how much profit Unipol makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Unipol to the Insurance - Diversified industry mean.
  • An Operating Margin of 7.3% means the company generated $0.07  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Unipol Gruppo SpA ADR:

  • The MRQ is 7.3%. The company is operating less efficient.
  • The TTM is 7.3%. The company is operating less efficient.
Trends
Current periodCompared to+/- 
MRQ7.3%TTM7.3%0.0%
TTM7.3%YOY6.5%+0.8%
TTM7.3%5Y8.4%-1.1%
5Y8.4%10Y7.4%+1.0%
1.2.2. Operating Ratio

Measures how efficient Unipol is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Insurance - Diversified industry mean).
  • An Operation Ratio of 0.32 means that the operating costs are $0.32 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Unipol Gruppo SpA ADR:

  • The MRQ is 0.320. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.320. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.320TTM0.3200.000
TTM0.320YOY0.220+0.100
TTM0.3205Y0.517-0.197
5Y0.51710Y1.116-0.599

1.3. Liquidity of Unipol Gruppo SpA ADR.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Unipol is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Insurance - Diversified industry mean).
  • A Current Ratio of 0.49 means the company has $0.49 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Unipol Gruppo SpA ADR:

  • The MRQ is 0.485. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.485. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.485TTM0.4850.000
TTM0.485YOY0.474+0.012
TTM0.4855Y0.461+0.025
5Y0.46110Y0.421+0.040
1.3.2. Quick Ratio

Measures if Unipol is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Unipol to the Insurance - Diversified industry mean.
  • A Quick Ratio of 0.37 means the company can pay off $0.37 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Unipol Gruppo SpA ADR:

  • The MRQ is 0.367. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.367. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.367TTM0.3670.000
TTM0.367YOY0.367+0.000
TTM0.3675Y1.210-0.843
5Y1.21010Y1.263-0.053

1.4. Solvency of Unipol Gruppo SpA ADR.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Unipol assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Unipol to Insurance - Diversified industry mean.
  • A Debt to Asset Ratio of 0.90 means that Unipol assets are financed with 89.6% credit (debt) and the remaining percentage (100% - 89.6%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Unipol Gruppo SpA ADR:

  • The MRQ is 0.896. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.896. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.896TTM0.8960.000
TTM0.896YOY0.878+0.019
TTM0.8965Y0.892+0.004
5Y0.89210Y0.900-0.008
1.4.2. Debt to Equity Ratio

Measures if Unipol is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Unipol to the Insurance - Diversified industry mean.
  • A Debt to Equity ratio of 1,078.5% means that company has $10.78 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Unipol Gruppo SpA ADR:

  • The MRQ is 10.785. The company is unable to pay all its debts with equity. -1
  • The TTM is 10.785. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ10.785TTM10.7850.000
TTM10.785YOY8.960+1.825
TTM10.7855Y10.622+0.163
5Y10.62210Y12.422-1.800

2. Market Valuation of Unipol Gruppo SpA ADR

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Unipol generates.

  • Above 15 is considered overpriced but always compare Unipol to the Insurance - Diversified industry mean.
  • A PE ratio of 4.66 means the investor is paying $4.66 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Unipol Gruppo SpA ADR:

  • The EOD is 5.309. Based on the earnings, the company is cheap. +2
  • The MRQ is 4.658. Based on the earnings, the company is cheap. +2
  • The TTM is 4.658. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.309MRQ4.658+0.650
MRQ4.658TTM4.6580.000
TTM4.658YOY6.221-1.563
TTM4.6585Y2.176+2.482
5Y2.17610Y3.552-1.376
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Unipol Gruppo SpA ADR:

  • The EOD is 3.068. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 2.692. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 2.692. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD3.068MRQ2.692+0.376
MRQ2.692TTM2.6920.000
TTM2.692YOY2.341+0.351
TTM2.6925Y1.007+1.686
5Y1.00710Y0.559+0.447
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Unipol is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Insurance - Diversified industry mean).
  • A PB ratio of 0.39 means the investor is paying $0.39 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Unipol Gruppo SpA ADR:

  • The EOD is 0.443. Based on the equity, the company is cheap. +2
  • The MRQ is 0.389. Based on the equity, the company is cheap. +2
  • The TTM is 0.389. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.443MRQ0.389+0.054
MRQ0.389TTM0.3890.000
TTM0.389YOY0.353+0.036
TTM0.3895Y0.148+0.241
5Y0.14810Y0.158-0.010
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Unipol Gruppo SpA ADR compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---2.008-2.0080%-0.418-79%0.101-2086%0.634-417%
Book Value Per Share--5.7065.7060%7.714-26%6.353-10%6.047-6%
Current Ratio--0.4850.4850%0.474+2%0.461+5%0.421+15%
Debt To Asset Ratio--0.8960.8960%0.878+2%0.892+0%0.9000%
Debt To Equity Ratio--10.78510.7850%8.960+20%10.622+2%12.422-13%
Dividend Per Share--0.1580.1580%0.331-52%0.190-17%0.144+9%
Eps--0.4770.4770%0.437+9%0.463+3%0.292+63%
Free Cash Flow Per Share--0.8250.8250%1.162-29%1.055-22%0.691+19%
Free Cash Flow To Equity Per Share--0.8540.8540%0.012+7141%0.769+11%0.366+133%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--26.543--------
Intrinsic Value_10Y_min--4.543--------
Intrinsic Value_1Y_max--1.404--------
Intrinsic Value_1Y_min--0.718--------
Intrinsic Value_3Y_max--5.176--------
Intrinsic Value_3Y_min--1.942--------
Intrinsic Value_5Y_max--10.102--------
Intrinsic Value_5Y_min--2.921--------
Market Cap3625717821.440+12%3181459906.5603181459906.5600%3898004930.560-18%1415892967.424+125%1423536114.347+123%
Net Profit Margin--0.0470.0470%0.044+7%0.046+2%0.027+71%
Operating Margin--0.0730.0730%0.065+13%0.084-13%0.074-2%
Operating Ratio--0.3200.3200%0.220+46%0.517-38%1.116-71%
Pb Ratio0.443+12%0.3890.3890%0.353+10%0.148+162%0.158+146%
Pe Ratio5.309+12%4.6584.6580%6.221-25%2.176+114%3.552+31%
Price Per Share2.530+12%2.2202.2200%2.720-18%0.988+125%0.993+123%
Price To Free Cash Flow Ratio3.068+12%2.6922.6920%2.341+15%1.007+167%0.559+381%
Price To Total Gains Ratio-1.367-14%-1.200-1.2000%-31.198+2500%-16.199+1250%3.776-132%
Quick Ratio--0.3670.3670%0.367+0%1.210-70%1.263-71%
Return On Assets--0.0090.0090%0.008+11%0.009+7%0.005+72%
Return On Equity--0.1100.1100%0.084+31%0.099+11%0.064+72%
Total Gains Per Share---1.850-1.8500%-0.087-95%0.291-736%0.778-338%
Usd Book Value--8177589675.0008177589675.0000%11055289800.000-26%9103772058.000-10%8665540032.222-6%
Usd Book Value Change Per Share---2.008-2.0080%-0.418-79%0.101-2086%0.634-417%
Usd Book Value Per Share--5.7065.7060%7.714-26%6.353-10%6.047-6%
Usd Dividend Per Share--0.1580.1580%0.331-52%0.190-17%0.144+9%
Usd Eps--0.4770.4770%0.437+9%0.463+3%0.292+63%
Usd Free Cash Flow--1181715521.0001181715521.0000%1664938326.000-29%1512455238.000-22%660108465.556+79%
Usd Free Cash Flow Per Share--0.8250.8250%1.162-29%1.055-22%0.691+19%
Usd Free Cash Flow To Equity Per Share--0.8540.8540%0.012+7141%0.769+11%0.366+133%
Usd Market Cap3625717821.440+12%3181459906.5603181459906.5600%3898004930.560-18%1415892967.424+125%1423536114.347+123%
Usd Price Per Share2.530+12%2.2202.2200%2.720-18%0.988+125%0.993+123%
Usd Profit--717815458.000717815458.0000%740511047.000-3%714797845.400+0%446876580.778+61%
Usd Revenue--15295880203.00015295880203.0000%16891334761.000-9%15424870509.800-1%16325594727.667-6%
Usd Total Gains Per Share---1.850-1.8500%-0.087-95%0.291-736%0.778-338%
 EOD+3 -5MRQTTM+0 -0YOY+13 -225Y+14 -2110Y+20 -15

3.2. Fundamental Score

Let's check the fundamental score of Unipol Gruppo SpA ADR based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-155.309
Price to Book Ratio (EOD)Between0-10.443
Net Profit Margin (MRQ)Greater than00.047
Operating Margin (MRQ)Greater than00.073
Quick Ratio (MRQ)Greater than10.367
Current Ratio (MRQ)Greater than10.485
Debt to Asset Ratio (MRQ)Less than10.896
Debt to Equity Ratio (MRQ)Less than110.785
Return on Equity (MRQ)Greater than0.150.110
Return on Assets (MRQ)Greater than0.050.009
Total5/10 (50.0%)

3.3. Technical Score

Let's check the technical score of Unipol Gruppo SpA ADR based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than500.000
Ma 20Greater thanMa 502.530
Ma 50Greater thanMa 1002.530
Ma 100Greater thanMa 2002.530
OpenGreater thanClose2.530
Total0/5 (0.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2018-12-312019-12-312020-12-312021-12-312022-12-31
Other Stockholders Equity  1,749,700800,6002,550,300-1,466,6021,083,698110,9301,194,629-1,829,322-634,694



Latest Balance Sheet

Balance Sheet of 2022-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets78,739,357
Total Liabilities70,561,767
Total Stockholder Equity6,542,669
 As reported
Total Liabilities 70,561,767
Total Stockholder Equity+ 6,542,669
Total Assets = 78,739,357

Assets

Total Assets78,739,357
Total Current Assets6,781,413
Long-term Assets71,957,944
Total Current Assets
Cash And Cash Equivalents 1,919,022
Short-term Investments 477,701
Net Receivables 2,246,900
Other Current Assets 919,009
Total Current Assets  (as reported)6,781,413
Total Current Assets  (calculated)5,562,632
+/- 1,218,781
Long-term Assets
Property Plant Equipment 3,054,043
Goodwill 1,834,923
Long Term Investments 56,972,600
Intangible Assets 2,386,905
Long-term Assets  (as reported)71,957,944
Long-term Assets  (calculated)64,248,470
+/- 7,709,474

Liabilities & Shareholders' Equity

Total Current Liabilities13,968,915
Long-term Liabilities56,592,852
Total Stockholder Equity6,542,669
Total Current Liabilities
Short-term Debt 1,281
Accounts payable 970,557
Other Current Liabilities 12,982,669
Total Current Liabilities  (as reported)13,968,915
Total Current Liabilities  (calculated)13,954,507
+/- 14,408
Long-term Liabilities
Long term Debt 4,614,100
Other Liabilities 46,031,000
Long-term Liabilities  (as reported)56,592,852
Long-term Liabilities  (calculated)50,645,100
+/- 5,947,752
Total Stockholder Equity
Common Stock3,591,616
Accumulated Other Comprehensive Income 3,585,747
Other Stockholders Equity -634,694
Total Stockholder Equity (as reported)6,542,669
Total Stockholder Equity (calculated)6,542,669
+/-0
Other
Capital Stock3,365,300
Cash and Short Term Investments 2,396,723
Common Stock Shares Outstanding 1,430,600
Current Deferred Revenue14,408
Liabilities and Stockholders Equity 78,739,357
Net Debt 3,007,404
Net Invested Capital 10,744,500
Net Tangible Assets 3,893,900
Property Plant and Equipment Gross 4,558,900
Short Long Term Debt Total 4,926,426



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-31
> Total Assets 
88,627,300
89,773,300
91,896,900
89,972,900
77,580,800
76,101,900
96,135,792
90,324,612
78,739,357
78,739,35790,324,61296,135,79276,101,90077,580,80089,972,90091,896,90089,773,30088,627,300
   > Total Current Assets 
5,796,300
5,463,500
5,258,700
15,279,700
15,078,900
5,657,600
5,984,995
6,651,824
6,781,413
6,781,4136,651,8245,984,9955,657,60015,078,90015,279,7005,258,7005,463,5005,796,300
       Cash And Cash Equivalents 
674,400
874,400
503,100
631,500
264,600
1,007,000
1,339,543
2,204,917
1,919,022
1,919,0222,204,9171,339,5431,007,000264,600631,500503,100874,400674,400
       Short-term Investments 
0
0
52,539,600
44,482,200
44,102,500
49,309,600
420,289
381,303
477,701
477,701381,303420,28949,309,60044,102,50044,482,20052,539,60000
       Net Receivables 
3,234,300
3,067,900
2,908,700
2,556,100
2,452,700
2,760,400
2,182,000
2,177,800
2,246,900
2,246,9002,177,8002,182,0002,760,4002,452,7002,556,1002,908,7003,067,9003,234,300
       Other Current Assets 
1,495,700
1,114,300
1,538,100
11,758,500
12,073,600
1,606,400
648,237
690,280
919,009
919,009690,280648,2371,606,40012,073,60011,758,5001,538,1001,114,3001,495,700
   > Long-term Assets 
0
0
0
0
0
0
90,150,797
83,672,788
71,957,944
71,957,94483,672,78890,150,797000000
       Property Plant Equipment 
1,521,600
1,757,000
1,886,000
1,872,000
1,887,400
2,484,200
2,894,552
2,859,717
3,054,043
3,054,0432,859,7172,894,5522,484,2001,887,4001,872,0001,886,0001,757,0001,521,600
       Goodwill 
1,581,900
1,581,900
1,591,700
1,581,700
1,581,700
1,625,000
1,995,488
1,854,546
1,834,923
1,834,9231,854,5461,995,4881,625,0001,581,7001,581,7001,591,7001,581,9001,581,900
       Long Term Investments 
64,646,800
66,569,900
68,586,900
55,567,200
55,035,100
62,074,600
65,461,800
65,004,100
56,972,600
56,972,60065,004,10065,461,80062,074,60055,035,10055,567,20068,586,90066,569,90064,646,800
       Intangible Assets 
626,800
576,000
427,300
395,100
373,500
387,100
2,419,692
2,322,845
2,386,905
2,386,9052,322,8452,419,692387,100373,500395,100427,300576,000626,800
       Long-term Assets Other 
0
0
0
0
0
0
71,617,685
64,044,716
52,402,936
52,402,93664,044,71671,617,685000000
> Total Liabilities 
80,187,500
81,328,700
83,763,300
82,519,900
71,254,100
67,797,300
84,481,111
79,269,322
70,561,767
70,561,76779,269,32284,481,11167,797,30071,254,10082,519,90083,763,30081,328,70080,187,500
   > Total Current Liabilities 
19,317,800
17,768,000
17,286,300
26,627,900
25,507,800
16,298,600
14,706,215
14,036,914
13,968,915
13,968,91514,036,91414,706,21516,298,60025,507,80026,627,90017,286,30017,768,00019,317,800
       Short-term Debt 
7,119,200
7,164,700
7,349,754
8,252,672
0
0
612
682
1,281
1,281682612008,252,6727,349,7547,164,7007,119,200
       Short Long Term Debt 
7,119,200
7,164,700
7,349,754
8,252,672
0
0
0
0
0
000008,252,6727,349,7547,164,7007,119,200
       Accounts payable 
15,135,000
14,124,800
13,462,900
12,895,300
12,460,200
12,204,700
735,476
809,459
970,557
970,557809,459735,47612,204,70012,460,20012,895,30013,462,90014,124,80015,135,000
       Other Current Liabilities 
4,017,300
3,524,700
3,664,500
13,572,900
12,919,400
3,925,000
13,962,908
13,214,946
12,982,669
12,982,66913,214,94613,962,9083,925,00012,919,40013,572,9003,664,5003,524,7004,017,300
   > Long-term Liabilities 
0
0
0
0
0
0
69,774,896
65,232,408
56,592,852
56,592,85265,232,40869,774,896000000
> Total Stockholder Equity
5,691,200
5,523,600
5,648,800
5,486,100
5,032,400
6,687,500
9,315,620
8,847,416
6,542,669
6,542,6698,847,4169,315,6206,687,5005,032,4005,486,1005,648,8005,523,6005,691,200
   Common Stock
3,365,300
3,365,300
3,365,300
3,365,300
3,365,300
3,365,300
4,117,613
3,827,019
3,591,616
3,591,6163,827,0194,117,6133,365,3003,365,3003,365,3003,365,3003,365,3003,365,300
   Retained Earnings 
-163,300
-154,200
47,900
-267,300
-76,600
775,300
1,478,400
1,681,500
2,140,900
2,140,9001,681,5001,478,400775,300-76,600-267,30047,900-154,200-163,300
   Capital Surplus 000000000
   Treasury Stock000000000
   Other Stockholders Equity 
2,524,900
2,347,200
2,263,400
2,413,800
1,749,700
2,550,300
1,083,698
1,194,629
-634,694
-634,6941,194,6291,083,6982,550,3001,749,7002,413,8002,263,4002,347,2002,524,900



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2022-12-31)

Gross Profit (+$)
totalRevenue15,295,880
Cost of Revenue-0
Gross Profit15,295,88015,295,880
 
Operating Income (+$)
Gross Profit15,295,880
Operating Expense-4,897,961
Operating Income1,110,98510,397,919
 
Operating Expense (+$)
Research Development-
Selling General Administrative791,800
Selling And Marketing Expenses-
Operating Expense4,897,961791,800
 
Net Interest Income (+$)
Interest Income1,388,200
Interest Expense-173,095
Other Finance Cost-1,215,105
Net Interest Income-
 
Pretax Income (+$)
Operating Income1,110,985
Net Interest Income-
Other Non-Operating Income Expenses-
Income Before Tax (EBT)799,3711,249,188
EBIT - interestExpense = 937,889
972,782
890,911
Interest Expense173,095
Earnings Before Interest and Taxes (EBIT)1,110,985972,467
Earnings Before Interest and Taxes (EBITDA)1,401,579
 
After tax Income (+$)
Income Before Tax799,371
Tax Provision-242,600
Net Income From Continuing Ops865,900556,771
Net Income717,815
Net Income Applicable To Common Shares683,000
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses14,358,306
Total Other Income/Expenses Net-138,2030
 

Technical Analysis of Unipol
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Unipol. The general trend of Unipol is BEARISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Unipol's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-100.0%) Bearish trend (100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Unipol Gruppo SpA ADR.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 2.53 < 2.53 < 2.53.

The bearish price targets are: 2.53 > 2.53 > 2.53.

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Unipol Gruppo SpA ADR Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Unipol Gruppo SpA ADR. The current mas is .

The long score for the Moving Averages is 0/14.
The longshort score for the Moving Averages is -14/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Unipol Gruppo SpA ADR Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Unipol Gruppo SpA ADR. The current macd is 0.0000.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Unipol price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Unipol. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Unipol price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Unipol Gruppo SpA ADR Daily Moving Average Convergence/Divergence (MACD) ChartUnipol Gruppo SpA ADR Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Unipol Gruppo SpA ADR. The current adx is 84.45.

The long score for the Directional Movement Index (DMI) is 3/7.
The longshort score for the Directional Movement Index (DMI) is 3/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Unipol shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bullish trend. The ADX is declining, the bullish trend is weakening. Could be a potential reversal to the downside. +2
Unipol Gruppo SpA ADR Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Unipol Gruppo SpA ADR. The current sar is 2.53055633.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Unipol Gruppo SpA ADR Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Unipol Gruppo SpA ADR. The current rsi is 0. The current phase is Oversold in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 1/(-13 +13).

  • Oversold in bear market: Short-term excessive selling, potential for relief rally. Be cautious, consider taking short-term long positions. +1
Unipol Gruppo SpA ADR Daily Relative Strength Index (RSI) ChartUnipol Gruppo SpA ADR Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Unipol Gruppo SpA ADR. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Unipol price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Unipol Gruppo SpA ADR Daily Stochastic Oscillator ChartUnipol Gruppo SpA ADR Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Unipol Gruppo SpA ADR. The current cci is -66.66666667.

Unipol Gruppo SpA ADR Daily Commodity Channel Index (CCI) ChartUnipol Gruppo SpA ADR Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Unipol Gruppo SpA ADR. The current cmo is 0.

Unipol Gruppo SpA ADR Daily Chande Momentum Oscillator (CMO) ChartUnipol Gruppo SpA ADR Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Unipol Gruppo SpA ADR. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Unipol Gruppo SpA ADR Daily Williams %R ChartUnipol Gruppo SpA ADR Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Unipol Gruppo SpA ADR.

Unipol Gruppo SpA ADR Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Unipol Gruppo SpA ADR. The current atr is 0.0000.

Unipol Gruppo SpA ADR Daily Average True Range (ATR) ChartUnipol Gruppo SpA ADR Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Unipol Gruppo SpA ADR. The current obv is 173.00.

Unipol Gruppo SpA ADR Daily On-Balance Volume (OBV) ChartUnipol Gruppo SpA ADR Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Unipol Gruppo SpA ADR. The current mfi is 0.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
Unipol Gruppo SpA ADR Daily Money Flow Index (MFI) ChartUnipol Gruppo SpA ADR Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Unipol Gruppo SpA ADR.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2024-03-22RSI SHORT ENTRY LONG CLOSE70 crossover to downside

6.3. Candlestick Patterns

Unipol Gruppo SpA ADR Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Unipol Gruppo SpA ADR based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than500.000
Ma 20Greater thanMa 502.530
Ma 50Greater thanMa 1002.530
Ma 100Greater thanMa 2002.530
OpenGreater thanClose2.530
Total0/5 (0.0%)
Penke

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