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Unipol
Unipol (UNI) investor relations material
Unipol Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Feb, 2026
Executive summary
Consolidated net profit reached €1,530m, up 36.8% year-over-year, with Insurance Group net profit at €1,208m, driven by strong performance in all business lines and robust financial management.
Direct insurance income rose 11.1% to €17.4bn, with non-life up 4.5% to €9.6bn and life up 20.6% to €7.8bn, reflecting strong growth in Health and Bancassurance.
Return on Equity reached 15.0%, and the Group maintained a robust solvency position.
Proposed dividend per share is €1.12 (+31.8%), with a 5.7% yield, fully distributed in cash and representing over 70% payout of insurance group result.
Achieved results above targets for all principal industrial and financial KPIs in the first year of the industrial plan.
Financial highlights
Total premiums reached €17,361m (+11.1% YoY), with Non-Life at €9,584m (+4.5%) and Life at €7,777m (+20.6%).
Group net result rose to €1,482m (+38% YoY), Insurance Group net result at €1,161m (+42.5%).
Combined ratio improved to 92.9%, with Motor at 94.8% and Non-Motor at 91.3%.
Solvency 2 ratio (PIM) increased to 233% (Insurance Group at 281%), supported by organic capital generation and positive economic variance.
ROE improved to 15.0% from 11.5% in FY24.
Outlook and guidance
On track to meet or exceed 2027 strategic plan targets, including Non-Life premiums of €10.6bn and net result of €3.8bn, with a combined ratio target of 92.0%.
Commitment to deliver and potentially over-deliver KPIs set in the industrial plan, with two years remaining.
Dividend payout of €800 million considered a floor for the next couple of years, with potential for over-delivery versus the €2.2 billion cumulative plan target.
Business outlook for 2026 expects consolidated income from operating activities to align with 2025-2027 Strategic Plan targets, barring unforeseen events.
No current plans for interim dividend, but possible in the future if bylaws are amended.
What is the strategic use of the increased solvency
Assess banking associates' profit contribution
Evaluate Unica platform's impact on non-life growth
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Next Unipol earnings date
Q1 202614 May, 2026
Unipol
Next Unipol earnings date
Q1 202614 May, 2026
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Frequently asked questions
Unipol Gruppo S.p.A. is an insurance company based in Italy. Its operations extend across various segments, including insurance, banking, real estate, and other businesses, thereby providing a comprehensive range of products and services. The company's insurance division, through UnipolSai Assicurazioni SpA, delivers both life and non-life insurance policies, including motor vehicle and health insurance, alongside offering bancassurance products. The banking division encompasses traditional banking activities, portfolio management, and investment services. Unipol Gruppo's real estate division is focused on managing real estate assets, while its other businesses span hospitality, healthcare, and agriculture. Unipol Gruppo S.p.A. is headquartered in Bologna, Italy, and its shares are listed on the Italian Stock Exchange.
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