{"id":30212,"date":"2026-07-02T23:24:00","date_gmt":"2026-07-02T21:24:00","guid":{"rendered":"http:\/\/stocks-future.com\/?guid=142f368d7aca04e79d6da93b5eb4627c"},"modified":"2026-07-02T23:24:00","modified_gmt":"2026-07-02T21:24:00","slug":"am-best-affirms-credit-ratings-of-unipol-assicurazioni-s-p-a","status":"publish","type":"post","link":"https:\/\/stocks-future.com\/?p=30212","title":{"rendered":"AM Best Affirms Credit Ratings of Unipol Assicurazioni S.p.A."},"content":{"rendered":"

AMSTERDAM--(BUSINESS WIRE)--#insurance<\/a>--AM Best <\/b>has affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Rating of \u201ca\u201d (Excellent) of Unipol Assicurazioni S.p.A. (Unipol) (Italy). The outlook of these Credit Ratings (ratings) is stable.<\/p><\/a><\/a>

\nThe ratings reflect Unipol\u2019s balance sheet strength, which AM Best assesses as very strong, as well as its strong operating performance, neutral business profile and appropriate enterprise risk management.<\/p>

\nUnipol\u2019s balance sheet strength is underpinned by its strongest risk-adjusted capitalisation, as measured by Best\u2019s Capital Adequacy Ratio (BCAR). The BCAR includes partial credit for subordinated debt. Furthermore, the company reported a solid Solvency II SCR ratio of 230% as of year-end 2025 (2024: 212%). Factors supporting the balance sheet strength assessment include the company\u2019s low reinsurance dependence, good internal capital generation, as well as strong liquidity and financial flexibility. The company had a positive adjusted financial leverage ratio of 17.7% at year-end 2025, as calculated by AM Best, including hybrid equity credit, and strong interest coverage. A partially offsetting rating factor is the material, albeit reducing, concentration of Unipol\u2019s investment portfolio in Italian government bonds (28.9% of investments at year-end 2025), which exposes its risk-adjusted capitalisation to volatility. Furthermore, strategic investments in Italian banking affiliates add to overall asset risk.<\/p>

\nUnipol has a track record of a strong and stable operating performance, driven by sound results in the non-life and life segments. The company reported a net result of EUR 1.5 billion in 2025, which translates into a return-on-equity of 15.0% (as calculated by AM Best) (2024: 11.5%). Non-life technical performance in 2025 was underpinned by a combined ratio of 92.6% (net\/net, as calculated by AM Best). Life business exhibits healthy margins between the average yield of segregated accounts and the minimum guarantee.<\/p>

\nUnipol is one of the largest players in the Italian non-life insurance market, with a particularly strong position in the motor segment. The company also benefits from a good competitive position in the local life market. Performance is supported by the company\u2019s access to data and sophisticated pricing capabilities, as well as its extensive use of telematics applied to the non-life segment. However, the concentration of its business portfolio in Italy exposes Unipol\u2019s operations to any potential adverse changes in the country\u2019s economic, political and regulatory environments.<\/p>

\nThis press release relates to Credit Ratings that have been published on AM Best\u2019s website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best\u2019s <\/b>Recent Rating Activity<\/b><\/a> web page. For additional information regarding the use and limitations of Credit Rating opinions, please view <\/b>Guide to Best\u2019s Credit Ratings<\/b><\/a>. For information on the proper use of Best\u2019s Credit Ratings, Best\u2019s Performance Assessments, Best\u2019s Preliminary Credit Assessments and AM Best press releases, please view <\/b>Guide to Proper Use of Best\u2019s Ratings & Assessments<\/b><\/a>.<\/b><\/p>

\nAM Best is a global credit rating agency, news publisher and data analytics provider specialising in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit <\/b>www.ambest.com<\/b><\/a>.<\/b><\/p>

\nCopyright \u00a9 2026 by A.M. Best Rating Services, Inc. and\/or its affiliates. ALL RIGHTS RESERVED.<\/b><\/p> Contacts<\/b>

\nAndrea Porta<\/b>Senior Financial Analyst<\/b>+31 20 808 1700<\/b>andrea.porta@ambest.com<\/a>\nDr. Mathilde Jakobsen<\/b>Senior Director, Analytics<\/b>+31 20 808 3118<\/b>mathilde.jakobsen@ambest.com<\/a>\nChristopher Sharkey<\/b>Associate Director, Public Relations<\/b>+1 908 882 2310<\/b>christopher.sharkey@ambest.com<\/a>\nAl Slavin<\/b>Senior Public Relations Specialist<\/b>+1 908 882 2318<\/b>al.slavin@ambest.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"

AMSTERDAM–(BUSINESS WIRE)–#insurance–AM Best has affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Rating of \u201ca\u201d (Excellent) of Unipol Assicurazioni S.p.A. (Unipol) (Italy). The outlook of these Credit Ratings (…<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-30212","post","type-post","status-publish","format-standard","hentry","category-infos-businesswire"],"_links":{"self":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/30212","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=30212"}],"version-history":[{"count":1,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/30212\/revisions"}],"predecessor-version":[{"id":30213,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/30212\/revisions\/30213"}],"wp:attachment":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30212"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30212"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}