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UNICREDIT SPA (CRIN.DE) Stock Fundamental Analysis

FRA:CRIN - Deutsche Boerse Ag - IT0005239360 - Common Stock - Currency: EUR

53.36  -1.16 (-2.13%)

Fundamental Rating

3

Taking everything into account, CRIN scores 3 out of 10 in our fundamental rating. CRIN was compared to 99 industry peers in the Banks industry. CRIN may be in some trouble as it scores bad on both profitability and health. CRIN is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CRIN had positive earnings in the past year.
In the past year CRIN has reported a negative cash flow from operations.
CRIN had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: CRIN reported negative operating cash flow in multiple years.
CRIN.DE Yearly Net Income VS EBIT VS OCF VS FCFCRIN.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

The Return On Assets of CRIN (1.24%) is better than 76.34% of its industry peers.
The Return On Equity of CRIN (15.57%) is better than 78.49% of its industry peers.
Industry RankSector Rank
ROA 1.24%
ROE 15.57%
ROIC N/A
ROA(3y)1.06%
ROA(5y)0.61%
ROE(3y)13.49%
ROE(5y)7.61%
ROIC(3y)N/A
ROIC(5y)N/A
CRIN.DE Yearly ROA, ROE, ROICCRIN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

The Profit Margin of CRIN (32.18%) is better than 84.95% of its industry peers.
In the last couple of years the Profit Margin of CRIN has grown nicely.
CRIN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 32.18%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y84.53%
PM growth 5Y19.61%
GM growth 3YN/A
GM growth 5YN/A
CRIN.DE Yearly Profit, Operating, Gross MarginsCRIN.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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1

2. Health

2.1 Basic Checks

CRIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CRIN has less shares outstanding
CRIN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CRIN is higher compared to a year ago.
CRIN.DE Yearly Shares OutstandingCRIN.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B
CRIN.DE Yearly Total Debt VS Total AssetsCRIN.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

A Debt/Equity ratio of 2.92 is on the high side and indicates that CRIN has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.92, CRIN is doing worse than 65.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.92
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.47%
CRIN.DE Yearly LT Debt VS Equity VS FCFCRIN.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CRIN.DE Yearly Current Assets VS Current LiabilitesCRIN.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

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3

3. Growth

3.1 Past

CRIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.46%, which is quite good.
CRIN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.54% yearly.
The Revenue has been growing slightly by 5.45% in the past year.
The Revenue has been growing slightly by 4.09% on average over the past years.
EPS 1Y (TTM)15.46%
EPS 3Y105.85%
EPS 5Y32.54%
EPS Q2Q%0.01%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%149.52%

3.2 Future

CRIN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.60% yearly.
Based on estimates for the next years, CRIN will show a decrease in Revenue. The Revenue will decrease by -0.85% on average per year.
EPS Next Y6.43%
EPS Next 2Y7.03%
EPS Next 3Y8.45%
EPS Next 5Y-1.6%
Revenue Next Year-2.84%
Revenue Next 2Y-1.17%
Revenue Next 3Y-0.19%
Revenue Next 5Y-0.85%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CRIN.DE Yearly Revenue VS EstimatesCRIN.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B
CRIN.DE Yearly EPS VS EstimatesCRIN.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 5 -5

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.00, the valuation of CRIN can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as CRIN.
When comparing the Price/Earnings ratio of CRIN to the average of the S&P500 Index (29.35), we can say CRIN is valued rather cheaply.
A Price/Forward Earnings ratio of 8.71 indicates a reasonable valuation of CRIN.
CRIN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CRIN is cheaper than 74.19% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, CRIN is valued rather cheaply.
Industry RankSector Rank
PE 9
Fwd PE 8.71
CRIN.DE Price Earnings VS Forward Price EarningsCRIN.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CRIN.DE Per share dataCRIN.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

CRIN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.4
PEG (5Y)0.28
EPS Next 2Y7.03%
EPS Next 3Y8.45%

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6

5. Dividend

5.1 Amount

CRIN has a Yearly Dividend Yield of 4.40%, which is a nice return.
CRIN's Dividend Yield is comparable with the industry average which is at 5.06.
Compared to an average S&P500 Dividend Yield of 2.33, CRIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.4%

5.2 History

The dividend of CRIN is nicely growing with an annual growth rate of 38.95%!
Dividend Growth(5Y)38.95%
Div Incr Years3
Div Non Decr Years3
CRIN.DE Yearly Dividends per shareCRIN.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

50.93% of the earnings are spent on dividend by CRIN. This is a bit on the high side, but may be sustainable.
The Dividend Rate of CRIN has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP50.93%
EPS Next 2Y7.03%
EPS Next 3Y8.45%
CRIN.DE Yearly Income VS Free CF VS DividendCRIN.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B 60B 80B
CRIN.DE Dividend Payout.CRIN.DE Dividend Payout, showing the Payout Ratio.CRIN.DE Dividend Payout.PayoutRetained Earnings

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UNICREDIT SPA

FRA:CRIN (3/7/2025, 7:00:00 PM)

53.36

-1.16 (-2.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11 2025-02-11/amc
Earnings (Next)05-06 2025-05-06
Inst Owners47.24%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap83.12B
Analysts78.4
Price Target50.28 (-5.77%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.4%
Yearly Dividend3.03
Dividend Growth(5Y)38.95%
DP50.93%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)77.07%
Min Revenue beat(2)2.73%
Max Revenue beat(2)151.42%
Revenue beat(4)4
Avg Revenue beat(4)40.22%
Min Revenue beat(4)2.73%
Max Revenue beat(4)151.42%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)4.74%
PT rev (3m)7.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.92%
EPS NY rev (1m)0.71%
EPS NY rev (3m)3.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.32%
Revenue NY rev (1m)0.39%
Revenue NY rev (3m)2.09%
Valuation
Industry RankSector Rank
PE 9
Fwd PE 8.71
P/S 2.75
P/FCF N/A
P/OCF N/A
P/B 1.33
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)5.93
EY11.11%
EPS(NY)6.13
Fwd EY11.48%
FCF(TTM)-5.66
FCFYN/A
OCF(TTM)-4.54
OCFYN/A
SpS19.39
BVpS40.09
TBVpS38.65
PEG (NY)1.4
PEG (5Y)0.28
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 15.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.18%
GM N/A
FCFM N/A
ROA(3y)1.06%
ROA(5y)0.61%
ROE(3y)13.49%
ROE(5y)7.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y84.53%
PM growth 5Y19.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.92
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 133.23%
Cap/Sales 5.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC5.47%
ROIC/WACCN/A
Cap/Depr(3y)97.97%
Cap/Depr(5y)95.45%
Cap/Sales(3y)4.61%
Cap/Sales(5y)5.01%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.46%
EPS 3Y105.85%
EPS 5Y32.54%
EPS Q2Q%0.01%
EPS Next Y6.43%
EPS Next 2Y7.03%
EPS Next 3Y8.45%
EPS Next 5Y-1.6%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%149.52%
Revenue Next Year-2.84%
Revenue Next 2Y-1.17%
Revenue Next 3Y-0.19%
Revenue Next 5Y-0.85%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y79.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y82.8%
OCF growth 3YN/A
OCF growth 5YN/A