UNICREDIT SPA(BIT:UCG) stock Fundamental Analysis

Fundamental Rating

Overall UCG gets a fundamental rating of 3 out of 10. We evaluated UCG against 95 industry peers in the Banks industry. While UCG is still in line with the averages on profitability rating, there are concerns on its financial health. UCG has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year UCG was profitable.

In the past year UCG has reported a negative cash flow from operations.

Of the past 5 years UCG 4 years were profitable.

The reported operating cash flow has been mixed in the past 5 years: UCG reported negative operating cash flow in multiple years.

1.2 Ratios

UCG's Return On Assets of 1.24% is fine compared to the rest of the industry. UCG outperforms 78.95% of its industry peers.

UCG has a better Return On Equity (15.57%) than 81.05% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

UCG has a Profit Margin of 32.18%. This is amongst the best in the industry. UCG outperforms 84.21% of its industry peers.

UCG's Profit Margin has improved in the last couple of years.

UCG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

UCG does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, UCG has less shares outstanding

The number of shares outstanding for UCG has been reduced compared to 5 years ago.

The debt/assets ratio for UCG is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 2.92 is on the high side and indicates that UCG has dependencies on debt financing.

UCG has a worse Debt to Equity ratio (2.92) than 71.58% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.92
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.7%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 25.05% over the past year.

The Earnings Per Share has been growing by 18.66% on average over the past years. This is quite good.

Looking at the last year, UCG shows a small growth in Revenue. The Revenue has grown by 5.45% in the last year.

The Revenue has been growing slightly by 4.09% on average over the past years.

EPS 1Y (TTM)25.05%

EPS 3Y49.15%

EPS 5Y18.66%

EPS Q2Q%-7.21%

Revenue 1Y (TTM)5.45%

Revenue growth 3Y0.8%

Revenue growth 5Y4.09%

Sales Q2Q%0.38%

3.2 Future

Based on estimates for the next years, UCG will show a decrease in Earnings Per Share. The EPS will decrease by -2.36% on average per year.

UCG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.68% yearly.

EPS Next Y8.82%

EPS Next 2Y8.49%

EPS Next 3Y9.69%

EPS Next 5Y-2.36%

Revenue Next Year-2.29%

Revenue Next 2Y-0.67%

Revenue Next 3Y0.38%

Revenue Next 5Y-1.68%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

UCG is valuated reasonably with a Price/Earnings ratio of 8.86.

Compared to the rest of the industry, the Price/Earnings ratio of UCG is on the same level as its industry peers.

Compared to an average S&P500 Price/Earnings ratio of 28.79, UCG is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.14, the valuation of UCG can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of UCG indicates a somewhat cheap valuation: UCG is cheaper than 69.47% of the companies listed in the same industry.

UCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.86
Fwd PE	8.14

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

UCG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.01

PEG (5Y)0.47

EPS Next 2Y8.49%

EPS Next 3Y9.69%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.85%, UCG is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.50, UCG has a dividend in line with its industry peers.

UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.47.

		Industry Rank	Sector Rank
Dividend Yield	4.85%

5.2 History

The dividend of UCG is nicely growing with an annual growth rate of 38.95%!

Dividend Growth(5Y)38.95%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

50.93% of the earnings are spent on dividend by UCG. This is a bit on the high side, but may be sustainable.

The Dividend Rate of UCG has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP50.93%

EPS Next 2Y8.49%

EPS Next 3Y9.69%

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UNICREDIT SPA

BIT:UCG (4/25/2025, 7:00:00 PM)

50.87

+1.36 (+2.75%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-11 2025-02-11/bmo

Earnings (Next)05-07 2025-05-07

Inst Owners47.24%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap79.24B

Analysts78.4

Price Target53.92 (6%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.85%

Yearly Dividend3.03

Dividend Growth(5Y)38.95%

DP50.93%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-3.81%

Min EPS beat(2)-15.25%

Max EPS beat(2)7.64%

EPS beat(4)3

Avg EPS beat(4)4.91%

Min EPS beat(4)-15.25%

Max EPS beat(4)15.51%

EPS beat(8)7

Avg EPS beat(8)19.01%

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)1.74%

Min Revenue beat(2)0.76%

Max Revenue beat(2)2.73%

Revenue beat(4)4

Avg Revenue beat(4)2.55%

Min Revenue beat(4)0.76%

Max Revenue beat(4)3.93%

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)7.23%

PT rev (3m)11.78%

EPS NQ rev (1m)-3.12%

EPS NQ rev (3m)-0.32%

EPS NY rev (1m)0.99%

EPS NY rev (3m)5.05%

Revenue NQ rev (1m)-0.72%

Revenue NQ rev (3m)0.19%

Revenue NY rev (1m)0.57%

Revenue NY rev (3m)0.96%

Valuation

		Industry Rank	Sector Rank
PE	8.86
Fwd PE	8.14
P/S	2.62
P/FCF	N/A
P/OCF	N/A
P/B	1.27
P/tB	1.32
EV/EBITDA	N/A

EPS(TTM)5.74

EY11.28%

EPS(NY)6.25

Fwd EY12.28%

FCF(TTM)-5.66

FCFYN/A

OCF(TTM)-4.54

OCFYN/A

SpS19.39

BVpS40.09

TBVpS38.65

PEG (NY)1.01

PEG (5Y)0.47

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC5.7%

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)25.05%

EPS 3Y49.15%

EPS 5Y18.66%

EPS Q2Q%-7.21%

EPS Next Y8.82%

EPS Next 2Y8.49%

EPS Next 3Y9.69%

EPS Next 5Y-2.36%

Revenue 1Y (TTM)5.45%

Revenue growth 3Y0.8%

Revenue growth 5Y4.09%

Sales Q2Q%0.38%

Revenue Next Year-2.29%

Revenue Next 2Y-0.67%

Revenue Next 3Y0.38%

Revenue Next 5Y-1.68%

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

UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens