UNICREDIT SPA(BIT:UCG) stock Fundamental Analysis

Fundamental Rating

UCG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. Both the profitability and financial health of UCG have multiple concerns. 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

UCG had positive earnings in the past year.

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

UCG had positive earnings in 4 of the past 5 years.

In multiple years UCG reported negative operating cash flow during the last 5 years.

1.2 Ratios

UCG's Return On Assets of 1.24% is fine compared to the rest of the industry. UCG outperforms 75.27% of its industry peers.

UCG's Return On Equity of 15.57% is fine compared to the rest of the industry. UCG outperforms 77.42% 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

With an excellent Profit Margin value of 32.18%, UCG belongs to the best of the industry, outperforming 83.87% of the companies in the same industry.

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.

The number of shares outstanding for UCG has been reduced compared to 1 year ago.

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

Compared to 1 year ago, UCG has a worse debt to assets ratio.

2.2 Solvency

UCG has a Debt/Equity ratio of 2.92. This is a high value indicating a heavy dependency on external financing.

UCG has a worse Debt to Equity ratio (2.92) than 66.67% of its industry peers.

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

ROIC/WACCN/A

WACC5.43%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.46% over the past year.

UCG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.54% yearly.

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)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

UCG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.60% yearly.

The Revenue is expected to decrease by -0.85% on average over the next years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.00, the valuation of UCG can be described as reasonable.

UCG's Price/Earnings is on the same level as the industry average.

UCG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.

The Price/Forward Earnings ratio is 8.71, which indicates a very decent valuation of UCG.

73.12% of the companies in the same industry are more expensive than UCG, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 22.10. UCG is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9
Fwd PE	8.71

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)1.4

PEG (5Y)0.28

EPS Next 2Y7.03%

EPS Next 3Y8.45%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.40%, UCG is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.06, 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 2.33.

		Industry Rank	Sector Rank
Dividend Yield	4.4%

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

UCG pays out 50.93% of its income as dividend. This is a bit on the high side, but may be sustainable.

UCG's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP50.93%

EPS Next 2Y7.03%

EPS Next 3Y8.45%

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UNICREDIT SPA

BIT:UCG (3/7/2025, 7:00:00 PM)

53.36

-1.22 (-2.24%)

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 Target50.29 (-5.75%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.4%

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)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)4.75%

PT rev (3m)4.28%

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 Rank	Sector 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 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

WACC5.43%

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

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