UNICREDIT SPA (CRIN.DE) Stock Fundamental Analysis
Europe - FRA:CRIN - IT0005239360 - Common Stock
67.49 EUR
-0.53 (-0.78%)
Taking everything into account, CRIN scores 3 out of 10 in our fundamental rating. CRIN was compared to 96 industry peers in the Banks industry. CRIN may be in some trouble as it scores bad on both profitability and health. CRIN has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CRIN had positive earnings in the past year.
CRIN had a negative operating cash flow in the past year.
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.
1.2 Ratios
CRIN's Return On Assets of 1.13% is fine compared to the rest of the industry. CRIN outperforms 76.04% of its industry peers.
With a decent Return On Equity value of 14.29%, CRIN is doing good in the industry, outperforming 77.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 14.29% | ||
| 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
CRIN has a better Profit Margin (32.18%) than 80.21% of its industry peers.
CRIN's Profit Margin has improved in the last couple of years.
CRIN 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
2. Health
2.1 Basic Checks
CRIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CRIN has been reduced compared to 1 year ago.
The number of shares outstanding for CRIN has been reduced compared to 5 years ago.
Compared to 1 year ago, CRIN has a worse debt to assets ratio.
2.2 Solvency
CRIN has a Debt/Equity ratio of 3.14. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of CRIN (3.14) is worse than 72.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.95% over the past year.
The Earnings Per Share has been growing by 18.66% on average over the past years. This is quite good.
CRIN shows a small growth in Revenue. In the last year, the Revenue has grown by 5.45%.
The Revenue has been growing slightly by 4.09% on average over the past years.
EPS 1Y (TTM)14.95%
EPS 3Y49.15%
EPS 5Y18.66%
EPS Q2Q%8.23%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%0.41%
3.2 Future
The Earnings Per Share is expected to grow by 6.94% on average over the next years.
The Revenue is expected to grow by 1.35% on average over the next years.
EPS Next Y18.05%
EPS Next 2Y12.23%
EPS Next 3Y11.6%
EPS Next 5Y6.94%
Revenue Next Year-0.13%
Revenue Next 2Y1.2%
Revenue Next 3Y1.75%
Revenue Next 5Y1.35%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.09, which indicates a very decent valuation of CRIN.
CRIN's Price/Earnings is on the same level as the industry average.
CRIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.91.
A Price/Forward Earnings ratio of 9.34 indicates a reasonable valuation of CRIN.
81.25% of the companies in the same industry are more expensive than CRIN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 34.57. CRIN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 9.34 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.56
PEG (5Y)0.54
EPS Next 2Y12.23%
EPS Next 3Y11.6%
5. Dividend
5.1 Amount
CRIN has a Yearly Dividend Yield of 4.57%, which is a nice return.
Compared to an average industry Dividend Yield of 4.84, CRIN has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, CRIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.57% |
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
5.3 Sustainability
CRIN pays out 42.97% of its income as dividend. This is a bit on the high side, but may be sustainable.
CRIN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.97%
EPS Next 2Y12.23%
EPS Next 3Y11.6%
FRA:CRIN (11/13/2025, 7:00:00 PM)
67.49
-0.53 (-0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.66%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap105.13B
Revenue(TTM)30.20B
Net Income(TTM)9.72B
Analysts77.6
Price Target70.08 (3.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.57% |
Yearly Dividend3.03
Dividend Growth(5Y)38.95%
DP42.97%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)24.08%
Min EPS beat(2)13.37%
Max EPS beat(2)34.79%
EPS beat(4)3
Avg EPS beat(4)10.13%
Min EPS beat(4)-15.25%
Max EPS beat(4)34.79%
EPS beat(8)7
Avg EPS beat(8)16.67%
EPS beat(12)11
Avg EPS beat(12)24.22%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)2.36%
Min Revenue beat(2)-1.87%
Max Revenue beat(2)6.59%
Revenue beat(4)3
Avg Revenue beat(4)2.05%
Min Revenue beat(4)-1.87%
Max Revenue beat(4)6.59%
Revenue beat(8)7
Avg Revenue beat(8)2.91%
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)1.41%
PT rev (3m)5.94%
EPS NQ rev (1m)0.49%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0.04%
EPS NY rev (3m)8.48%
Revenue NQ rev (1m)-1%
Revenue NQ rev (3m)0.43%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 9.34 | ||
| P/S | 3.48 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.55 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.69
EY9.91%
EPS(NY)7.23
Fwd EY10.71%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.56
PEG (5Y)0.54
Graham Number81.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 14.29% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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-Score2
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 89.71% | ||
| Cap/Sales | 3.78% | ||
| 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-Score2
WACC5.67%
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)14.95%
EPS 3Y49.15%
EPS 5Y18.66%
EPS Q2Q%8.23%
EPS Next Y18.05%
EPS Next 2Y12.23%
EPS Next 3Y11.6%
EPS Next 5Y6.94%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%0.41%
Revenue Next Year-0.13%
Revenue Next 2Y1.2%
Revenue Next 3Y1.75%
Revenue Next 5Y1.35%
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 1Y94.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y96.9%
OCF growth 3YN/A
OCF growth 5YN/A
UNICREDIT SPA / CRIN.DE FAQ
What is the fundamental rating for CRIN stock?
ChartMill assigns a fundamental rating of 3 / 10 to CRIN.DE.
What is the valuation status of UNICREDIT SPA (CRIN.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to UNICREDIT SPA (CRIN.DE). This can be considered as Fairly Valued.
How profitable is UNICREDIT SPA (CRIN.DE) stock?
UNICREDIT SPA (CRIN.DE) has a profitability rating of 3 / 10.
Can you provide the financial health for CRIN stock?
The financial health rating of UNICREDIT SPA (CRIN.DE) is 1 / 10.
What is the expected EPS growth for UNICREDIT SPA (CRIN.DE) stock?
The Earnings per Share (EPS) of UNICREDIT SPA (CRIN.DE) is expected to grow by 18.05% in the next year.