UNICREDIT SPA (CRIN.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:CRIN • IT0005239360
75.16 EUR
-1.43 (-1.87%)
Last: Feb 11, 2026, 02:14 PM
Taking everything into account, CRIN scores 3 out of 10 in our fundamental rating. CRIN was compared to 114 industry peers in the Banks industry. Both the profitability and financial health of CRIN have multiple concerns. CRIN has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year CRIN was profitable.
- In the past year CRIN has reported a negative cash flow from operations.
- CRIN had positive earnings in 4 of the past 5 years.
- In multiple years CRIN reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of CRIN (1.13%) is better than 70.18% of its industry peers.
- CRIN has a better Return On Equity (14.29%) than 71.05% of its industry peers.
| 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's Profit Margin of 32.18% is amongst the best of the industry. CRIN outperforms 81.58% of its industry peers.
- In the last couple of years the Profit Margin of CRIN has grown nicely.
- The Operating Margin and Gross Margin are not available for CRIN so they could not be analyzed.
| 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.
- Compared to 1 year ago, CRIN has less shares outstanding
- 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
- A Debt/Equity ratio of 3.14 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 3.14, CRIN is doing worse than 73.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- CRIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.95%, which is quite good.
- Measured over the past years, CRIN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.66% on average per year.
- Looking at the last year, CRIN shows a small growth in Revenue. The Revenue has grown by 5.45% in the last year.
- Measured over the past years, CRIN shows a small growth in Revenue. The Revenue has been growing by 4.09% on average per year.
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 6.63% on average over the next years.
- The Revenue is expected to grow by 1.06% on average over the next years.
EPS Next Y19.41%
EPS Next 2Y12.27%
EPS Next 3Y11.79%
EPS Next 5Y6.63%
Revenue Next Year0.29%
Revenue Next 2Y1.67%
Revenue Next 3Y2.16%
Revenue Next 5Y1.06%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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
- Based on the Price/Earnings ratio of 11.23, the valuation of CRIN can be described as reasonable.
- CRIN's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 28.03, CRIN is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.39, the valuation of CRIN can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, CRIN is valued a bit cheaper than the industry average as 71.05% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, CRIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.23 | ||
| Fwd PE | 10.39 |
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)0.58
PEG (5Y)0.6
EPS Next 2Y12.27%
EPS Next 3Y11.79%
5. Dividend
5.1 Amount
- CRIN has a Yearly Dividend Yield of 3.98%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 4.12, CRIN has a dividend in line with its industry peers.
- CRIN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
5.2 History
- On average, the dividend of CRIN grows each year by 38.95%, which is quite nice.
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.
- The dividend of CRIN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.97%
EPS Next 2Y12.27%
EPS Next 3Y11.79%
FRA:CRIN (2/11/2026, 2:14:50 PM)
75.16
-1.43 (-1.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)02-09 2026-02-09/amc
Inst Owners51.15%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap117.08B
Revenue(TTM)30.20B
Net Income(TTM)9.72B
Analysts77.6
Price Target74.92 (-0.32%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
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)3.62%
PT rev (3m)6.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)1.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.23 | ||
| Fwd PE | 10.39 | ||
| P/S | 3.88 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.72 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.69
EY8.9%
EPS(NY)7.24
Fwd EY9.63%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.58
PEG (5Y)0.6
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
WACC6.14%
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 Y19.41%
EPS Next 2Y12.27%
EPS Next 3Y11.79%
EPS Next 5Y6.63%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%0.41%
Revenue Next Year0.29%
Revenue Next 2Y1.67%
Revenue Next 3Y2.16%
Revenue Next 5Y1.06%
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.
Can you provide the valuation status for UNICREDIT SPA?
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.
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 19.41% in the next year.
Can you provide the dividend sustainability for CRIN stock?
The dividend rating of UNICREDIT SPA (CRIN.DE) is 5 / 10 and the dividend payout ratio is 42.97%.