UNICREDIT SPA (CRIN.DE) Fundamental Analysis & Valuation

FRA:CRIN • IT0005239360

Current stock price

65.64 EUR
-0.1 (-0.15%)
Last:

This CRIN.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CRIN.DE Profitability Analysis

1.1 Basic Checks

  • CRIN had positive earnings in the past year.
  • In the past year CRIN had a positive cash flow from operations.
  • Each year in the past 5 years CRIN has been profitable.
  • In multiple years CRIN reported negative operating cash flow during the last 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

  • CRIN has a Return On Assets of 1.23%. This is in the better half of the industry: CRIN outperforms 76.24% of its industry peers.
  • With an excellent Return On Equity value of 15.82%, CRIN belongs to the best of the industry, outperforming 80.20% of the companies in the same industry.
Industry RankSector Rank
ROA 1.23%
ROE 15.82%
ROIC N/A
ROA(3y)1.23%
ROA(5y)0.92%
ROE(3y)15.4%
ROE(5y)11.75%
ROIC(3y)N/A
ROIC(5y)N/A
CRIN.DE Yearly ROA, ROE, ROICCRIN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20 -30

1.3 Margins

  • CRIN's Profit Margin of 32.58% is amongst the best of the industry. CRIN outperforms 83.17% 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) 32.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.78%
PM growth 5YN/A
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

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2

2. CRIN.DE Health Analysis

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.
  • CRIN has less shares outstanding than it did 5 years ago.
  • CRIN has a better debt/assets ratio than last year.
CRIN.DE Yearly Shares OutstandingCRIN.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

2.2 Solvency

  • The Debt to FCF ratio of CRIN is 27.43, which is on the high side as it means it would take CRIN, 27.43 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 27.43, CRIN perfoms like the industry average, outperforming 58.42% of the companies in the same industry.
  • A Debt/Equity ratio of 2.94 is on the high side and indicates that CRIN has dependencies on debt financing.
  • The Debt to Equity ratio of CRIN (2.94) is worse than 76.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.94
Debt/FCF 27.43
Altman-Z N/A
ROIC/WACCN/A
WACC5.89%
CRIN.DE Yearly LT Debt VS Equity VS FCFCRIN.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CRIN.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.08% over the past year.
  • The Earnings Per Share has been growing by 31.28% on average over the past years. This is a very strong growth
  • The Revenue has grown by 8.85% in the past year. This is quite good.
  • Measured over the past years, CRIN shows a quite strong growth in Revenue. The Revenue has been growing by 9.97% on average per year.
EPS 1Y (TTM)21.08%
EPS 3Y31.28%
EPS 5YN/A
EPS Q2Q%23.3%
Revenue 1Y (TTM)8.85%
Revenue growth 3Y4.43%
Revenue growth 5Y9.97%
Sales Q2Q%-5.25%

3.2 Future

  • Based on estimates for the next years, CRIN will show a small growth in Earnings Per Share. The EPS will grow by 6.80% on average per year.
  • The Revenue is expected to grow by 2.96% on average over the next years.
EPS Next Y5.36%
EPS Next 2Y8.73%
EPS Next 3Y9.19%
EPS Next 5Y6.8%
Revenue Next Year4.8%
Revenue Next 2Y4.55%
Revenue Next 3Y4.41%
Revenue Next 5Y2.96%

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.
CRIN.DE Yearly Revenue VS EstimatesCRIN.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B
CRIN.DE Yearly EPS VS EstimatesCRIN.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 5 -5

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5

4. CRIN.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.44 indicates a reasonable valuation of CRIN.
  • Compared to the rest of the industry, the Price/Earnings ratio of CRIN indicates a somewhat cheap valuation: CRIN is cheaper than 76.24% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.64. CRIN is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 8.96 indicates a reasonable valuation of CRIN.
  • CRIN's Price/Forward Earnings ratio is rather cheap when compared to the industry. CRIN is cheaper than 85.15% of the companies in the same industry.
  • CRIN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.36.
Industry RankSector Rank
PE 9.44
Fwd PE 8.96
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

  • Based on the Price/Free Cash Flow ratio, CRIN is valued a bit cheaper than 64.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.64
EV/EBITDA N/A
CRIN.DE Per share dataCRIN.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.76
PEG (5Y)N/A
EPS Next 2Y8.73%
EPS Next 3Y9.19%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CRIN.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.89%, CRIN is a good candidate for dividend investing.
  • CRIN's Dividend Yield is comparable with the industry average which is at 4.48.
  • Compared to an average S&P500 Dividend Yield of 1.82, CRIN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.89%

5.2 History

  • The dividend of CRIN is nicely growing with an annual growth rate of 66.02%!
Dividend Growth(5Y)66.02%
Div Incr Years4
Div Non Decr Years4
CRIN.DE Yearly Dividends per shareCRIN.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • 46.76% of the earnings are spent on dividend by CRIN. 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.
DP46.76%
EPS Next 2Y8.73%
EPS Next 3Y9.19%
CRIN.DE Yearly Income VS Free CF VS DividendCRIN.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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CRIN.DE Fundamentals: All Metrics, Ratios and Statistics

UNICREDIT SPA

FRA:CRIN (4/30/2026, 7:00:00 PM)

65.64

-0.1 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength83.78
Industry Growth90.67
Earnings (Last)02-09
Earnings (Next)05-06
Inst Owners52.68%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap98.98B
Revenue(TTM)32.87B
Net Income(TTM)10.71B
Analysts79.2
Price Target81.94 (24.83%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.89%
Yearly Dividend3.27
Dividend Growth(5Y)66.02%
DP46.76%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.25%
Min EPS beat(2)-8.15%
Max EPS beat(2)7.66%
EPS beat(4)3
Avg EPS beat(4)11.92%
Min EPS beat(4)-8.15%
Max EPS beat(4)34.79%
EPS beat(8)6
Avg EPS beat(8)8.41%
EPS beat(12)10
Avg EPS beat(12)16.64%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.43%
Min Revenue beat(2)-5.59%
Max Revenue beat(2)0.74%
Revenue beat(4)2
Avg Revenue beat(4)-0.04%
Min Revenue beat(4)-5.59%
Max Revenue beat(4)6.59%
Revenue beat(8)6
Avg Revenue beat(8)1.26%
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)-3.49%
PT rev (3m)11.25%
EPS NQ rev (1m)3.61%
EPS NQ rev (3m)9.64%
EPS NY rev (1m)-0.39%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)1.61%
Valuation
Industry RankSector Rank
PE 9.44
Fwd PE 8.96
P/S 3.01
P/FCF 13.64
P/OCF 11.61
P/B 1.46
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)6.95
EY10.59%
EPS(NY)7.32
Fwd EY11.16%
FCF(TTM)4.81
FCFY7.33%
OCF(TTM)5.65
OCFY8.61%
SpS21.8
BVpS44.9
TBVpS42.95
PEG (NY)1.76
PEG (5Y)N/A
Graham Number83.7953 (27.66%)
Profitability
Industry RankSector Rank
ROA 1.23%
ROE 15.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.58%
GM N/A
FCFM 22.08%
ROA(3y)1.23%
ROA(5y)0.92%
ROE(3y)15.4%
ROE(5y)11.75%
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 3Y13.78%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.94
Debt/FCF 27.43
Debt/EBITDA N/A
Cap/Depr 98.91%
Cap/Sales 3.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 67.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC5.89%
ROIC/WACCN/A
Cap/Depr(3y)101.01%
Cap/Depr(5y)95.09%
Cap/Sales(3y)4.54%
Cap/Sales(5y)4.38%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.08%
EPS 3Y31.28%
EPS 5YN/A
EPS Q2Q%23.3%
EPS Next Y5.36%
EPS Next 2Y8.73%
EPS Next 3Y9.19%
EPS Next 5Y6.8%
Revenue 1Y (TTM)8.85%
Revenue growth 3Y4.43%
Revenue growth 5Y9.97%
Sales Q2Q%-5.25%
Revenue Next Year4.8%
Revenue Next 2Y4.55%
Revenue Next 3Y4.41%
Revenue Next 5Y2.96%
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 1Y182.34%
FCF growth 3Y-7.24%
FCF growth 5Y-38.41%
OCF growth 1Y220.48%
OCF growth 3Y-6%
OCF growth 5Y-36.62%

UNICREDIT SPA / CRIN.DE Fundamental Analysis FAQ

What is the fundamental rating for CRIN stock?

ChartMill assigns a fundamental rating of 4 / 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.


Can you provide the profitability details for UNICREDIT SPA?

UNICREDIT SPA (CRIN.DE) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for CRIN stock?

The Price/Earnings (PE) ratio for UNICREDIT SPA (CRIN.DE) is 9.44 and the Price/Book (PB) ratio is 1.46.


Can you provide the financial health for CRIN stock?

The financial health rating of UNICREDIT SPA (CRIN.DE) is 2 / 10.