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UNICREDIT SPA (CRIN.DE) Stock Fundamental Analysis

FRA:CRIN - Deutsche Boerse Ag - IT0005239360 - Common Stock - Currency: EUR

69.15  +0.31 (+0.45%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CRIN. CRIN was compared to 96 industry peers in the Banks industry. CRIN has a bad profitability rating. Also its financial health evaluation is rather negative. CRIN has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CRIN had positive earnings in the past year.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

The Return On Assets of CRIN (1.13%) is better than 77.08% of its industry peers.
With a decent Return On Equity value of 14.29%, CRIN is doing good in the industry, outperforming 78.13% of the companies in the same industry.
Industry RankSector 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
CRIN.DE Yearly ROA, ROE, ROICCRIN.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

The Profit Margin of CRIN (32.18%) is better than 82.29% 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 RankSector 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
CRIN.DE Yearly Profit, Operating, Gross MarginsCRIN.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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1

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.
The debt/assets ratio for CRIN is higher compared to a year ago.
CRIN.DE Yearly Shares OutstandingCRIN.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

CRIN has a Debt/Equity ratio of 3.14. This is a high value indicating a heavy dependency on external financing.
CRIN has a Debt to Equity ratio of 3.14. This is in the lower half of the industry: CRIN underperforms 67.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.56%
CRIN.DE Yearly LT Debt VS Equity VS FCFCRIN.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

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4

3. Growth

3.1 Past

CRIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.41%, which is quite good.
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%.
CRIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.09% yearly.
EPS 1Y (TTM)18.41%
EPS 3Y49.15%
EPS 5Y18.66%
EPS Q2Q%34.16%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%-3.18%

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 6.60% on average per year.
The Revenue is expected to grow by 1.03% on average over the next years.
EPS Next Y8.82%
EPS Next 2Y8.49%
EPS Next 3Y9.69%
EPS Next 5Y6.6%
Revenue Next Year-0.71%
Revenue Next 2Y0.52%
Revenue Next 3Y1.23%
Revenue Next 5Y1.03%

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.
CRIN.DE Yearly Revenue VS EstimatesCRIN.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
CRIN.DE Yearly EPS VS EstimatesCRIN.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 5 -5

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.54, the valuation of CRIN can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as CRIN.
CRIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.86.
A Price/Forward Earnings ratio of 10.24 indicates a reasonable valuation of CRIN.
CRIN's Price/Forward Earnings is on the same level as the industry average.
CRIN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.94.
Industry RankSector Rank
PE 10.54
Fwd PE 10.24
CRIN.DE Price Earnings VS Forward Price EarningsCRIN.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CRIN.DE Per share dataCRIN.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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)1.2
PEG (5Y)0.56
EPS Next 2Y8.49%
EPS Next 3Y9.69%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.48%, CRIN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.86, CRIN is paying slightly less dividend.
CRIN's Dividend Yield is a higher than the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 3.48%

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
CRIN.DE Yearly Dividends per shareCRIN.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

42.97% of the earnings are spent on dividend by CRIN. 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 2Y8.49%
EPS Next 3Y9.69%
CRIN.DE Yearly Income VS Free CF VS DividendCRIN.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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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UNICREDIT SPA

FRA:CRIN (8/21/2025, 5:25:31 PM)

69.15

+0.31 (+0.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/bmo
Earnings (Next)10-27 2025-10-27
Inst Owners43.36%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap107.71B
Analysts76.36
Price Target66.15 (-4.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.48%
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)10.67%
PT rev (3m)21.97%
EPS NQ rev (1m)3.04%
EPS NQ rev (3m)4.86%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)2.42%
Revenue NQ rev (3m)3.08%
Revenue NY rev (1m)1.62%
Revenue NY rev (3m)1.62%
Valuation
Industry RankSector Rank
PE 10.54
Fwd PE 10.24
P/S 3.57
P/FCF N/A
P/OCF N/A
P/B 1.58
P/tB 1.66
EV/EBITDA N/A
EPS(TTM)6.56
EY9.49%
EPS(NY)6.76
Fwd EY9.77%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)1.2
PEG (5Y)0.56
Profitability
Industry RankSector 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
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-Score2
Asset Turnover0.04
Health
Industry RankSector 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
WACC5.56%
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)18.41%
EPS 3Y49.15%
EPS 5Y18.66%
EPS Q2Q%34.16%
EPS Next Y8.82%
EPS Next 2Y8.49%
EPS Next 3Y9.69%
EPS Next 5Y6.6%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%-3.18%
Revenue Next Year-0.71%
Revenue Next 2Y0.52%
Revenue Next 3Y1.23%
Revenue Next 5Y1.03%
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