UNICREDIT SPA (CRIN.DE) Stock Fundamental Analysis
Europe - FRA:CRIN - IT0005239360 - Common Stock
63.81 EUR
+0.35 (+0.55%)
We assign a fundamental rating of 3 out of 10 to CRIN. CRIN was compared to 97 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
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.
1.2 Ratios
CRIN has a better Return On Assets (1.13%) than 75.26% of its industry peers.
CRIN has a better Return On Equity (14.29%) than 79.38% 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
Looking at the Profit Margin, with a value of 32.18%, CRIN belongs to the top of the industry, outperforming 82.47% of the companies in the same industry.
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.
CRIN has less shares outstanding than it did 1 year ago.
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.
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 worse Debt to Equity ratio (3.14) than 70.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.6%
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 18.41%, which is quite good.
CRIN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.66% yearly.
The Revenue has been growing slightly by 5.45% in the past 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)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
CRIN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.62% yearly.
The Revenue is expected to grow by 1.05% on average over the next years.
EPS Next Y18%
EPS Next 2Y11.74%
EPS Next 3Y11.49%
EPS Next 5Y6.62%
Revenue Next Year-0.14%
Revenue Next 2Y0.92%
Revenue Next 3Y1.54%
Revenue Next 5Y1.05%
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
CRIN is valuated reasonably with a Price/Earnings ratio of 9.73.
Compared to the rest of the industry, the Price/Earnings ratio of CRIN is on the same level as its industry peers.
CRIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.86.
Based on the Price/Forward Earnings ratio of 8.90, the valuation of CRIN can be described as reasonable.
Based on the Price/Forward Earnings ratio, CRIN is valued a bit cheaper than the industry average as 79.38% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.32. CRIN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.73 | ||
| Fwd PE | 8.9 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CRIN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.54
PEG (5Y)0.52
EPS Next 2Y11.74%
EPS Next 3Y11.49%
5. Dividend
5.1 Amount
CRIN has a Yearly Dividend Yield of 3.74%.
Compared to an average industry Dividend Yield of 5.02, CRIN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, CRIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
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
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 2Y11.74%
EPS Next 3Y11.49%
FRA:CRIN (10/3/2025, 7:00:00 PM)
63.81
+0.35 (+0.55%)
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 Cap99.40B
Analysts77.39
Price Target68.96 (8.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
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)3.46%
PT rev (3m)15.37%
EPS NQ rev (1m)0.45%
EPS NQ rev (3m)4.88%
EPS NY rev (1m)0.06%
EPS NY rev (3m)8.44%
Revenue NQ rev (1m)1.26%
Revenue NQ rev (3m)4.38%
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)2.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.73 | ||
| Fwd PE | 8.9 | ||
| P/S | 3.29 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.46 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.56
EY10.28%
EPS(NY)7.17
Fwd EY11.23%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.54
PEG (5Y)0.52
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
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 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
WACC5.6%
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 Y18%
EPS Next 2Y11.74%
EPS Next 3Y11.49%
EPS Next 5Y6.62%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%-3.18%
Revenue Next Year-0.14%
Revenue Next 2Y0.92%
Revenue Next 3Y1.54%
Revenue Next 5Y1.05%
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