UNICREDIT SPA (CRIN.DE) Stock Fundamental Analysis

FRA:CRIN • IT0005239360

72.56 EUR
-2.11 (-2.83%)
Last: Feb 19, 2026, 05:28 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

CRIN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 110 industry peers in the Banks industry. CRIN has a bad profitability rating. Also its financial health evaluation is rather negative. CRIN has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year CRIN was profitable.
  • CRIN had a negative operating cash flow in the past year.
  • Of the past 5 years CRIN 4 years were profitable.
  • CRIN had negative operating cash flow in 4 of the past 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 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

  • CRIN has a Return On Assets of 1.13%. This is in the better half of the industry: CRIN outperforms 71.82% of its industry peers.
  • CRIN has a Return On Equity of 14.29%. This is in the better half of the industry: CRIN outperforms 73.64% of its industry peers.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

  • Looking at the Profit Margin, with a value of 32.18%, CRIN belongs to the top of the industry, outperforming 82.73% of the companies in the same industry.
  • CRIN's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CRIN so they could not be analyzed.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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0

2. Health

2.1 Basic Checks

  • CRIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for CRIN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CRIN.DE Yearly Shares OutstandingCRIN.DE Yearly Shares OutstandingYearly Shares Outstanding 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 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.
  • Looking at the Debt to Equity ratio, with a value of 3.14, CRIN is doing worse than 75.45% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.07%
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 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 20B 40B 60B 80B

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

2

3. Growth

3.1 Past

  • CRIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.73%, which is quite impressive.
EPS 1Y (TTM)20.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%23.3%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 5.21% on average per year.
  • The Revenue is expected to grow by 1.57% on average over the next years.
EPS Next Y4.41%
EPS Next 2Y7.57%
EPS Next 3Y8.26%
EPS Next 5Y5.21%
Revenue Next Year3.06%
Revenue Next 2Y3.11%
Revenue Next 3Y3.35%
Revenue Next 5Y1.57%

3.3 Evolution

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 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 0 5 -5

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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.47, which indicates a very decent valuation of CRIN.
  • 63.64% of the companies in the same industry are more expensive than CRIN, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of CRIN to the average of the S&P500 Index (27.09), we can say CRIN is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.03 indicates a reasonable valuation of CRIN.
  • 72.73% of the companies in the same industry are more expensive than CRIN, based on the Price/Forward Earnings ratio.
  • CRIN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.98.
Industry RankSector Rank
PE 10.47
Fwd PE 10.03
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

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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CRIN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.38
PEG (5Y)N/A
EPS Next 2Y7.57%
EPS Next 3Y8.26%

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.92%, CRIN has a reasonable but not impressive dividend return.
  • CRIN's Dividend Yield is comparable with the industry average which is at 4.33.
  • CRIN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 3.92%

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
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

  • 42.97% 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.
DP42.97%
EPS Next 2Y7.57%
EPS Next 3Y8.26%
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 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 (2/19/2026, 5:28:33 PM)

72.56

-2.11 (-2.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-09
Earnings (Next)05-11
Inst Owners51.15%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap113.03B
Revenue(TTM)N/A
Net Income(TTM)9.72B
Analysts76.15
Price Target74.92 (3.25%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.92%
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)6.88%
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 RankSector Rank
PE 10.47
Fwd PE 10.03
P/S 3.74
P/FCF N/A
P/OCF N/A
P/B 1.66
P/tB 1.75
EV/EBITDA N/A
EPS(TTM)6.93
EY9.55%
EPS(NY)7.24
Fwd EY9.97%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)2.38
PEG (5Y)N/A
Graham Number82.52
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
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 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
WACC6.07%
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)20.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%23.3%
EPS Next Y4.41%
EPS Next 2Y7.57%
EPS Next 3Y8.26%
EPS Next 5Y5.21%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-5.25%
Revenue Next Year3.06%
Revenue Next 2Y3.11%
Revenue Next 3Y3.35%
Revenue Next 5Y1.57%
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 2 / 10 to CRIN.DE.


Can you provide the valuation status for UNICREDIT SPA?

ChartMill assigns a valuation rating of 4 / 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 4.41% 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%.