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UNICREDIT SPA (CRIN.DE) Stock Fundamental Analysis

FRA:CRIN - IT0005239360 - Common Stock

66.5 EUR
+0.56 (+0.85%)
Last: 9/11/2025, 5:23:38 PM
Fundamental Rating

3

Overall CRIN gets a fundamental rating of 3 out of 10. We evaluated CRIN against 89 industry peers in the Banks industry. CRIN has a medium profitability rating, but doesn't score so well on its financial health evaluation. CRIN has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

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.
The reported operating cash flow has been mixed in the past 5 years: CRIN reported negative operating cash flow in multiple 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

With a decent Return On Assets value of 1.13%, CRIN is doing good in the industry, outperforming 77.53% of the companies in the same industry.
The Return On Equity of CRIN (14.29%) is better than 82.02% 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 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 83.15% 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

A Debt/Equity ratio of 3.14 is on the high side and indicates that CRIN has dependencies on debt financing.
CRIN has a worse Debt to Equity ratio (3.14) than 68.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.57%
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.
Looking at the last year, CRIN shows a small growth in Revenue. The Revenue has grown by 5.45% in the last year.
The Revenue has been growing slightly by 4.09% on average over the past years.
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 6.62% on average per year.
CRIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.05% yearly.
EPS Next Y17.93%
EPS Next 2Y11.99%
EPS Next 3Y11.48%
EPS Next 5Y6.62%
Revenue Next Year-0.32%
Revenue Next 2Y0.84%
Revenue Next 3Y1.48%
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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.14, the valuation of CRIN can be described as very reasonable.
CRIN's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.44. CRIN is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.24 indicates a reasonable valuation of CRIN.
70.79% of the companies in the same industry are more expensive than CRIN, based on the Price/Forward Earnings ratio.
CRIN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.14
Fwd PE 9.24
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)0.54
EPS Next 2Y11.99%
EPS Next 3Y11.48%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.61%, CRIN has a reasonable but not impressive dividend return.
CRIN's Dividend Yield is slightly below the industry average, which is at 5.09.
Compared to an average S&P500 Dividend Yield of 2.45, CRIN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.61%

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 0.5 1 1.5 2 2.5

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.
CRIN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.97%
EPS Next 2Y11.99%
EPS Next 3Y11.48%
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 (9/11/2025, 5:23:38 PM)

66.5

+0.56 (+0.85%)

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 Cap103.59B
Analysts77.39
Price Target67.79 (1.94%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.61%
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)14.08%
PT rev (3m)17.13%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)5.05%
EPS NY rev (1m)8.37%
EPS NY rev (3m)8.37%
Revenue NQ rev (1m)1.26%
Revenue NQ rev (3m)4.38%
Revenue NY rev (1m)0.39%
Revenue NY rev (3m)2.02%
Valuation
Industry RankSector Rank
PE 10.14
Fwd PE 9.24
P/S 3.43
P/FCF N/A
P/OCF N/A
P/B 1.52
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)6.56
EY9.86%
EPS(NY)7.2
Fwd EY10.83%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.57
PEG (5Y)0.54
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
WACC5.57%
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 Y17.93%
EPS Next 2Y11.99%
EPS Next 3Y11.48%
EPS Next 5Y6.62%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%-3.18%
Revenue Next Year-0.32%
Revenue Next 2Y0.84%
Revenue Next 3Y1.48%
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