UNICREDIT SPA (CRIN.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:CRIN • IT0005239360

78.62 EUR
+4.69 (+6.34%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

CRIN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. CRIN may be in some trouble as it scores bad on both profitability and health. CRIN has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • CRIN had positive earnings in the past year.
  • CRIN had a negative operating cash flow in the past year.
  • Of the past 5 years CRIN 4 years were 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 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 71.05% of its industry peers.
  • CRIN has a better Return On Equity (14.29%) than 71.93% 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

  • The Profit Margin of CRIN (32.18%) is better than 82.46% 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 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.
  • The number of shares outstanding for CRIN has been reduced compared to 1 year ago.
  • Compared to 5 years ago, CRIN has less shares outstanding
  • Compared to 1 year ago, CRIN has a worse debt to assets ratio.
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

  • A Debt/Equity ratio of 3.14 is on the high side and indicates that CRIN has dependencies on debt financing.
  • With a Debt to Equity ratio value of 3.14, CRIN is not doing good in the industry: 72.81% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.13%
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

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 14.95%, 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.
  • CRIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.09% yearly.
EPS 1Y (TTM)14.95%
EPS 3Y49.15%
EPS 5Y18.66%
EPS Q2Q%8.23%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%0.41%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.63% on average over the next years.
  • Based on estimates for the next years, CRIN will show a small growth in Revenue. The Revenue will grow by 1.06% on average per year.
EPS Next Y19.41%
EPS Next 2Y12.27%
EPS Next 3Y11.79%
EPS Next 5Y6.63%
Revenue Next Year0.29%
Revenue Next 2Y1.67%
Revenue Next 3Y2.16%
Revenue Next 5Y1.06%

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 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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5

4. Valuation

4.1 Price/Earnings Ratio

  • CRIN is valuated reasonably with a Price/Earnings ratio of 11.75.
  • CRIN's Price/Earnings ratio is a bit cheaper when compared to the industry. CRIN is cheaper than 64.04% of the companies in the same industry.
  • CRIN is valuated cheaply when we compare the Price/Earnings ratio to 28.06, which is the current average of the S&P500 Index.
  • CRIN is valuated reasonably with a Price/Forward Earnings ratio of 10.87.
  • 78.95% of the companies in the same industry are more expensive than CRIN, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.86, CRIN is valued rather cheaply.
Industry RankSector Rank
PE 11.75
Fwd PE 10.87
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)0.61
PEG (5Y)0.63
EPS Next 2Y12.27%
EPS Next 3Y11.79%

More info and screens

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

5

5. Dividend

5.1 Amount

  • CRIN has a Yearly Dividend Yield of 3.98%.
  • Compared to an average industry Dividend Yield of 4.12, CRIN has a dividend in line with its industry peers.
  • CRIN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.98%

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

  • 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 2Y12.27%
EPS Next 3Y11.79%
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 (2/9/2026, 7:00:00 PM)

78.62

+4.69 (+6.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22
Earnings (Next)02-09
Inst Owners51.15%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap122.46B
Revenue(TTM)30.20B
Net Income(TTM)9.72B
Analysts77.6
Price Target74.92 (-4.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.98%
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)6.91%
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 11.75
Fwd PE 10.87
P/S 4.05
P/FCF N/A
P/OCF N/A
P/B 1.8
P/tB 1.89
EV/EBITDA N/A
EPS(TTM)6.69
EY8.51%
EPS(NY)7.24
Fwd EY9.2%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.61
PEG (5Y)0.63
Graham Number81.08
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
WACC6.13%
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)14.95%
EPS 3Y49.15%
EPS 5Y18.66%
EPS Q2Q%8.23%
EPS Next Y19.41%
EPS Next 2Y12.27%
EPS Next 3Y11.79%
EPS Next 5Y6.63%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%0.41%
Revenue Next Year0.29%
Revenue Next 2Y1.67%
Revenue Next 3Y2.16%
Revenue Next 5Y1.06%
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 3 / 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.


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 19.41% 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%.