UNICREDIT SPA (CRIN.DE) Stock Fundamental Analysis
Europe - FRA:CRIN - IT0005239360 - Common Stock
66.61 EUR
+0.99 (+1.51%)
We assign a fundamental rating of 3 out of 10 to CRIN. CRIN was compared to 96 industry peers in the Banks industry. Both the profitability and financial health of CRIN have multiple concerns. CRIN has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CRIN was profitable.
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
The Return On Assets of CRIN (1.13%) is better than 76.04% of its industry peers.
With a decent Return On Equity value of 14.29%, CRIN is doing good in the industry, outperforming 77.08% of the companies in the same industry.
| 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
With an excellent Profit Margin value of 32.18%, CRIN belongs to the best of the industry, outperforming 80.21% of the companies in the same industry.
In the last couple of years the Profit Margin of CRIN has grown nicely.
CRIN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
The number of shares outstanding for CRIN has been reduced compared to 1 year ago.
The number of shares outstanding for CRIN has been reduced compared to 5 years ago.
Compared to 1 year ago, CRIN has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 3.14 is on the high side and indicates that CRIN has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.14, CRIN is doing worse than 72.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.66%
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 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.
The Revenue has been growing slightly by 4.09% on average over the past years.
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
Based on estimates for the next years, CRIN will show a small growth in Earnings Per Share. The EPS will grow by 6.94% on average per year.
Based on estimates for the next years, CRIN will show a small growth in Revenue. The Revenue will grow by 1.35% on average per year.
EPS Next Y18.05%
EPS Next 2Y12.23%
EPS Next 3Y11.6%
EPS Next 5Y6.94%
Revenue Next Year-0.13%
Revenue Next 2Y1.2%
Revenue Next 3Y1.75%
Revenue Next 5Y1.35%
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.
4. Valuation
4.1 Price/Earnings Ratio
CRIN is valuated reasonably with a Price/Earnings ratio of 9.96.
Compared to the rest of the industry, the Price/Earnings ratio of CRIN indicates a somewhat cheap valuation: CRIN is cheaper than 63.54% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.35. CRIN is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.21, which indicates a very decent valuation of CRIN.
Based on the Price/Forward Earnings ratio, CRIN is valued cheaper than 82.29% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.72. CRIN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.96 | ||
| Fwd PE | 9.21 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.55
PEG (5Y)0.53
EPS Next 2Y12.23%
EPS Next 3Y11.6%
5. Dividend
5.1 Amount
CRIN has a Yearly Dividend Yield of 4.57%, which is a nice return.
Compared to an average industry Dividend Yield of 4.84, CRIN has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, CRIN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.57% |
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
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 2Y12.23%
EPS Next 3Y11.6%
FRA:CRIN (11/11/2025, 7:00:00 PM)
66.61
+0.99 (+1.51%)
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 Cap103.76B
Revenue(TTM)30.20B
Net Income(TTM)9.72B
Analysts77.6
Price Target70.08 (5.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.57% |
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)1.41%
PT rev (3m)5.94%
EPS NQ rev (1m)0.49%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0.04%
EPS NY rev (3m)8.48%
Revenue NQ rev (1m)-1%
Revenue NQ rev (3m)0.43%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.96 | ||
| Fwd PE | 9.21 | ||
| P/S | 3.44 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.53 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.69
EY10.04%
EPS(NY)7.23
Fwd EY10.85%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.55
PEG (5Y)0.53
Graham Number81.08
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
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 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
WACC5.66%
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 Y18.05%
EPS Next 2Y12.23%
EPS Next 3Y11.6%
EPS Next 5Y6.94%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%0.41%
Revenue Next Year-0.13%
Revenue Next 2Y1.2%
Revenue Next 3Y1.75%
Revenue Next 5Y1.35%
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.
What is the valuation status of UNICREDIT SPA (CRIN.DE) stock?
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.
Can you provide the financial health for CRIN stock?
The financial health rating of UNICREDIT SPA (CRIN.DE) is 1 / 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 18.05% in the next year.