UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:UCG • IT0005239360

73.94 EUR
+0.93 (+1.27%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall UCG gets a fundamental rating of 3 out of 10. We evaluated UCG against 111 industry peers in the Banks industry. Both the profitability and financial health of UCG have multiple concerns. UCG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • UCG had positive earnings in the past year.
  • In the past year UCG has reported a negative cash flow from operations.
  • Of the past 5 years UCG 4 years were profitable.
  • In multiple years UCG reported negative operating cash flow during the last 5 years.
UCG.MI Yearly Net Income VS EBIT VS OCF VS FCFUCG.MI 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

  • UCG has a better Return On Assets (1.13%) than 77.48% of its industry peers.
  • UCG has a better Return On Equity (14.29%) than 76.58% 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
UCG.MI Yearly ROA, ROE, ROICUCG.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

  • UCG's Profit Margin of 32.18% is amongst the best of the industry. UCG outperforms 81.08% of its industry peers.
  • UCG's Profit Margin has improved in the last couple of years.
  • UCG 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
UCG.MI Yearly Profit, Operating, Gross MarginsUCG.MI 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

  • UCG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, UCG has less shares outstanding
  • UCG has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for UCG is higher compared to a year ago.
UCG.MI Yearly Shares OutstandingUCG.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B
UCG.MI Yearly Total Debt VS Total AssetsUCG.MI 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

  • UCG has a Debt/Equity ratio of 3.14. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of UCG (3.14) is worse than 75.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.08%
UCG.MI Yearly LT Debt VS Equity VS FCFUCG.MI 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
UCG.MI Yearly Current Assets VS Current LiabilitesUCG.MI 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

  • The Earnings Per Share has grown by an nice 14.95% over the past year.
  • Measured over the past years, UCG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.66% on average per year.
  • UCG shows a small growth in Revenue. In the last year, the Revenue has grown by 5.45%.
  • UCG 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.
  • The Revenue is expected to grow by 1.06% on average over the next years.
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

  • 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.
UCG.MI Yearly Revenue VS EstimatesUCG.MI 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
UCG.MI Yearly EPS VS EstimatesUCG.MI 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

  • A Price/Earnings ratio of 11.05 indicates a reasonable valuation of UCG.
  • Based on the Price/Earnings ratio, UCG is valued a bit cheaper than 63.06% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of UCG to the average of the S&P500 Index (27.92), we can say UCG is valued rather cheaply.
  • UCG is valuated reasonably with a Price/Forward Earnings ratio of 10.22.
  • Based on the Price/Forward Earnings ratio, UCG is valued a bit cheaper than the industry average as 76.58% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of UCG to the average of the S&P500 Index (27.78), we can say UCG is valued rather cheaply.
Industry RankSector Rank
PE 11.05
Fwd PE 10.22
UCG.MI Price Earnings VS Forward Price EarningsUCG.MI 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
UCG.MI Per share dataUCG.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • UCG's 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)0.59
EPS Next 2Y12.27%
EPS Next 3Y11.79%

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

6

5. Dividend

5.1 Amount

  • UCG has a Yearly Dividend Yield of 4.02%, which is a nice return.
  • UCG's Dividend Yield is comparable with the industry average which is at 4.10.
  • UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 4.02%

5.2 History

  • The dividend of UCG is nicely growing with an annual growth rate of 38.95%!
Dividend Growth(5Y)38.95%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • UCG pays out 42.97% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • UCG'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%
UCG.MI Yearly Income VS Free CF VS DividendUCG.MI 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
UCG.MI Dividend Payout.UCG.MI Dividend Payout, showing the Payout Ratio.UCG.MI Dividend Payout.PayoutRetained Earnings

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UNICREDIT SPA

BIT:UCG (2/6/2026, 7:00:00 PM)

73.94

+0.93 (+1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22
Earnings (Next)02-05
Inst Owners51.15%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap115.17B
Revenue(TTM)30.20B
Net Income(TTM)9.72B
Analysts77.6
Price Target73.68 (-0.35%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.02%
Yearly Dividend3.03
Dividend Growth(5Y)38.95%
DP42.97%
Div Incr Years0
Div Non Decr Years0
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)1.84%
PT rev (3m)5.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)1.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.26%
Valuation
Industry RankSector Rank
PE 11.05
Fwd PE 10.22
P/S 3.81
P/FCF N/A
P/OCF N/A
P/B 1.69
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)6.69
EY9.05%
EPS(NY)7.24
Fwd EY9.79%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.57
PEG (5Y)0.59
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
WACC6.08%
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 / UCG.MI FAQ

What is the ChartMill fundamental rating of UNICREDIT SPA (UCG.MI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to UCG.MI.


What is the valuation status of UNICREDIT SPA (UCG.MI) stock?

ChartMill assigns a valuation rating of 5 / 10 to UNICREDIT SPA (UCG.MI). This can be considered as Fairly Valued.


How profitable is UNICREDIT SPA (UCG.MI) stock?

UNICREDIT SPA (UCG.MI) has a profitability rating of 3 / 10.


What is the valuation of UNICREDIT SPA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UNICREDIT SPA (UCG.MI) is 11.05 and the Price/Book (PB) ratio is 1.69.


What is the expected EPS growth for UNICREDIT SPA (UCG.MI) stock?

The Earnings per Share (EPS) of UNICREDIT SPA (UCG.MI) is expected to grow by 19.41% in the next year.