UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis

BIT:UCG • IT0005239360

72.41 EUR
-1.35 (-1.83%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

Taking everything into account, UCG scores 2 out of 10 in our fundamental rating. UCG was compared to 108 industry peers in the Banks industry. UCG has a bad profitability rating. Also its financial health evaluation is rather negative. UCG has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year UCG was profitable.
  • In the past year UCG has reported a negative cash flow from operations.
  • UCG had positive earnings in 4 of the past 5 years.
  • In the past 5 years UCG reported 4 times negative operating cash flow.
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 Return On Assets of 1.13%. This is in the better half of the industry: UCG outperforms 72.22% of its industry peers.
  • UCG's Return On Equity of 14.29% is fine compared to the rest of the industry. UCG outperforms 74.07% 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

  • With an excellent Profit Margin value of 32.18%, UCG belongs to the best of the industry, outperforming 82.41% of the companies in the same industry.
  • In the last couple of years the Profit Margin of UCG has grown nicely.
  • The Operating Margin and Gross Margin are not available for UCG 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
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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0

2. Health

2.1 Basic Checks

  • UCG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • UCG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
  • UCG has a worse Debt to Equity ratio (3.14) than 75.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.05%
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

2

3. Growth

3.1 Past

  • UCG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.08%, which is quite impressive.
EPS 1Y (TTM)21.08%
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

  • The Earnings Per Share is expected to grow by 5.13% on average over the next years.
  • Based on estimates for the next years, UCG will show a small growth in Revenue. The Revenue will grow by 1.59% on average per year.
EPS Next Y4.11%
EPS Next 2Y7.42%
EPS Next 3Y8.15%
EPS Next 5Y5.13%
Revenue Next Year4.42%
Revenue Next 2Y4.22%
Revenue Next 3Y4.1%
Revenue Next 5Y1.59%

3.3 Evolution

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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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.42, which indicates a very decent valuation of UCG.
  • 66.67% of the companies in the same industry are more expensive than UCG, based on the Price/Earnings ratio.
  • UCG is valuated cheaply when we compare the Price/Earnings ratio to 27.10, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 10.01, the valuation of UCG can be described as reasonable.
  • 78.70% of the companies in the same industry are more expensive than UCG, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. UCG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.42
Fwd PE 10.01
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.54
PEG (5Y)N/A
EPS Next 2Y7.42%
EPS Next 3Y8.15%

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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 3.99%, UCG has a reasonable but not impressive dividend return.
  • UCG's Dividend Yield is comparable with the industry average which is at 4.37.
  • UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.99%

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.
  • The dividend of UCG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.97%
EPS Next 2Y7.42%
EPS Next 3Y8.15%
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 (2/27/2026, 7:00:00 PM)

72.41

-1.35 (-1.83%)

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 Cap112.79B
Revenue(TTM)N/A
Net Income(TTM)9.72B
Analysts76.15
Price Target74.9 (3.44%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.99%
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)1.65%
PT rev (3m)6.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 10.42
Fwd PE 10.01
P/S 3.73
P/FCF N/A
P/OCF N/A
P/B 1.66
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)6.95
EY9.6%
EPS(NY)7.24
Fwd EY9.99%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)2.54
PEG (5Y)N/A
Graham Number82.64
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
WACC6.05%
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)21.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%23.3%
EPS Next Y4.11%
EPS Next 2Y7.42%
EPS Next 3Y8.15%
EPS Next 5Y5.13%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-5.25%
Revenue Next Year4.42%
Revenue Next 2Y4.22%
Revenue Next 3Y4.1%
Revenue Next 5Y1.59%
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 2 / 10 to UCG.MI.


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

ChartMill assigns a valuation rating of 4 / 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 10.42 and the Price/Book (PB) ratio is 1.66.


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 4.11% in the next year.