UNICREDIT SPA(BIT:UCG) stock Fundamental Analysis

Fundamental Rating

UCG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. There are concerns on the financial health of UCG while its profitability can be described as average. UCG has a valuation in line with the averages, but on the other hand it scores bad on growth.

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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.

Of the past 5 years UCG 4 years were profitable.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 1.24%, UCG is in the better half of the industry, outperforming 79.38% of the companies in the same industry.

UCG's Return On Equity of 15.57% is amongst the best of the industry. UCG outperforms 81.44% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.24%
ROE	15.57%
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

UCG has a Profit Margin of 32.18%. This is amongst the best in the industry. UCG outperforms 84.54% of its industry peers.

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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 5 years ago, UCG has less shares outstanding

The debt/assets ratio for UCG is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 2.92 is on the high side and indicates that UCG has dependencies on debt financing.

The Debt to Equity ratio of UCG (2.92) is worse than 71.13% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.92
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.75%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 25.05% over the past year.

UCG 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.

UCG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.09% yearly.

EPS 1Y (TTM)25.05%

EPS 3Y49.15%

EPS 5Y18.66%

EPS Q2Q%-7.21%

Revenue 1Y (TTM)5.45%

Revenue growth 3Y0.8%

Revenue growth 5Y4.09%

Sales Q2Q%0.38%

3.2 Future

UCG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.36% yearly.

Based on estimates for the next years, UCG will show a decrease in Revenue. The Revenue will decrease by -1.68% on average per year.

EPS Next Y8.82%

EPS Next 2Y8.49%

EPS Next 3Y9.69%

EPS Next 5Y-2.36%

Revenue Next Year-2.29%

Revenue Next 2Y-0.67%

Revenue Next 3Y0.38%

Revenue Next 5Y-1.68%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.17 indicates a reasonable valuation of UCG.

The rest of the industry has a similar Price/Earnings ratio as UCG.

Compared to an average S&P500 Price/Earnings ratio of 28.22, UCG is valued rather cheaply.

A Price/Forward Earnings ratio of 8.42 indicates a reasonable valuation of UCG.

Compared to the rest of the industry, the Price/Forward Earnings ratio of UCG indicates a somewhat cheap valuation: UCG is cheaper than 71.13% of the companies listed in the same industry.

UCG is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.86, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.17
Fwd PE	8.42

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.04

PEG (5Y)0.49

EPS Next 2Y8.49%

EPS Next 3Y9.69%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.85%, UCG is a good candidate for dividend investing.

UCG's Dividend Yield is comparable with the industry average which is at 5.42.

Compared to an average S&P500 Dividend Yield of 2.44, UCG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.85%

5.2 History

On average, the dividend of UCG grows each year by 38.95%, which is quite nice.

Dividend Growth(5Y)38.95%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

50.93% of the earnings are spent on dividend by UCG. This is a bit on the high side, but may be sustainable.

UCG's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP50.93%

EPS Next 2Y8.49%

EPS Next 3Y9.69%

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UNICREDIT SPA

BIT:UCG (5/2/2025, 7:00:00 PM)

52.62

+1.65 (+3.24%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-11 2025-02-11/bmo

Earnings (Next)05-07 2025-05-07

Inst Owners47.24%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap81.97B

Analysts78.4

Price Target53.92 (2.47%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.85%

Yearly Dividend3.03

Dividend Growth(5Y)38.95%

DP50.93%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-3.81%

Min EPS beat(2)-15.25%

Max EPS beat(2)7.64%

EPS beat(4)3

Avg EPS beat(4)4.91%

Min EPS beat(4)-15.25%

Max EPS beat(4)15.51%

EPS beat(8)7

Avg EPS beat(8)19.01%

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)2

Avg Revenue beat(2)1.74%

Min Revenue beat(2)0.76%

Max Revenue beat(2)2.73%

Revenue beat(4)4

Avg Revenue beat(4)2.55%

Min Revenue beat(4)0.76%

Max Revenue beat(4)3.93%

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

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)7.23%

PT rev (3m)11.78%

EPS NQ rev (1m)-3.12%

EPS NQ rev (3m)-0.32%

EPS NY rev (1m)0.99%

EPS NY rev (3m)5.05%

Revenue NQ rev (1m)-0.72%

Revenue NQ rev (3m)0.19%

Revenue NY rev (1m)0.57%

Revenue NY rev (3m)0.96%

Valuation

		Industry Rank	Sector Rank
PE	9.17
Fwd PE	8.42
P/S	2.71
P/FCF	N/A
P/OCF	N/A
P/B	1.31
P/tB	1.36
EV/EBITDA	N/A

EPS(TTM)5.74

EY10.91%

EPS(NY)6.25

Fwd EY11.87%

FCF(TTM)-5.66

FCFYN/A

OCF(TTM)-4.54

OCFYN/A

SpS19.39

BVpS40.09

TBVpS38.65

PEG (NY)1.04

PEG (5Y)0.49

Profitability

		Industry Rank	Sector Rank
ROA	1.24%
ROE	15.57%
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-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	2.92
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	133.23%
Cap/Sales	5.76%
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-Score4

WACC5.75%

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)25.05%

EPS 3Y49.15%

EPS 5Y18.66%

EPS Q2Q%-7.21%

EPS Next Y8.82%

EPS Next 2Y8.49%

EPS Next 3Y9.69%

EPS Next 5Y-2.36%

Revenue 1Y (TTM)5.45%

Revenue growth 3Y0.8%

Revenue growth 5Y4.09%

Sales Q2Q%0.38%

Revenue Next Year-2.29%

Revenue Next 2Y-0.67%

Revenue Next 3Y0.38%

Revenue Next 5Y-1.68%

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 1Y79.15%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y82.8%

OCF growth 3YN/A

OCF growth 5YN/A

UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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