UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:UCG - IT0005239360 - Common Stock
70.46 EUR
-0.44 (-0.62%)
UCG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 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.
1. Profitability
1.1 Basic Checks
In the past year UCG was profitable.
UCG had a negative operating cash flow in the past year.
UCG had positive earnings in 4 of the past 5 years.
In multiple years UCG reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.13%, UCG is in the better half of the industry, outperforming 73.39% of the companies in the same industry.
UCG has a better Return On Equity (14.29%) than 75.23% of its industry peers.
| 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
The Profit Margin of UCG (32.18%) is better than 78.90% of its industry peers.
UCG's Profit Margin has improved in the last couple of years.
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
2. Health
2.1 Basic Checks
UCG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for UCG has been reduced compared to 1 year ago.
The number of shares outstanding for UCG has been reduced compared to 5 years ago.
The debt/assets ratio for UCG is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 3.14 is on the high side and indicates that UCG has dependencies on debt financing.
UCG has a Debt to Equity ratio of 3.14. This is in the lower half of the industry: UCG underperforms 71.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.95% 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.
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, UCG will show a small growth in Earnings Per Share. The EPS will grow by 6.94% on average per year.
The Revenue is expected to grow by 1.35% on average over the next years.
EPS Next Y18.94%
EPS Next 2Y12.49%
EPS Next 3Y11.81%
EPS Next 5Y6.94%
Revenue Next Year-0.02%
Revenue Next 2Y1.41%
Revenue Next 3Y1.93%
Revenue Next 5Y1.35%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.53, which indicates a very decent valuation of UCG.
Based on the Price/Earnings ratio, UCG is valued a bit cheaper than 66.06% of the companies in the same industry.
UCG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.39.
With a Price/Forward Earnings ratio of 9.70, the valuation of UCG can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UCG indicates a rather cheap valuation: UCG is cheaper than 82.57% of the companies listed in the same industry.
UCG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.53 | ||
| Fwd PE | 9.7 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.56
PEG (5Y)0.56
EPS Next 2Y12.49%
EPS Next 3Y11.81%
5. Dividend
5.1 Amount
UCG has a Yearly Dividend Yield of 4.10%, which is a nice return.
UCG's Dividend Yield is comparable with the industry average which is at 4.12.
UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.1% |
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
42.97% of the earnings are spent on dividend by UCG. 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 2Y12.49%
EPS Next 3Y11.81%
BIT:UCG (12/19/2025, 7:00:00 PM)
70.46
-0.44 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.21%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap109.75B
Revenue(TTM)30.20B
Net Income(TTM)9.72B
Analysts77.6
Price Target72.17 (2.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.1% |
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)2.97%
PT rev (3m)4.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.46%
EPS NY rev (1m)0.76%
EPS NY rev (3m)0.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.83%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.53 | ||
| Fwd PE | 9.7 | ||
| P/S | 3.63 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.61 | ||
| P/tB | 1.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.69
EY9.49%
EPS(NY)7.26
Fwd EY10.31%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.56
PEG (5Y)0.56
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
WACC5.92%
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 Y18.94%
EPS Next 2Y12.49%
EPS Next 3Y11.81%
EPS Next 5Y6.94%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%0.41%
Revenue Next Year-0.02%
Revenue Next 2Y1.41%
Revenue Next 3Y1.93%
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 / 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.
Can you provide the valuation status for UNICREDIT SPA?
ChartMill assigns a valuation rating of 5 / 10 to UNICREDIT SPA (UCG.MI). This can be considered as Fairly Valued.
Can you provide the profitability details for UNICREDIT SPA?
UNICREDIT SPA (UCG.MI) has a profitability rating of 3 / 10.
Can you provide the financial health for UCG stock?
The financial health rating of UNICREDIT SPA (UCG.MI) is 1 / 10.
Can you provide the dividend sustainability for UCG stock?
The dividend rating of UNICREDIT SPA (UCG.MI) is 6 / 10 and the dividend payout ratio is 42.97%.