UNICREDIT SPA (UCG.MI) Fundamental Analysis & Valuation

BIT:UCG • IT0005239360

Current stock price

64.14 EUR
+0.3 (+0.47%)
Last:

This UCG.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. UCG.MI Profitability Analysis

1.1 Basic Checks

  • UCG had positive earnings in the past year.
  • UCG had a positive operating cash flow in the past year.
  • In the past 5 years UCG has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: UCG reported negative operating cash flow in multiple 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 2025 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.23%, UCG is in the better half of the industry, outperforming 76.11% of the companies in the same industry.
  • The Return On Equity of UCG (15.82%) is better than 83.19% of its industry peers.
Industry RankSector Rank
ROA 1.23%
ROE 15.82%
ROIC N/A
ROA(3y)1.23%
ROA(5y)0.92%
ROE(3y)15.4%
ROE(5y)11.75%
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 2025 0 10 -10 -20 -30

1.3 Margins

  • UCG's Profit Margin of 32.58% is amongst the best of the industry. UCG outperforms 81.42% of its industry peers.
  • In the last couple of years the Profit Margin of UCG has grown nicely.
  • 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) 32.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.78%
PM growth 5YN/A
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 2025 0 20 -20 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. UCG.MI Health Analysis

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.
  • UCG has less shares outstanding than it did 5 years ago.
  • UCG has a better debt/assets ratio than last year.
UCG.MI Yearly Shares OutstandingUCG.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B 800B

2.2 Solvency

  • The Debt to FCF ratio of UCG is 27.43, which is on the high side as it means it would take UCG, 27.43 years of fcf income to pay off all of its debts.
  • UCG's Debt to FCF ratio of 27.43 is fine compared to the rest of the industry. UCG outperforms 61.06% of its industry peers.
  • UCG has a Debt/Equity ratio of 2.94. This is a high value indicating a heavy dependency on external financing.
  • UCG has a Debt to Equity ratio of 2.94. This is in the lower half of the industry: UCG underperforms 75.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.94
Debt/FCF 27.43
Altman-Z N/A
ROIC/WACCN/A
WACC5.93%
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 2025 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 2025 20B 40B 60B 80B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. UCG.MI Growth Analysis

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.
  • The Earnings Per Share has been growing by 31.28% on average over the past years. This is a very strong growth
  • UCG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.85%.
  • Measured over the past years, UCG shows a quite strong growth in Revenue. The Revenue has been growing by 9.97% on average per year.
EPS 1Y (TTM)21.08%
EPS 3Y31.28%
EPS 5YN/A
EPS Q2Q%23.3%
Revenue 1Y (TTM)8.85%
Revenue growth 3Y4.43%
Revenue growth 5Y9.97%
Sales Q2Q%-5.25%

3.2 Future

  • UCG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.94% yearly.
  • The Revenue is expected to grow by 2.86% on average over the next years.
EPS Next Y5.78%
EPS Next 2Y8.83%
EPS Next 3Y9.5%
EPS Next 5Y6.94%
Revenue Next Year4.88%
Revenue Next 2Y4.52%
Revenue Next 3Y4.48%
Revenue Next 5Y2.86%

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. UCG.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.23, the valuation of UCG can be described as very reasonable.
  • Based on the Price/Earnings ratio, UCG is valued a bit cheaper than 77.88% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.96. UCG is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.72, the valuation of UCG can be described as reasonable.
  • UCG's Price/Forward Earnings ratio is rather cheap when compared to the industry. UCG is cheaper than 83.19% of the companies 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 24.04.
Industry RankSector Rank
PE 9.23
Fwd PE 8.72
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

  • 65.49% of the companies in the same industry are more expensive than UCG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 13.32
EV/EBITDA N/A
UCG.MI Per share dataUCG.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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)1.6
PEG (5Y)N/A
EPS Next 2Y8.83%
EPS Next 3Y9.5%

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

6

5. UCG.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.84%, UCG is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.66, UCG has a dividend in line with its industry peers.
  • UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 4.84%

5.2 History

  • On average, the dividend of UCG grows each year by 66.02%, which is quite nice.
Dividend Growth(5Y)66.02%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • UCG pays out 46.76% 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.
DP46.76%
EPS Next 2Y8.83%
EPS Next 3Y9.5%
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 2025 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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UCG.MI Fundamentals: All Metrics, Ratios and Statistics

UNICREDIT SPA

BIT:UCG (3/17/2026, 5:36:15 PM)

64.14

+0.3 (+0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-09
Earnings (Next)05-11
Inst Owners52.52%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap96.72B
Revenue(TTM)32.87B
Net Income(TTM)10.71B
Analysts77.69
Price Target84.85 (32.29%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.84%
Yearly Dividend3.27
Dividend Growth(5Y)66.02%
DP46.76%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.25%
Min EPS beat(2)-8.15%
Max EPS beat(2)7.66%
EPS beat(4)3
Avg EPS beat(4)11.92%
Min EPS beat(4)-8.15%
Max EPS beat(4)34.79%
EPS beat(8)6
Avg EPS beat(8)8.41%
EPS beat(12)10
Avg EPS beat(12)16.64%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.43%
Min Revenue beat(2)-5.59%
Max Revenue beat(2)0.74%
Revenue beat(4)2
Avg Revenue beat(4)-0.04%
Min Revenue beat(4)-5.59%
Max Revenue beat(4)6.59%
Revenue beat(8)6
Avg Revenue beat(8)1.26%
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)13.29%
PT rev (3m)17.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.61%
EPS NY rev (3m)1.22%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.68%
Revenue NY rev (3m)2.2%
Valuation
Industry RankSector Rank
PE 9.23
Fwd PE 8.72
P/S 2.94
P/FCF 13.32
P/OCF 11.35
P/B 1.43
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)6.95
EY10.84%
EPS(NY)7.35
Fwd EY11.46%
FCF(TTM)4.81
FCFY7.51%
OCF(TTM)5.65
OCFY8.81%
SpS21.8
BVpS44.9
TBVpS42.95
PEG (NY)1.6
PEG (5Y)N/A
Graham Number83.8
Profitability
Industry RankSector Rank
ROA 1.23%
ROE 15.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.58%
GM N/A
FCFM 22.08%
ROA(3y)1.23%
ROA(5y)0.92%
ROE(3y)15.4%
ROE(5y)11.75%
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 3Y13.78%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.94
Debt/FCF 27.43
Debt/EBITDA N/A
Cap/Depr 98.91%
Cap/Sales 3.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 67.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC5.93%
ROIC/WACCN/A
Cap/Depr(3y)101.01%
Cap/Depr(5y)95.09%
Cap/Sales(3y)4.54%
Cap/Sales(5y)4.38%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.08%
EPS 3Y31.28%
EPS 5YN/A
EPS Q2Q%23.3%
EPS Next Y5.78%
EPS Next 2Y8.83%
EPS Next 3Y9.5%
EPS Next 5Y6.94%
Revenue 1Y (TTM)8.85%
Revenue growth 3Y4.43%
Revenue growth 5Y9.97%
Sales Q2Q%-5.25%
Revenue Next Year4.88%
Revenue Next 2Y4.52%
Revenue Next 3Y4.48%
Revenue Next 5Y2.86%
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 1Y182.34%
FCF growth 3Y-7.24%
FCF growth 5Y-38.41%
OCF growth 1Y220.48%
OCF growth 3Y-6%
OCF growth 5Y-36.62%

UNICREDIT SPA / UCG.MI Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 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 4 / 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 9.23 and the Price/Book (PB) ratio is 1.43.


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 5.78% in the next year.