UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis
Europe - BIT:UCG - IT0005239360 - Common Stock
61.59 EUR
-1.66 (-2.62%)
Overall UCG gets a fundamental rating of 3 out of 10. We evaluated UCG against 99 industry peers in the Banks industry. UCG has a bad profitability rating. Also its financial health evaluation is rather negative. UCG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
UCG had positive earnings in the past year.
UCG had a negative operating cash flow in the past year.
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
The Return On Assets of UCG (1.13%) is better than 75.53% of its industry peers.
UCG has a Return On Equity of 14.29%. This is in the better half of the industry: UCG outperforms 79.79% 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
UCG's Profit Margin of 32.18% is amongst the best of the industry. UCG outperforms 81.91% 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.
UCG has less shares outstanding than it did 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 71.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.68%
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 18.41% over the past year.
The Earnings Per Share has been growing by 18.66% on average over the past years. This is quite good.
Looking at the last year, UCG shows a small growth in Revenue. The Revenue has grown by 5.45% in the last year.
The Revenue has been growing slightly by 4.09% on average over the past years.
EPS 1Y (TTM)18.41%
EPS 3Y49.15%
EPS 5Y18.66%
EPS Q2Q%34.16%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%-3.18%
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 6.53% on average per year.
UCG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.96% yearly.
EPS Next Y18%
EPS Next 2Y11.74%
EPS Next 3Y11.49%
EPS Next 5Y6.53%
Revenue Next Year0.03%
Revenue Next 2Y1.03%
Revenue Next 3Y1.61%
Revenue Next 5Y0.96%
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.
4. Valuation
4.1 Price/Earnings Ratio
UCG is valuated reasonably with a Price/Earnings ratio of 9.39.
Based on the Price/Earnings ratio, UCG is valued a bit cheaper than the industry average as 61.70% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.42, UCG is valued rather cheaply.
The Price/Forward Earnings ratio is 8.59, which indicates a very decent valuation of UCG.
Based on the Price/Forward Earnings ratio, UCG is valued a bit cheaper than the industry average as 78.72% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, UCG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.39 | ||
| Fwd PE | 8.59 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.52
PEG (5Y)0.5
EPS Next 2Y11.74%
EPS Next 3Y11.49%
5. Dividend
5.1 Amount
UCG has a Yearly Dividend Yield of 3.80%. Purely for dividend investing, there may be better candidates out there.
UCG's Dividend Yield is comparable with the industry average which is at 4.86.
UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
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
42.97% 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 growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.97%
EPS Next 2Y11.74%
EPS Next 3Y11.49%
BIT:UCG (10/17/2025, 7:00:00 PM)
61.59
-1.66 (-2.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.66%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap95.94B
Analysts78.33
Price Target69.15 (12.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.8% |
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)0.23%
PT rev (3m)15.07%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)3.1%
EPS NY rev (1m)0.06%
EPS NY rev (3m)8.44%
Revenue NQ rev (1m)0.15%
Revenue NQ rev (3m)3.86%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)2.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.39 | ||
| Fwd PE | 8.59 | ||
| P/S | 3.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.41 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.56
EY10.65%
EPS(NY)7.17
Fwd EY11.64%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.52
PEG (5Y)0.5
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
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-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
WACC5.68%
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)18.41%
EPS 3Y49.15%
EPS 5Y18.66%
EPS Q2Q%34.16%
EPS Next Y18%
EPS Next 2Y11.74%
EPS Next 3Y11.49%
EPS Next 5Y6.53%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%-3.18%
Revenue Next Year0.03%
Revenue Next 2Y1.03%
Revenue Next 3Y1.61%
Revenue Next 5Y0.96%
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