UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:UCG - IT0005239360 - Common Stock
72.63 EUR
+0.27 (+0.37%)
UCG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 118 industry peers in the Banks industry. UCG may be in some trouble as it scores bad on both profitability and health. 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
- UCG has a Return On Assets of 1.13%. This is in the better half of the industry: UCG outperforms 75.42% of its industry peers.
- UCG's Return On Equity of 14.29% is fine compared to the rest of the industry. UCG outperforms 74.58% 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
- Looking at the Profit Margin, with a value of 32.18%, UCG belongs to the top of the industry, outperforming 81.36% of the companies in the same industry.
- UCG's Profit Margin has improved in the last couple of years.
- UCG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- UCG has a worse debt/assets ratio than last year.
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's Debt to Equity ratio of 3.14 is on the low side compared to the rest of the industry. UCG is outperformed by 75.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.94%
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.
- Measured over the past years, UCG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.66% on average per year.
- 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 6.63% on average per year.
- UCG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.06% yearly.
EPS Next Y19.49%
EPS Next 2Y12.71%
EPS Next 3Y12%
EPS Next 5Y6.63%
Revenue Next Year0.29%
Revenue Next 2Y1.67%
Revenue Next 3Y2.16%
Revenue Next 5Y1.06%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 10.86 indicates a reasonable valuation of UCG.
- 68.64% of the companies in the same industry are more expensive than UCG, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, UCG is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.96, 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 83.90% 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 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 9.96 |
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.
- A more expensive valuation may be justified as UCG's earnings are expected to grow with 12.00% in the coming years.
PEG (NY)0.56
PEG (5Y)0.58
EPS Next 2Y12.71%
EPS Next 3Y12%
5. Dividend
5.1 Amount
- UCG has a Yearly Dividend Yield of 4.11%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.05, UCG has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.92, UCG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
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 2Y12.71%
EPS Next 3Y12%
BIT:UCG (1/16/2026, 5:36:15 PM)
72.63
+0.27 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)02-05 2026-02-05/amc
Inst Owners51.15%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap113.13B
Revenue(TTM)30.20B
Net Income(TTM)9.72B
Analysts77.6
Price Target72.35 (-0.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
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)0.26%
PT rev (3m)4.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)0.46%
EPS NY rev (3m)1.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 9.96 | ||
| P/S | 3.75 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.66 | ||
| P/tB | 1.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.69
EY9.21%
EPS(NY)7.29
Fwd EY10.04%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.56
PEG (5Y)0.58
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
WACC5.94%
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 Y19.49%
EPS Next 2Y12.71%
EPS Next 3Y12%
EPS Next 5Y6.63%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%0.41%
Revenue Next Year0.29%
Revenue Next 2Y1.67%
Revenue Next 3Y2.16%
Revenue Next 5Y1.06%
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.
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 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 10.86 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 19.49% in the next year.