UNICREDIT SPA (UCG.MI) Fundamental Analysis & Valuation

BIT:UCG • IT0005239360

Current stock price

68.77 EUR
-3.04 (-4.23%)
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

  • In the past year UCG was profitable.
  • In the past year UCG had a positive cash flow from operations.
  • Each year in the past 5 years UCG has 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

  • UCG has a better Return On Assets (1.23%) than 76.42% of its industry peers.
  • With an excellent Return On Equity value of 15.82%, UCG belongs to the best of the industry, outperforming 81.13% of the companies in the same industry.
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 has a Profit Margin of 32.58%. This is amongst the best in the industry. UCG outperforms 83.02% of its industry peers.
  • 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 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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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.
  • Compared to 5 years ago, UCG has less shares outstanding
  • Compared to 1 year ago, UCG has an improved debt to assets ratio.
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

  • UCG has a debt to FCF ratio of 27.43. This is a negative value and a sign of low solvency as UCG would need 27.43 years to pay back of all of its debts.
  • UCG has a Debt to FCF ratio (27.43) which is comparable to the rest of the industry.
  • UCG has a Debt/Equity ratio of 2.94. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.94, UCG is doing worse than 76.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.94
Debt/FCF 27.43
Altman-Z N/A
ROIC/WACCN/A
WACC5.96%
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

  • The Earnings Per Share has grown by an impressive 21.08% over the past year.
  • The Earnings Per Share has been growing by 31.28% on average over the past years. This is a very strong growth
  • The Revenue has grown by 8.85% in the past year. This is quite good.
  • 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

  • The Earnings Per Share is expected to grow by 6.94% on average over the next years.
  • Based on estimates for the next years, UCG will show a small growth in Revenue. The Revenue will grow by 2.86% on average per year.
EPS Next Y5.36%
EPS Next 2Y8.73%
EPS Next 3Y9.19%
EPS Next 5Y6.94%
Revenue Next Year4.8%
Revenue Next 2Y4.55%
Revenue Next 3Y4.41%
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 9.89, the valuation of UCG can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of UCG indicates a somewhat cheap valuation: UCG is cheaper than 68.87% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.89. UCG is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.39 indicates a reasonable valuation of UCG.
  • 83.96% of the companies in the same industry are more expensive than UCG, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.50, UCG is valued rather cheaply.
Industry RankSector Rank
PE 9.89
Fwd PE 9.39
UCG.MI Price Earnings VS Forward Price EarningsUCG.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • UCG's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.29
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UCG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.84
PEG (5Y)N/A
EPS Next 2Y8.73%
EPS Next 3Y9.19%

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

6

5. UCG.MI Dividend Analysis

5.1 Amount

  • UCG has a Yearly Dividend Yield of 4.55%, which is a nice return.
  • UCG's Dividend Yield is comparable with the industry average which is at 4.47.
  • Compared to an average S&P500 Dividend Yield of 1.82, UCG pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.55%

5.2 History

  • The dividend of UCG is nicely growing with an annual growth rate of 66.02%!
Dividend Growth(5Y)66.02%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 46.76% 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.
DP46.76%
EPS Next 2Y8.73%
EPS Next 3Y9.19%
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 (4/20/2026, 2:33:15 PM)

68.77

-3.04 (-4.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-09
Earnings (Next)05-06
Inst Owners52.68%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap103.70B
Revenue(TTM)32.87B
Net Income(TTM)10.71B
Analysts79.2
Price Target81.84 (19.01%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.55%
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)-3.54%
PT rev (3m)11.07%
EPS NQ rev (1m)3.61%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.39%
EPS NY rev (3m)0.42%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)1.61%
Valuation
Industry RankSector Rank
PE 9.89
Fwd PE 9.39
P/S 3.15
P/FCF 14.29
P/OCF 12.16
P/B 1.53
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)6.95
EY10.11%
EPS(NY)7.32
Fwd EY10.65%
FCF(TTM)4.81
FCFY7%
OCF(TTM)5.65
OCFY8.22%
SpS21.8
BVpS44.9
TBVpS42.95
PEG (NY)1.84
PEG (5Y)N/A
Graham Number83.7953 (21.85%)
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
WACC5.96%
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 Y5.36%
EPS Next 2Y8.73%
EPS Next 3Y9.19%
EPS Next 5Y6.94%
Revenue 1Y (TTM)8.85%
Revenue growth 3Y4.43%
Revenue growth 5Y9.97%
Sales Q2Q%-5.25%
Revenue Next Year4.8%
Revenue Next 2Y4.55%
Revenue Next 3Y4.41%
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.


What is the profitability of UCG stock?

UNICREDIT SPA (UCG.MI) has a profitability rating of 4 / 10.


What are the PE and PB ratios of UNICREDIT SPA (UCG.MI) stock?

The Price/Earnings (PE) ratio for UNICREDIT SPA (UCG.MI) is 9.89 and the Price/Book (PB) ratio is 1.53.


Is the dividend of UNICREDIT SPA sustainable?

The dividend rating of UNICREDIT SPA (UCG.MI) is 6 / 10 and the dividend payout ratio is 46.76%.