UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis
BIT:UCG - IT0005239360 - Common Stock
66.04 EUR
-0.12 (-0.18%)
UCG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. UCG has a bad profitability rating. Also its financial health evaluation is rather negative. UCG has a correct valuation and a medium 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.
Of the past 5 years UCG 4 years were profitable.
In multiple years UCG reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of UCG (1.13%) is better than 75.00% of its industry peers.
UCG's Return On Equity of 14.29% is fine compared to the rest of the industry. UCG outperforms 78.13% 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 82.29% of the companies in the same industry.
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 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.
UCG has less shares outstanding than it did 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 has a Debt to Equity ratio of 3.14. This is in the lower half of the industry: UCG underperforms 69.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UCG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.41%, which is quite good.
UCG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.66% yearly.
Looking at the last year, UCG shows a small growth in Revenue. The Revenue has grown by 5.45% in the last year.
Measured over the past years, UCG shows a small growth in Revenue. The Revenue has been growing by 4.09% on average per year.
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
UCG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.60% yearly.
The Revenue is expected to grow by 1.03% on average over the next years.
EPS Next Y17.93%
EPS Next 2Y11.99%
EPS Next 3Y11.48%
EPS Next 5Y6.6%
Revenue Next Year-0.32%
Revenue Next 2Y0.84%
Revenue Next 3Y1.48%
Revenue Next 5Y1.03%
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
A Price/Earnings ratio of 10.07 indicates a reasonable valuation of UCG.
UCG's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.08. UCG is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.17, the valuation of UCG can be described as reasonable.
63.54% 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 22.72, UCG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.07 | ||
| Fwd PE | 9.17 |
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)0.56
PEG (5Y)0.54
EPS Next 2Y11.99%
EPS Next 3Y11.48%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.63%, UCG has a reasonable but not impressive dividend return.
UCG's Dividend Yield is slightly below the industry average, which is at 4.89.
UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
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 2Y11.99%
EPS Next 3Y11.48%
BIT:UCG (8/29/2025, 7:00:00 PM)
66.04
-0.12 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.36%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap102.87B
Analysts76.36
Price Target66.65 (0.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
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)10.91%
PT rev (3m)23.61%
EPS NQ rev (1m)1.28%
EPS NQ rev (3m)4.42%
EPS NY rev (1m)8.37%
EPS NY rev (3m)8.37%
Revenue NQ rev (1m)2.03%
Revenue NQ rev (3m)3.08%
Revenue NY rev (1m)0.39%
Revenue NY rev (3m)2.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.07 | ||
| Fwd PE | 9.17 | ||
| P/S | 3.41 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.51 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.56
EY9.93%
EPS(NY)7.2
Fwd EY10.9%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.56
PEG (5Y)0.54
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
WACC5.63%
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 Y17.93%
EPS Next 2Y11.99%
EPS Next 3Y11.48%
EPS Next 5Y6.6%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%-3.18%
Revenue Next Year-0.32%
Revenue Next 2Y0.84%
Revenue Next 3Y1.48%
Revenue Next 5Y1.03%
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