UNICREDIT SPA (UCG.MI) Fundamental Analysis & Valuation

BIT:UCG • IT0005239360

Current stock price

66.89 EUR
-0.43 (-0.64%)
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.
  • In the past year UCG had a positive cash flow from operations.
  • UCG had positive earnings in each of the past 5 years.
  • In multiple years UCG reported negative operating cash flow during the last 5 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 77.36% of the companies in the same industry.
  • With an excellent Return On Equity value of 15.82%, UCG belongs to the best of the industry, outperforming 80.19% 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 better Profit Margin (32.58%) than 83.02% 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 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.
  • Compared to 1 year ago, UCG has less shares outstanding
  • UCG has less shares outstanding than it did 5 years ago.
  • 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.
  • With a decent Debt to FCF ratio value of 27.43, UCG is doing good in the industry, outperforming 60.38% of the companies in the same industry.
  • UCG has a Debt/Equity ratio of 2.94. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of UCG (2.94) is worse than 76.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.94
Debt/FCF 27.43
Altman-Z N/A
ROIC/WACCN/A
WACC5.87%
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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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

  • 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 Y5.78%
EPS Next 2Y8.83%
EPS Next 3Y9.5%
EPS Next 5Y6.94%
Revenue Next Year5.11%
Revenue Next 2Y4.63%
Revenue Next 3Y4.42%
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.
  • 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.
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

  • The Price/Earnings ratio is 9.62, which indicates a very decent valuation of UCG.
  • Compared to the rest of the industry, the Price/Earnings ratio of UCG indicates a somewhat cheap valuation: UCG is cheaper than 71.70% of the companies listed in the same industry.
  • UCG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
  • The Price/Forward Earnings ratio is 9.10, which indicates a very decent valuation of UCG.
  • Based on the Price/Forward Earnings ratio, UCG is valued cheaper than 84.91% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, UCG is valued rather cheaply.
Industry RankSector Rank
PE 9.62
Fwd PE 9.1
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

  • Based on the Price/Free Cash Flow ratio, UCG is valued a bit cheaper than the industry average as 60.38% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 13.9
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)1.67
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 5.23%, UCG is a good candidate for dividend investing.
  • UCG's Dividend Yield is comparable with the industry average which is at 4.88.
  • UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 5.23%

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.
  • UCG's earnings are growing slower than its dividend. 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 (4/9/2026, 5:36:16 PM)

66.89

-0.43 (-0.64%)

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 Cap100.87B
Revenue(TTM)32.87B
Net Income(TTM)10.71B
Analysts79.2
Price Target83.74 (25.19%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.23%
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)-1.31%
PT rev (3m)15.74%
EPS NQ rev (1m)6.04%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.82%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.22%
Revenue NY rev (3m)1.9%
Valuation
Industry RankSector Rank
PE 9.62
Fwd PE 9.1
P/S 3.07
P/FCF 13.9
P/OCF 11.83
P/B 1.49
P/tB 1.56
EV/EBITDA N/A
EPS(TTM)6.95
EY10.39%
EPS(NY)7.35
Fwd EY10.99%
FCF(TTM)4.81
FCFY7.2%
OCF(TTM)5.65
OCFY8.45%
SpS21.8
BVpS44.9
TBVpS42.95
PEG (NY)1.67
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
WACC5.87%
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 Year5.11%
Revenue Next 2Y4.63%
Revenue Next 3Y4.42%
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 9.62 and the Price/Book (PB) ratio is 1.49.


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%.