UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:UCG - IT0005239360 - Common Stock
65.37 EUR
+0.54 (+0.83%)
Taking everything into account, UCG scores 3 out of 10 in our fundamental rating. UCG was compared to 108 industry peers in the Banks industry. Both the profitability and financial health of UCG have multiple concerns. UCG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year UCG was profitable.
UCG had a negative operating cash flow in the past year.
UCG had positive earnings in 4 of the past 5 years.
In multiple years UCG reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.13%, UCG is doing good in the industry, outperforming 75.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 14.29%, UCG is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
| 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
With an excellent Profit Margin value of 32.18%, UCG belongs to the best of the industry, outperforming 80.56% of the companies in the same industry.
In the last couple of years the Profit Margin of UCG has grown nicely.
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.
UCG has less shares outstanding than it did 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's Debt to Equity ratio of 3.14 is on the low side compared to the rest of the industry. UCG is outperformed by 73.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.81%
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 14.95%, which is quite good.
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.
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)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
UCG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.94% yearly.
UCG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.35% yearly.
EPS Next Y18.05%
EPS Next 2Y12.23%
EPS Next 3Y11.6%
EPS Next 5Y6.94%
Revenue Next Year-0.13%
Revenue Next 2Y1.2%
Revenue Next 3Y1.75%
Revenue Next 5Y1.35%
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
With a Price/Earnings ratio of 9.77, the valuation of UCG can be described as very reasonable.
Based on the Price/Earnings ratio, UCG is valued a bit cheaper than the industry average as 71.30% of the companies are valued more expensively.
UCG is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.04, the valuation of UCG can be described as very reasonable.
UCG's Price/Forward Earnings ratio is rather cheap when compared to the industry. UCG is cheaper than 85.19% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.22. UCG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.77 | ||
| Fwd PE | 9.04 |
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.
PEG (NY)0.54
PEG (5Y)0.52
EPS Next 2Y12.23%
EPS Next 3Y11.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.53%, UCG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.70, UCG has a dividend in line with its industry peers.
UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.53% |
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.
UCG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.97%
EPS Next 2Y12.23%
EPS Next 3Y11.6%
BIT:UCG (12/2/2025, 7:00:00 PM)
65.37
+0.54 (+0.83%)
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 Cap101.83B
Revenue(TTM)30.20B
Net Income(TTM)9.72B
Analysts77.6
Price Target70.62 (8.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.53% |
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)2.13%
PT rev (3m)5.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.91%
EPS NY rev (1m)0.04%
EPS NY rev (3m)0.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.43%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.77 | ||
| Fwd PE | 9.04 | ||
| P/S | 3.37 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.5 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.69
EY10.23%
EPS(NY)7.23
Fwd EY11.06%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.54
PEG (5Y)0.52
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
WACC5.81%
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 Y18.05%
EPS Next 2Y12.23%
EPS Next 3Y11.6%
EPS Next 5Y6.94%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y0.8%
Revenue growth 5Y4.09%
Sales Q2Q%0.41%
Revenue Next Year-0.13%
Revenue Next 2Y1.2%
Revenue Next 3Y1.75%
Revenue Next 5Y1.35%
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.
Can you provide the valuation status for UNICREDIT SPA?
ChartMill assigns a valuation rating of 5 / 10 to UNICREDIT SPA (UCG.MI). This can be considered as Fairly Valued.
Can you provide the profitability details for UNICREDIT SPA?
UNICREDIT SPA (UCG.MI) has a profitability rating of 3 / 10.
Can you provide the financial health for UCG stock?
The financial health rating of UNICREDIT SPA (UCG.MI) is 1 / 10.
Can you provide the dividend sustainability for UCG stock?
The dividend rating of UNICREDIT SPA (UCG.MI) is 6 / 10 and the dividend payout ratio is 42.97%.