UNICREDIT SPA (UCG.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:UCG - IT0005239360 - Common Stock
71.45 EUR
+0.29 (+0.41%)
We assign a fundamental rating of 3 out of 10 to UCG. UCG was compared to 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
In the past year UCG was profitable.
In the past year UCG has reported a negative cash flow from operations.
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
Looking at the Return On Assets, with a value of 1.13%, UCG is in the better half of the industry, outperforming 75.42% 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 74.58% 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
UCG has a Profit Margin of 32.18%. This is amongst the best in the industry. UCG outperforms 81.36% 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 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.
Compared to 1 year ago, UCG has less shares outstanding
The number of shares outstanding for UCG has been reduced compared to 5 years ago.
The debt/assets ratio for UCG is higher compared to a year ago.
2.2 Solvency
UCG has a Debt/Equity ratio of 3.14. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of UCG (3.14) is worse than 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
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.
The Revenue has been growing slightly by 5.45% in the past year.
UCG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.09% yearly.
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
The Earnings Per Share is expected to grow by 6.63% on average over the next years.
The Revenue is expected to grow by 1.06% on average over the next years.
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.
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 10.68 indicates a reasonable valuation of UCG.
Based on the Price/Earnings ratio, UCG is valued a bit cheaper than the industry average as 67.80% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.30. UCG is valued rather cheaply when compared to this.
UCG is valuated reasonably with a Price/Forward Earnings ratio of 9.80.
Based on the Price/Forward Earnings ratio, UCG is valued cheaply inside the industry as 84.75% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of UCG to the average of the S&P500 Index (24.04), we can say UCG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.68 | ||
| Fwd PE | 9.8 |
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)0.55
PEG (5Y)0.57
EPS Next 2Y12.71%
EPS Next 3Y12%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.11%, UCG is a good candidate for dividend investing.
UCG's Dividend Yield is comparable with the industry average which is at 4.05.
UCG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
5.2 History
On average, the dividend of UCG grows each year by 38.95%, which is quite nice.
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.
UCG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.97%
EPS Next 2Y12.71%
EPS Next 3Y12%
BIT:UCG (1/13/2026, 7:00:00 PM)
71.45
+0.29 (+0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.15%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap111.30B
Revenue(TTM)30.20B
Net Income(TTM)9.72B
Analysts77.6
Price Target72.35 (1.26%)
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 | 10.68 | ||
| Fwd PE | 9.8 | ||
| P/S | 3.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.64 | ||
| P/tB | 1.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.69
EY9.36%
EPS(NY)7.29
Fwd EY10.21%
FCF(TTM)-1.47
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS19.39
BVpS43.67
TBVpS41.57
PEG (NY)0.55
PEG (5Y)0.57
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 10.68 and the Price/Book (PB) ratio is 1.64.
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.