UniCredit S.p.A. Logo

UniCredit S.p.A.

UCG.WA

(2.2)
Stock Price

172,62 PLN

1.3% ROA

16.31% ROE

6.41x PER

Market Cap.

58.978.679.564,24 PLN

201.46% DER

1.07% Yield

42.54% NPM

UniCredit S.p.A. Stock Analysis

UniCredit S.p.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

UniCredit S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.7x), the stock offers substantial upside potential at a bargain price.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

The stock's ROE falls within an average range (14.57%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (1.11%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

6 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

7 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

8 DER

The company has a high debt to equity ratio (148%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

11 Buffet Intrinsic Value

The company's stock appears overvalued (46) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

UniCredit S.p.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

UniCredit S.p.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

UniCredit S.p.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

UniCredit S.p.A. Revenue
Year Revenue Growth
2003 10.670.480.000
2004 10.542.511.000 -1.21%
2005 10.113.059.000 -4.25%
2006 25.307.829.000 60.04%
2007 28.149.752.000 10.1%
2008 27.207.269.000 -3.46%
2009 28.674.733.000 5.12%
2010 27.114.362.000 -5.75%
2011 26.085.562.000 -3.94%
2012 26.290.996.000 0.78%
2013 26.424.783.000 0.51%
2014 23.486.373.000 -12.51%
2015 23.306.065.000 -0.77%
2016 19.570.468.000 -19.09%
2017 19.760.691.000 0.96%
2018 21.118.978.000 6.43%
2019 20.060.000.000 -5.28%
2020 18.428.000.000 -8.86%
2021 18.596.000.000 0.9%
2022 876.000.000 -2022.83%
2023 23.824.000.000 96.32%
2023 23.572.000.000 -1.07%
2024 25.220.000.000 6.53%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

UniCredit S.p.A. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

UniCredit S.p.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 1.935.734.000
2004 2.080.970.000 6.98%
2005 2.111.018.000 1.42%
2006 2.663.645.000 20.75%
2007 2.649.245.000 -0.54%
2008 3.131.082.000 15.39%
2009 2.894.540.000 -8.17%
2010 2.801.325.000 -3.33%
2011 2.803.966.000 0.09%
2012 2.639.323.000 -6.24%
2013 2.724.307.000 3.12%
2014 2.864.749.000 4.9%
2015 2.643.627.000 -8.36%
2016 3.055.159.000 13.47%
2017 2.485.657.000 -22.91%
2018 2.384.025.000 -4.26%
2019 1.992.000.000 -19.68%
2020 1.912.000.000 -4.18%
2021 2.485.000.000 23.06%
2022 1.763.000.000 -40.95%
2023 3.008.000.000 41.39%
2023 3.075.000.000 2.18%
2024 2.596.000.000 -18.45%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

UniCredit S.p.A. EBITDA
Year EBITDA Growth
2003 7.860.432.000
2004 9.444.180.000 16.77%
2005 11.723.788.000 19.44%
2006 30.607.172.000 61.7%
2007 37.837.219.000 19.11%
2008 42.051.277.000 10.02%
2009 21.786.711.000 -93.01%
2010 16.223.328.000 -34.29%
2011 7.569.612.000 -114.32%
2012 14.856.030.000 49.05%
2013 -3.374.595.000 540.23%
2014 13.944.222.000 124.2%
2015 10.739.245.000 -29.84%
2016 -4.280.106.000 350.91%
2017 11.572.313.000 136.99%
2018 8.816.732.000 -31.25%
2019 5.530.000.000 -59.43%
2020 -1.248.000.000 543.11%
2021 2.455.000.000 150.84%
2022 8.426.000.000 70.86%
2023 13.716.000.000 38.57%
2023 12.502.000.000 -9.71%
2024 -2.864.000.000 536.52%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

UniCredit S.p.A. Gross Profit
Year Gross Profit Growth
2003 10.670.480.000
2004 10.542.511.000 -1.21%
2005 10.113.059.000 -4.25%
2006 25.307.829.000 60.04%
2007 28.149.752.000 10.1%
2008 27.207.269.000 -3.46%
2009 28.674.733.000 5.12%
2010 27.114.362.000 -5.75%
2011 26.085.562.000 -3.94%
2012 26.290.996.000 0.78%
2013 26.424.783.000 0.51%
2014 23.486.373.000 -12.51%
2015 23.306.065.000 -0.77%
2016 19.570.468.000 -19.09%
2017 19.760.691.000 0.96%
2018 21.118.978.000 6.43%
2019 20.060.000.000 -5.28%
2020 18.428.000.000 -8.86%
2021 18.596.000.000 0.9%
2022 876.000.000 -2022.83%
2023 23.824.000.000 96.32%
2023 23.572.000.000 -1.07%
2024 24.560.000.000 4.02%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

UniCredit S.p.A. Net Profit
Year Net Profit Growth
2003 978.259.000
2004 2.130.516.000 54.08%
2005 2.731.462.000 22%
2006 5.447.741.000 49.86%
2007 5.961.137.000 8.61%
2008 4.011.788.000 -48.59%
2009 1.702.325.000 -135.67%
2010 1.323.343.000 -28.64%
2011 -9.206.448.000 114.37%
2012 864.891.000 1164.46%
2013 -13.964.832.000 106.19%
2014 2.007.828.000 795.52%
2015 1.694.240.000 -18.51%
2016 -11.790.094.000 114.37%
2017 5.473.075.000 315.42%
2018 3.892.439.000 -40.61%
2019 2.159.000.000 -80.29%
2020 -2.827.000.000 176.37%
2021 1.540.000.000 283.57%
2022 6.458.000.000 76.15%
2023 9.288.000.000 30.47%
2023 9.507.000.000 2.3%
2024 10.716.000.000 11.28%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

UniCredit S.p.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 8
2004 9 0%
2005 10 11.11%
2006 14 35.71%
2007 14 0%
2008 8 -75%
2009 3 -166.67%
2010 2 -50%
2011 -17 112.5%
2012 1 0%
2013 -12 100%
2014 2 1300%
2015 1 0%
2016 -10 111.11%
2017 3 550%
2018 2 -100%
2019 1 0%
2020 -1 100%
2021 1 0%
2022 3 100%
2023 5 60%
2023 6 0%
2024 6 16.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

UniCredit S.p.A. Free Cashflow
Year Free Cashflow Growth
2004 1.415.058.000
2005 1.335.250.000 -5.98%
2006 3.856.707.000 65.38%
2007 7.646.063.000 49.56%
2008 4.609.548.000 -65.87%
2009 -6.065.181.000 176%
2010 -10.153.114.000 40.26%
2011 3.333.601.000 404.57%
2012 -11.733.066.000 128.41%
2013 2.475.974.000 573.88%
2014 -6.823.889.000 136.28%
2015 1.704.791.000 500.28%
2016 3.152.548.000 45.92%
2017 31.090.527.000 89.86%
2018 -32.536.096.000 195.56%
2019 -18.392.000.000 -76.9%
2020 81.893.000.000 122.46%
2021 -8.758.000.000 1035.07%
2022 9.094.000.000 196.31%
2023 -42.280.000.000 121.51%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

UniCredit S.p.A. Operating Cashflow
Year Operating Cashflow Growth
2004 1.821.189.000
2005 2.241.987.000 18.77%
2006 11.795.022.000 80.99%
2007 15.299.768.000 22.91%
2008 6.506.256.000 -135.15%
2009 -3.983.545.000 263.33%
2010 -8.265.725.000 51.81%
2011 4.928.763.000 267.7%
2012 -10.189.061.000 148.37%
2013 4.095.176.000 348.81%
2014 -5.274.566.000 177.64%
2015 3.278.440.000 260.89%
2016 4.980.041.000 34.17%
2017 32.499.408.000 84.68%
2018 -30.959.526.000 204.97%
2019 -16.207.000.000 -91.03%
2020 83.323.000.000 119.45%
2021 -7.521.000.000 1207.87%
2022 10.264.000.000 173.28%
2023 -41.128.000.000 124.96%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

UniCredit S.p.A. Capital Expenditure
Year Capital Expenditure Growth
2004 406.131.000
2005 906.737.000 55.21%
2006 7.938.315.000 88.58%
2007 7.653.705.000 -3.72%
2008 1.896.708.000 -303.53%
2009 2.081.636.000 8.88%
2010 1.887.389.000 -10.29%
2011 1.595.162.000 -18.32%
2012 1.544.005.000 -3.31%
2013 1.619.202.000 4.64%
2014 1.549.323.000 -4.51%
2015 1.573.649.000 1.55%
2016 1.827.493.000 13.89%
2017 1.408.881.000 -29.71%
2018 1.576.570.000 10.64%
2019 2.185.000.000 27.85%
2020 1.430.000.000 -52.8%
2021 1.237.000.000 -15.6%
2022 1.170.000.000 -5.73%
2023 1.152.000.000 -1.56%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

UniCredit S.p.A. Equity
Year Equity Growth
2003 13.852.275.000
2004 15.164.253.000 8.65%
2005 39.105.700.000 61.22%
2006 42.742.445.000 8.51%
2007 62.464.455.000 31.57%
2008 58.240.392.000 -7.25%
2009 62.891.912.000 7.4%
2010 67.703.225.000 7.11%
2011 54.797.578.000 -23.55%
2012 66.453.080.000 17.54%
2013 50.174.767.000 -32.44%
2014 52.835.552.000 5.04%
2015 53.485.523.000 1.22%
2016 43.188.302.000 -23.84%
2017 60.224.700.000 28.29%
2018 56.767.781.000 -6.09%
2019 61.785.000.000 8.12%
2020 59.942.000.000 -3.07%
2021 62.093.000.000 3.46%
2022 63.497.000.000 2.21%
2023 64.243.000.000 1.16%
2023 62.883.000.000 -2.16%
2024 62.171.000.000 -1.15%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

UniCredit S.p.A. Assets
Year Assets Growth
2003 238.255.636.000
2004 265.855.170.000 10.38%
2005 787.000.218.000 66.22%
2006 823.284.214.000 4.41%
2007 1.021.758.369.000 19.42%
2008 1.045.611.549.000 2.28%
2009 928.759.671.000 -12.58%
2010 929.487.555.000 0.08%
2011 926.768.744.000 -0.29%
2012 926.827.473.000 0.01%
2013 845.838.444.000 -9.57%
2014 844.217.390.000 -0.19%
2015 860.433.375.000 1.88%
2016 859.532.774.000 -0.1%
2017 836.789.724.000 -2.72%
2018 831.468.724.000 -0.64%
2019 855.647.000.000 2.83%
2020 931.456.000.000 8.14%
2021 916.671.000.000 -1.61%
2022 857.773.000.000 -6.87%
2023 784.974.000.000 -9.27%
2023 825.644.000.000 4.93%
2024 798.925.000.000 -3.34%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

UniCredit S.p.A. Liabilities
Year Liabilities Growth
2003 224.403.361.000
2004 250.690.917.000 10.49%
2005 747.894.518.000 66.48%
2006 780.541.769.000 4.18%
2007 959.293.914.000 18.63%
2008 987.371.157.000 2.84%
2009 865.867.759.000 -14.03%
2010 861.784.330.000 -0.47%
2011 871.971.166.000 1.17%
2012 860.374.393.000 -1.35%
2013 795.663.677.000 -8.13%
2014 791.381.838.000 -0.54%
2015 806.947.852.000 1.93%
2016 816.344.472.000 1.15%
2017 776.565.024.000 -5.12%
2018 774.700.943.000 -0.24%
2019 793.862.000.000 2.41%
2020 871.514.000.000 8.91%
2021 854.578.000.000 -1.98%
2022 794.276.000.000 -7.59%
2023 89.845.000.000 -784.05%
2023 92.551.000.000 2.92%
2024 736.754.000.000 87.44%

UniCredit S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.4
Net Income per Share
6.13
Price to Earning Ratio
6.41x
Price To Sales Ratio
2.42x
POCF Ratio
-5.62
PFCF Ratio
-4.86
Price to Book Ratio
1.07
EV to Sales
5.49
EV Over EBITDA
25.42
EV to Operating CashFlow
-11.32
EV to FreeCashFlow
-11.03
Earnings Yield
0.16
FreeCashFlow Yield
-0.21
Market Cap
58,98 Bil.
Enterprise Value
133,88 Bil.
Graham Number
71.08
Graham NetNet
-405.79

Income Statement Metrics

Net Income per Share
6.13
Income Quality
-1.14
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.81
EBT Per Ebit
0.96
Ebit per Revenue
0.55
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.12
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.99
Operating Profit Margin
0.55
Pretax Profit Margin
0.53
Net Profit Margin
0.43

Dividends

Dividend Yield
0.01
Dividend Yield %
1.07
Payout Ratio
0.03
Dividend Per Share
7.79

Operating Metrics

Operating Cashflow per Share
-6.99
Free CashFlow per Share
-7.17
Capex to Operating CashFlow
-0.03
Capex to Revenue
0.01
Capex to Depreciation
1.58
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.18

Balance Sheet

Cash per Share
29,56
Book Value per Share
36,74
Tangible Book Value per Share
35.44
Shareholders Equity per Share
36.64
Interest Debt per Share
73.82
Debt to Equity
2.01
Debt to Assets
0.16
Net Debt to EBITDA
14.22
Current Ratio
54.56
Tangible Asset Value
59,98 Bil.
Net Current Asset Value
-686,73 Bil.
Invested Capital
60264000000
Working Capital
49,11 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.12

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

UniCredit S.p.A. Dividends
Year Dividends Growth
2009 0
2010 0 0%
2011 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2018 1 100%
2019 1 0%
2020 3 50%
2021 1 0%
2022 2 100%
2023 5 50%
2024 8 42.86%

UniCredit S.p.A. Profile

About UniCredit S.p.A.

UniCredit S.p.A. operates as a commercial bank that provides retail, corporate, and private banking services. It offers accounts and deposits, loans, cards, transactions and payments, funds, advisory, treasury, and insurance products, as well as digital and mobile banking services. The company also provides solutions for payments and liquidity, working capital, hedging, international trade, and treasury operations; and funding solutions comprising of structured, project, and commodity trade and export finance, as well as debt and equity funding; and structured investments and investments advisory solutions. In addition, the company provides corporate finance, capital structure, and rating advisory, as well as patient capital, financial sponsor solutions, and sustainable finance solutions. It servs retail, corporate, and public sector customers, as well as international companies and institutional clients. The company operates in Italy, Other European countries, America, Asia, and internationally. The company was formerly known as Unicredito Italiano S.p.A and changed its name to UniCredit S.p.A. UniCredit S.p.A. was founded in 1870 and is headquartered in Milan, Italy.

CEO
Mr. Andrea Orcel
Employee
69.454
Address
Tower A
Milan, 20154

UniCredit S.p.A. Executives & BODs

UniCredit S.p.A. Executives & BODs
# Name Age
1 Mr. Jürgen Dennert
Executive Vice President and Head of Audit & Corporate Bodies Support & QAR
70
2 Mr. Ali Khan
Group Information & Digital Officer
70
3 Ms. Siobhan McDonagh
Head of Group People & Culture
70
4 Ms. Rita Izzo
Head of Group Legal - ad Interim
70
5 Ms. Serenella de Candia
Group Compliance Officer
70
6 Mr. Andrea Orcel
Chair of HypoVereinsbank-UniCredit Bank GmbH & UniCredit Foundation, Grp. Chief Executive Officer, Head Of Italy & Dir.
70
7 Dr. Mikhail Yuryevich Alekseev
Executive Vice President
70
8 Mr. Stefano Porro
Chief Financial Officer
70
9 Mr. Gianfranco Bisagni
Group Chief Operating Officer
70
10 Ms. Magda Palczynska
Head of Group Investor Relations
70

UniCredit S.p.A. Competitors