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About The Company

Market Cap

30.45 Billion EUR

Sector

Financial Services

Website

https://www.unicreditgroup.eu

Description

UniCredit S.p.

Read More

Overview

Value

73

Growth

21

Health

70

Management

24

Analyst Opinion

69

Total

51

All Scores Out Of 100

Best Features

  • Earnings growth has improved recently
  • Has strong financial health
  • Price-to-earnings ratio of 12.6 is lower than the market average (19.6x)
  • Has a margin-of-safety above fair value
  • Has strong dividend growth
  • Low preportion of income is paid as dividend

Risk Factors

  • There is a history of diluting shareholders
  • Has a high level of debt
  • Poor earnings and cashflow growth
  • Cashflow is growing faster than revenue
  • Very safe dividend

Market Peers

UCG.MI

Key Figures

PE Ratio (TTM)

12.58

Margin Of Safety (DCF)

373.08%

Revenue Growth (5 Year Average)

-2.05%

Ratings Consensus

Buy

Share Buybacks

-0.03%

Dividend Yeild (TTM)

1.20%

Valuation

Value Score

73

  • Price-to-earnings ratio of 12.6 is lower than the market average (19.6x)
  • Margin-of-safety of 373.08% is better than the market average (17.95%)
  • Estimated intrinsic-value of 74.44 EUR is higher than current price ( 15.74 EUR)
  • Free-cashflow-yeild of 2.83% is worse than the market average (4.7%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 60.8 EUR

Current Price: 15.7 EUR

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

12.58x

Free Cashflow Yeild

2.83%

PE/Earnings Growth

N/A

Price/Book

0.48x

Growth

Growth Score

21

  • Earnings growth has improved this year
  • 5 Year Average Revenue growth of -2.05% is lower than the market average (10.97%)
  • Revenue growth has slowed this year
  • 5 Year Average Earnings growth of -7.46% is lower than the market average (14.48%)
  • 5 Year Average Free Cashflow growth of 10.35% is lower than the market average (12.35%)
  • Free Cashflow growth has slowed this year

Revenue Growth

-2.05%

Earnings Growth

-7.46%

Cashflow Growth

10.35%

Health

Health Score

70

  • Assets cover liabilities
  • Normal operation does not require debt to be sustainable
  • Has a high level of debt
  • Debt repayments significantly impact cashflow

Altman Z Score

N/A

Piostroski Score

N/A

Debt/Equity

2.03x

Current Assets/Liabilities

49.30x

Free Cashflow/Total Debt

N/Ax

Debt/Capital

0.75x

Dividend

Secure Dividend Score

81

  • Very safe
  • Long term dividend payout ratio of 25.41% is considered good
  • Payout ratio (TTM) of 14.25% is lower than the average (40%)
  • Dividends have shown growth over the last 5 years
  • Dividend growth has been accelerating recently
  • Spending a lower percentage of their income on dividends than last 5 years
  • Dividend yeild of 1.20% is less than the market average (1.85%)

Dividend Yeild

1.20%

Dividend Growth

18.74%

Payout Ratio (Earnings)

14.25%

Payout Ratio (Cashflow)

42.20%

Management

Management Score

24

  • Return-on-capital-employed of 0.80% is lower than the market average (10%)
  • Has issued new shares whilst share price is low
  • Has a history of diluting shareholders to finance activity
  • Has returned higher dividends when earnings have fallen
  • Return-on-equity of 2.12% is lower than the market average (15%)

Average Buybacks/Dilution

-0.03%

Recent Buybacks/Dilution

-12.89%

5 Year Price Volitility

25.85%

Return On Assets

0.14%

Return On Capital Employed

0.80%

Return On Equity

2.12%

Return On Free Cashflow

1.61%

Return On Investments

N/A

Analysts

Analyst Opinion

69

  • Ratings consensus is Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

UniCredit S.p.A.

Currency

EUR

Beta

1.599294

Vol Avg

16218633

Ceo

Cik

Cusip

Exchange

Milan

Full Time Employees

75858

Industry

Banks—Regional

Sector

Financial Services

Ipo Date

2000-01-03

Address

Tower A

City

Milan

State

MI

Country

IT

Zip

20154

Phone

39 02 88 621

All financial data provided by FMP

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