UniCredit S.p.A.
UniCredit S.p.A. Fundamental Analysis
UniCredit S.p.A. (UNCFF) shows strong financial fundamentals with a PE ratio of 12.31, profit margin of 46.61%, and ROE of 16.73%. The company generates $20.1B in annual revenue with moderate year-over-year growth of 4.52%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 46.3/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze UNCFF's fundamental strength across five key dimensions:
Efficiency Score
WeakUNCFF struggles to generate sufficient returns from assets.
Valuation Score
ModerateUNCFF shows balanced valuation metrics.
Growth Score
ModerateUNCFF shows steady but slowing expansion.
Financial Health Score
ModerateUNCFF shows balanced financial health with some risks.
Profitability Score
ModerateUNCFF maintains healthy but balanced margins.
Key Financial Metrics
Is UNCFF Expensive or Cheap?
P/E Ratio
UNCFF trades at 12.31 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UNCFF's PEG of 5.12 indicates potential overvaluation.
Price to Book
The market values UniCredit S.p.A. at 2.01 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -3.88 times EBITDA. This is generally considered low.
How Well Does UNCFF Make Money?
Net Profit Margin
For every $100 in sales, UniCredit S.p.A. keeps $46.61 as profit after all expenses.
Operating Margin
Core operations generate 62.51 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $16.73 in profit for every $100 of shareholder equity.
ROA
UniCredit S.p.A. generates $1.27 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
UniCredit S.p.A. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
UniCredit S.p.A. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
UNCFF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.31
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
5.12
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.006
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.87
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.58
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.72
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How UNCFF Stacks Against Its Sector Peers
| Metric | UNCFF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.31 | 18.73 | Better (Cheaper) |
| ROE | 16.73% | 847.00% | Weak |
| Net Margin | 46.61% | 2562.00% | Weak |
| Debt/Equity | 2.58 | 0.93 | Weak (High Leverage) |
| Current Ratio | 2.72 | 674.76 | Strong Liquidity |
| ROA | 1.27% | -21692.00% (disorted) | Weak |
UNCFF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews UniCredit S.p.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
57.03%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
265.49%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
42.68%
Industry Style: Value, Dividend, Cyclical
High Growth