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Also traded in: Germany, Italy, Poland, Switzerland

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt No Debt
UNCFF's Cash-to-Debt is ranked higher than
96% of the 1610 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.14 vs. UNCFF: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
UNCFF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.06
UNCFF's Equity-to-Asset is ranked lower than
87% of the 1614 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. UNCFF: 0.06 )
Ranked among companies with meaningful Equity-to-Asset only.
UNCFF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.06 Max: 0.07
Current: 0.06
0.06
0.07
Interest Coverage 0.18
UNCFF's Interest Coverage is ranked lower than
94% of the 1610 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.66 vs. UNCFF: 0.18 )
Ranked among companies with meaningful Interest Coverage only.
UNCFF' s Interest Coverage Range Over the Past 10 Years
Min: 0.09  Med: 0.24 Max: 0.38
Current: 0.18
0.09
0.38
Piotroski F-Score: 3
WACC vs ROIC
15.32%
3.55%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 11.16
UNCFF's Operating Margin % is ranked lower than
86% of the 1627 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 31.10 vs. UNCFF: 11.16 )
Ranked among companies with meaningful Operating Margin % only.
UNCFF' s Operating Margin % Range Over the Past 10 Years
Min: -160.5  Med: 12.36 Max: 35.83
Current: 11.16
-160.5
35.83
Net Margin % 10.82
UNCFF's Net Margin % is ranked lower than
82% of the 1625 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.46 vs. UNCFF: 10.82 )
Ranked among companies with meaningful Net Margin % only.
UNCFF' s Net Margin % Range Over the Past 10 Years
Min: -144.33  Med: 10.18 Max: 29.06
Current: 10.82
-144.33
29.06
ROE % 3.48
UNCFF's ROE % is ranked lower than
82% of the 1623 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.50 vs. UNCFF: 3.48 )
Ranked among companies with meaningful ROE % only.
UNCFF' s ROE % Range Over the Past 10 Years
Min: -25.93  Med: 3.09 Max: 14.79
Current: 3.48
-25.93
14.79
ROA % 0.22
UNCFF's ROA % is ranked lower than
85% of the 1632 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.90 vs. UNCFF: 0.22 )
Ranked among companies with meaningful ROA % only.
UNCFF' s ROA % Range Over the Past 10 Years
Min: -1.59  Med: 0.21 Max: 0.76
Current: 0.22
-1.59
0.76
3-Year Revenue Growth Rate 1.60
UNCFF's 3-Year Revenue Growth Rate is ranked lower than
63% of the 1366 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 4.20 vs. UNCFF: 1.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UNCFF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -38  Med: -9.7 Max: 14.3
Current: 1.6
-38
14.3
3-Year EBITDA Growth Rate 29.80
UNCFF's 3-Year EBITDA Growth Rate is ranked higher than
89% of the 1264 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.20 vs. UNCFF: 29.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UNCFF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -66  Med: -9.6 Max: 38.4
Current: 29.8
-66
38.4
3-Year EPS without NRI Growth Rate 20.60
UNCFF's 3-Year EPS without NRI Growth Rate is ranked higher than
78% of the 1244 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.50 vs. UNCFF: 20.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UNCFF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -44.6  Med: -6.1 Max: 20.6
Current: 20.6
-44.6
20.6
GuruFocus has detected 2 Warning Signs with UniCredit SpA $UNCFF.
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» UNCFF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Europe  
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Traded in other countries:CRIN.Germany, UCG.Italy, UCG.Poland, UCG.Switzerland,
UniCredit SpA is an European commercial bank with a network spanning 50 markets and approximately 8500 branches. It provides private banking and corporate & investment banking services.

UniCredit SpA was incorporated on February 2, 2004. It is an European commercial bank with a network spanning 50 markets, with more than 7,900 branches. The Company's operating business segments are Commercial Banking Italy; Commercial Banking Germany; Commercial Banking Austria; Poland; CEE Division; CIB; Asset Management; Asset Gathering; and Non-core. The Commercial Banking Italy is composed by the company's commercial network related to Core clients, Leasing, Factoring and local Corporate Center with supporting functions for the Italian business. The Commercial Banking Germany provides all German customers with a complete range of banking products and services through a network of around 580 branch offices. The Commercial Banking Austria provides all Austrian customers with a complete range of banking products and services. It is composed of: Retail, Corporate, Private Banking, the product factories Factoring and Leasing and the local Corporate Center Retail covers business with private individuals, ranging from mass-market to affluent customers. The segment Poland manages the compnay's operations within the Bank Pekao S.A. Group in Poland. Bank Pekao S.A. Group includes financial institutions operating in banking, asset management, pension funds, brokerage services, transactional advisory, leasing and factoring markets. The CIB Division targets Corporate and Multinational clients with sophisticated financial profile and needs for investment banking services, as well as institutional clients of the company. The Asset Management business segment operates through Pioneer Investments, the company within the company's specializing in the management of customer investments. The business segment acts as a centralized product factory and, in addition, directs, supports and supervises the development of local business at regional level. The Asset gathering is a business segment specialized in wealth management through the direct channel and the financial advisors network, mainly focused on the retail customer segment. Asset Gathering operates through Fineco Bank, company's direct multichannel bank. The Non-core segment includes selected assets of Commercial Banking Italy and some special vehicles for securitization operations and the results of the subsidiary. The Company operates in Austria, Azerbaijan, Bosnia, And Herzegovina, Bulgaria, Croatia, Czech republic, Germany, Hungary, Italy, Poland, Romania, Russia, Serbia, Slovakia, Slovenia, Turkey, and Ukraine.

Ratios

vs
industry
vs
history
PE Ratio 8.22
UNCFF's PE Ratio is ranked higher than
78% of the 1585 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.23 vs. UNCFF: 8.22 )
Ranked among companies with meaningful PE Ratio only.
UNCFF' s PE Ratio Range Over the Past 10 Years
Min: 3.68  Med: 19.89 Max: 157.32
Current: 8.22
3.68
157.32
Forward PE Ratio 11.21
UNCFF's Forward PE Ratio is ranked higher than
75% of the 390 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 16.21 vs. UNCFF: 11.21 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 8.33
UNCFF's PE Ratio without NRI is ranked higher than
79% of the 1517 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.53 vs. UNCFF: 8.33 )
Ranked among companies with meaningful PE Ratio without NRI only.
UNCFF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.68  Med: 19.3 Max: 367
Current: 8.33
3.68
367
Price-to-Owner-Earnings 10.55
UNCFF's Price-to-Owner-Earnings is ranked higher than
64% of the 868 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.84 vs. UNCFF: 10.55 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UNCFF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.31  Med: 10.38 Max: 19.65
Current: 10.55
2.31
19.65
PB Ratio 0.29
UNCFF's PB Ratio is ranked higher than
95% of the 1683 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.19 vs. UNCFF: 0.29 )
Ranked among companies with meaningful PB Ratio only.
UNCFF' s PB Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.52 Max: 1.35
Current: 0.29
0.15
1.35
PS Ratio 0.83
UNCFF's PS Ratio is ranked higher than
94% of the 1674 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.44 vs. UNCFF: 0.83 )
Ranked among companies with meaningful PS Ratio only.
UNCFF' s PS Ratio Range Over the Past 10 Years
Min: 0.47  Med: 1.92 Max: 12.15
Current: 0.83
0.47
12.15
EV-to-EBIT 1.39
UNCFF's EV-to-EBIT is ranked higher than
93% of the 1281 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.38 vs. UNCFF: 1.39 )
Ranked among companies with meaningful EV-to-EBIT only.
UNCFF' s EV-to-EBIT Range Over the Past 10 Years
Min: -34.7  Med: 7.6 Max: 81.3
Current: 1.39
-34.7
81.3
EV-to-EBITDA 1.11
UNCFF's EV-to-EBITDA is ranked higher than
94% of the 1295 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.35 vs. UNCFF: 1.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
UNCFF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -527.1  Med: 5.9 Max: 61
Current: 1.11
-527.1
61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 5.37
UNCFF's Dividend Yield % is ranked higher than
85% of the 2302 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.67 vs. UNCFF: 5.37 )
Ranked among companies with meaningful Dividend Yield % only.
UNCFF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.82  Med: 2.06 Max: 7.17
Current: 5.37
0.82
7.17
Dividend Payout Ratio 0.40
UNCFF's Dividend Payout Ratio is ranked lower than
62% of the 1292 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.33 vs. UNCFF: 0.40 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UNCFF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.3  Med: 0.42 Max: 0.86
Current: 0.4
0.3
0.86
Forward Dividend Yield % 5.37
UNCFF's Forward Dividend Yield % is ranked higher than
83% of the 2243 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.84 vs. UNCFF: 5.37 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.36
UNCFF's 5-Year Yield-on-Cost % is ranked higher than
71% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.34 vs. UNCFF: 5.36 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UNCFF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.72  Med: 2.26 Max: 6.77
Current: 5.36
1.72
6.77
3-Year Average Share Buyback Ratio -1.00
UNCFF's 3-Year Average Share Buyback Ratio is ranked higher than
57% of the 1063 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -2.10 vs. UNCFF: -1.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UNCFF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -35.4  Med: -16.35 Max: 3.2
Current: -1
-35.4
3.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.33
UNCFF's Price-to-Tangible-Book is ranked higher than
94% of the 1680 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.23 vs. UNCFF: 0.33 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UNCFF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.27  Med: 0.71 Max: 1.75
Current: 0.33
0.27
1.75
Price-to-Intrinsic-Value-Projected-FCF 0.26
UNCFF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
92% of the 911 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.84 vs. UNCFF: 0.26 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UNCFF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.56 Max: 0.68
Current: 0.26
0.21
0.68
Price-to-Median-PS-Value 0.43
UNCFF's Price-to-Median-PS-Value is ranked higher than
96% of the 1545 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.16 vs. UNCFF: 0.43 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UNCFF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.35  Med: 0.98 Max: 4.58
Current: 0.43
0.35
4.58
Price-to-Graham-Number 0.35
UNCFF's Price-to-Graham-Number is ranked higher than
93% of the 1465 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.95 vs. UNCFF: 0.35 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UNCFF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.28  Med: 0.88 Max: 2.26
Current: 0.35
0.28
2.26
Earnings Yield (Greenblatt) % 71.90
UNCFF's Earnings Yield (Greenblatt) % is ranked higher than
95% of the 1696 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.70 vs. UNCFF: 71.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UNCFF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.2  Med: 10.3 Max: 21221.1
Current: 71.9
1.2
21221.1

More Statistics

Revenue (TTM) (Mil) $19,791
EPS (TTM) $ 1.65
Beta1.46
Short Percentage of Float0.00%
52-Week Range $9.65 - 22.46
Shares Outstanding (Mil)1,233.03

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 24,038 24,633 23,929
EPS ($) 1.79 1.21 1.52
EPS without NRI ($) 1.79 1.21 1.52
EPS Growth Rate
(Future 3Y To 5Y Estimate)
-11.30%
Dividends per Share ($) 0.37 0.50 0.61
» More Articles for UNCFF

Headlines

Articles On GuruFocus.com
UniCredit Sells Pioneer Investments to Amundi Dec 12 2016 
The Status of Italian Banks Dec 06 2016 

More From Other Websites
[$$] Market Talk: Daily Analysis Roundup Feb 24 2017
UniCredit Shares Gain After $13.7 billion Rights Issue Nears Full Subscription Feb 24 2017
UniCredit Completes Most of a $13.6 Billion Rights Issue in One Day Feb 23 2017
UniCredit claims 99.8% success in 13bn euro rights offer Feb 23 2017
UniCredit's 13 billion euro share issue almost fully subscribed Feb 23 2017
UniCredit claims 99.8% success in 13bn euro rights offer Feb 23 2017
Is Political Risk Premium Being Priced Into U.S. Assets? Feb 20 2017
UniCredit SpA :UNCFF-US: Earnings Analysis: 2016 By the Numbers : February 14, 2017 Feb 14 2017
[$$] Italy considers ?5bn state bailout of regional banks Feb 14 2017
Lonsin Capital Says Situation Dire for Monte Paschi Feb 10 2017
UniCredit suffers net loss of 11.8 bn euros in 2016 Feb 09 2017
Italy's UniCredit bank posts massive $14.5 billion loss Feb 09 2017
Italy's UniCredit bank posts massive $14.5 billion loss Feb 09 2017
UniCredit Reports Bigger-than-Expected $14.5 billion Loss in Q4 Feb 09 2017
UniCredit Posts Jumbo Loss on Loan Provisions, Charges Feb 09 2017
UniCredit's Importance to the Future of Italian Banks Feb 09 2017
UniCredit suffers net loss of 11.8 bn euros in 2016 Feb 09 2017
Algebris CEO on European Banks, U.S. Regulation Feb 08 2017
Algebris CEO Sees UniCredit as Entry to European Recovery Feb 08 2017
UniCredit begins $14 billion cash call against shaky backdrop Feb 06 2017

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