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Also traded in: Germany, Italy, Poland, Switzerland, UK

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
97% of the 1606 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.02 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 1612 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 1533 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
F-Score: 3
WACC vs ROIC
20.12%
3.09%
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
85% of the 1627 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.98 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
81% 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
81% of the 1623 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.57 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: 0.89 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
Revenue Growth (3Y)(%) 1.60
UNCFF's Revenue Growth (3Y)(%) is ranked lower than
60% of the 1346 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.40 vs. UNCFF: 1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UNCFF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -38  Med: -9.7 Max: 14.3
Current: 1.6
-38
14.3
EBITDA Growth (3Y)(%) 29.80
UNCFF's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1235 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.70 vs. UNCFF: 29.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UNCFF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -66  Med: -9.6 Max: 38.5
Current: 29.8
-66
38.5
EPS Growth (3Y)(%) 20.60
UNCFF's EPS Growth (3Y)(%) is ranked higher than
79% of the 1209 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.40 vs. UNCFF: 20.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UNCFF' s EPS Growth (3Y)(%) 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
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Europe  
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Traded in other countries:CRIH.Germany, UCG.Italy, UCG.Poland, UCG.Switzerland, 0Q54.UK,
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
P/E(ttm) 93.47
UNCFF's P/E(ttm) is ranked lower than
97% of the 1493 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.26 vs. UNCFF: 93.47 )
Ranked among companies with meaningful P/E(ttm) only.
UNCFF' s P/E(ttm) Range Over the Past 10 Years
Min: 4.35  Med: 23.05 Max: 157.42
Current: 93.47
4.35
157.42
Forward P/E 67.57
UNCFF's Forward P/E is ranked higher than
93% of the 366 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 15.41 vs. UNCFF: 67.57 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 93.47
UNCFF's PE(NRI) is ranked lower than
98% of the 1490 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.29 vs. UNCFF: 93.47 )
Ranked among companies with meaningful PE(NRI) only.
UNCFF' s PE(NRI) Range Over the Past 10 Years
Min: 4.35  Med: 21.08 Max: 366.17
Current: 93.47
4.35
366.17
Price/Owner Earnings (ttm) 11.77
UNCFF's Price/Owner Earnings (ttm) is ranked lower than
97% of the 881 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.64 vs. UNCFF: 11.77 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UNCFF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.39  Med: 11.16 Max: 19.66
Current: 11.77
2.39
19.66
P/B 0.33
UNCFF's P/B is ranked lower than
95% of the 1607 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.16 vs. UNCFF: 0.33 )
Ranked among companies with meaningful P/B only.
UNCFF' s P/B Range Over the Past 10 Years
Min: 0.14  Med: 0.51 Max: 1.35
Current: 0.33
0.14
1.35
P/S 0.93
UNCFF's P/S is ranked lower than
94% of the 1587 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.37 vs. UNCFF: 0.93 )
Ranked among companies with meaningful P/S only.
UNCFF' s P/S Range Over the Past 10 Years
Min: 0.47  Med: 1.95 Max: 12.16
Current: 0.93
0.47
12.16
EV-to-EBIT 2.65
UNCFF's EV-to-EBIT is ranked higher than
91% of the 1216 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.39 vs. UNCFF: 2.65 )
Ranked among companies with meaningful EV-to-EBIT only.
UNCFF' s EV-to-EBIT Range Over the Past 10 Years
Min: -34.7  Med: 7.7 Max: 81.3
Current: 2.65
-34.7
81.3
EV-to-EBITDA 2.12
UNCFF's EV-to-EBITDA is ranked higher than
92% of the 1226 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.20 vs. UNCFF: 2.12 )
Ranked among companies with meaningful EV-to-EBITDA only.
UNCFF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -527.3  Med: 6 Max: 61
Current: 2.12
-527.3
61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.77
UNCFF's Dividend Yield is ranked higher than
82% of the 2358 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.55 vs. UNCFF: 4.77 )
Ranked among companies with meaningful Dividend Yield only.
UNCFF' s Dividend Yield Range Over the Past 10 Years
Min: 0.41  Med: 1.7 Max: 6.41
Current: 4.77
0.41
6.41
Dividend Payout 0.41
UNCFF's Dividend Payout is ranked lower than
64% of the 1314 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.32 vs. UNCFF: 0.41 )
Ranked among companies with meaningful Dividend Payout only.
UNCFF' s Dividend Payout Range Over the Past 10 Years
Min: 0.3  Med: 0.42 Max: 0.86
Current: 0.41
0.3
0.86
Forward Dividend Yield 4.95
UNCFF's Forward Dividend Yield is ranked higher than
81% of the 2268 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.77 vs. UNCFF: 4.95 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.77
UNCFF's Yield on cost (5-Year) is ranked higher than
69% of the 2640 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.36 vs. UNCFF: 4.77 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UNCFF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.41  Med: 1.7 Max: 6.41
Current: 4.77
0.41
6.41
3-Year Average Share Buyback Ratio -2.80
UNCFF's 3-Year Average Share Buyback Ratio is ranked lower than
53% of the 1049 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -2.00 vs. UNCFF: -2.80 )
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: -30.9  Med: -19.35 Max: -2.8
Current: -2.8
-30.9
-2.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.37
UNCFF's Price/Tangible Book is ranked lower than
96% of the 1600 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.23 vs. UNCFF: 0.37 )
Ranked among companies with meaningful Price/Tangible Book only.
UNCFF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.27  Med: 0.71 Max: 2.1
Current: 0.37
0.27
2.1
Price/Projected FCF 0.29
UNCFF's Price/Projected FCF is ranked lower than
95% of the 886 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.79 vs. UNCFF: 0.29 )
Ranked among companies with meaningful Price/Projected FCF only.
UNCFF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.54 Max: 0.68
Current: 0.29
0.21
0.68
Price/Median PS Value 0.47
UNCFF's Price/Median PS Value is ranked lower than
99% of the 1463 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.14 vs. UNCFF: 0.47 )
Ranked among companies with meaningful Price/Median PS Value only.
UNCFF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 0.97 Max: 4.51
Current: 0.47
0.34
4.51
Price/Graham Number 0.39
UNCFF's Price/Graham Number is ranked lower than
98% of the 1404 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.95 vs. UNCFF: 0.39 )
Ranked among companies with meaningful Price/Graham Number only.
UNCFF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.28  Med: 0.88 Max: 2.25
Current: 0.39
0.28
2.25
Earnings Yield (Greenblatt) (%) 37.74
UNCFF's Earnings Yield (Greenblatt) (%) is ranked higher than
93% of the 1605 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.80 vs. UNCFF: 37.74 )
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 Max: 13466.7
Current: 37.74
1.2
13466.7

More Statistics

Revenue (TTM) (Mil) $19,791
EPS (TTM) $ 3.30
Beta1.40
Short Percentage of Float0.00%
52-Week Range $19.30 - 44.90
Shares Outstanding (Mil)618.03

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 24,038 24,625 23,929
EPS ($) 0.34 0.35 0.50
EPS w/o NRI ($) 0.34 0.35 0.50
EPS Growth Rate
(3Y to 5Y Estimate)
2.00%
Dividends Per Share ($) 0.09 0.16 0.21

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