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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
96% of the 1495 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.97 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
86% of the 1496 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 1758 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.61 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
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 : 3/10

vs
industry
vs
history
Operating Margin % 11.16
UNCFF's Operating Margin % is ranked lower than
86% of the 1511 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.68 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: 10.89 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 1510 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.91 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: 7.86 Max: 29.06
Current: 10.82
-144.33
29.06
ROE % 3.48
UNCFF's ROE % is ranked lower than
81% of the 1509 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.30 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 1518 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.87 vs. UNCFF: 0.22 )
Ranked among companies with meaningful ROA % only.
UNCFF' s ROA % Range Over the Past 10 Years
Min: -1.59  Med: 0.19 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
62% of the 1316 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.90 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: -44.1  Med: -2.85 Max: 14.3
Current: 1.6
-44.1
14.3
3-Year EBITDA Growth Rate 29.80
UNCFF's 3-Year EBITDA Growth Rate is ranked higher than
88% of the 1228 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.20 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: -65.5  Med: -11 Max: 38.4
Current: 29.8
-65.5
38.4
3-Year EPS without NRI Growth Rate 20.60
UNCFF's 3-Year EPS without NRI Growth Rate is ranked higher than
79% of the 1184 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.30 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: -11.2 Max: 20.6
Current: 20.6
-44.6
20.6
GuruFocus has detected 1 Warning Sign with UniCredit SpA $UNCFF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UNCFF's 10-Y Financials

Financials (Next Earnings Date: 2017-05-09 Est.)


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  
Compare:LSE:CIHL » details
Traded in other countries:CRIN.Germany, UCG.Italy, UCG.Poland, UCG.Switzerland, 0RLS.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 is one of Italy's two largest banks. It operates approximately 7,000 branches in 17 European countries, including in Central and Eastern Europe. The bank engages in most major lines of the financial services business, including asset management, private banking, trading, and M&A advisement.

Ratios

vs
industry
vs
history
PE Ratio 9.72
UNCFF's PE Ratio is ranked higher than
72% of the 1941 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.56 vs. UNCFF: 9.72 )
Ranked among companies with meaningful PE Ratio only.
UNCFF' s PE Ratio Range Over the Past 10 Years
Min: 5.82  Med: 21.87 Max: 68.18
Current: 9.72
5.82
68.18
Forward PE Ratio 12.99
UNCFF's Forward PE Ratio is ranked higher than
58% of the 526 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.33 vs. UNCFF: 12.99 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 9.86
UNCFF's PE Ratio without NRI is ranked higher than
73% of the 1635 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.25 vs. UNCFF: 9.86 )
Ranked among companies with meaningful PE Ratio without NRI only.
UNCFF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.83  Med: 20.05 Max: 115.89
Current: 9.86
5.83
115.89
Price-to-Owner-Earnings 12.48
UNCFF's Price-to-Owner-Earnings is ranked higher than
58% of the 905 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.04 vs. UNCFF: 12.48 )
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: 11.04 Max: 30.54
Current: 12.48
2.31
30.54
PB Ratio 0.35
UNCFF's PB Ratio is ranked higher than
93% of the 1810 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.17 vs. UNCFF: 0.35 )
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: 0.35
0.15
1.35
PS Ratio 0.98
UNCFF's PS Ratio is ranked higher than
93% of the 1833 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.32 vs. UNCFF: 0.98 )
Ranked among companies with meaningful PS Ratio only.
UNCFF' s PS Ratio Range Over the Past 10 Years
Min: 0.41  Med: 1.62 Max: 12.15
Current: 0.98
0.41
12.15
EV-to-EBIT 2.77
UNCFF's EV-to-EBIT is ranked higher than
85% of the 1558 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.64 vs. UNCFF: 2.77 )
Ranked among companies with meaningful EV-to-EBIT only.
UNCFF' s EV-to-EBIT Range Over the Past 10 Years
Min: -34.7  Med: 5.95 Max: 77.9
Current: 2.77
-34.7
77.9
EV-to-EBITDA 2.23
UNCFF's EV-to-EBITDA is ranked higher than
87% of the 1576 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 10.00 vs. UNCFF: 2.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
UNCFF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -527.1  Med: 4.4 Max: 61
Current: 2.23
-527.1
61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.42
UNCFF's Dividend Yield % is ranked higher than
79% of the 2303 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.69 vs. UNCFF: 4.42 )
Ranked among companies with meaningful Dividend Yield % only.
UNCFF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.82  Med: 2.08 Max: 7.17
Current: 4.42
0.82
7.17
Dividend Payout Ratio 0.40
UNCFF's Dividend Payout Ratio is ranked lower than
63% of the 1315 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: 1.02
Current: 0.4
0.3
1.02
Forward Dividend Yield % 4.42
UNCFF's Forward Dividend Yield % is ranked higher than
76% of the 2274 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.95 vs. UNCFF: 4.42 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.42
UNCFF's 5-Year Yield-on-Cost % is ranked higher than
65% of the 2649 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.27 vs. UNCFF: 4.42 )
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: 0.82  Med: 2.08 Max: 7.17
Current: 4.42
0.82
7.17
3-Year Average Share Buyback Ratio -1.00
UNCFF's 3-Year Average Share Buyback Ratio is ranked higher than
55% of the 1010 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -1.60 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 0.39
UNCFF's Price-to-Tangible-Book is ranked higher than
92% of the 1798 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.25 vs. UNCFF: 0.39 )
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: 0.39
0.27
1.75
Price-to-Intrinsic-Value-Projected-FCF 0.30
UNCFF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
89% of the 1104 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.80 vs. UNCFF: 0.30 )
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: 0.61 Max: 0.89
Current: 0.3
0.21
0.89
Price-to-Median-PS-Value 0.61
UNCFF's Price-to-Median-PS-Value is ranked higher than
94% of the 1693 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.15 vs. UNCFF: 0.61 )
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: 0.94 Max: 5.43
Current: 0.61
0.35
5.43
Price-to-Graham-Number 0.41
UNCFF's Price-to-Graham-Number is ranked higher than
90% of the 1556 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.93 vs. UNCFF: 0.41 )
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: 0.85 Max: 1.56
Current: 0.41
0.28
1.56
Earnings Yield (Greenblatt) % 36.10
UNCFF's Earnings Yield (Greenblatt) % is ranked higher than
89% of the 2086 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.41 vs. UNCFF: 36.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UNCFF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 11.4 Max: 21221.1
Current: 36.1
1.3
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 - 20.26
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
UniCredit S.p.A - Mortgage Covered Bonds 2 (CPT) -- Moody's assigns provisional (P)Aa2 to UniCredit... Mar 24 2017
Abu Dhabi's Aabar top investor in UniCredit with 5 pct after cash call Mar 22 2017
Italian Banks Recovering, Scope Ratings Reports Mar 17 2017
Italian Banks Are Recovering Right Under Investors' Noses Mar 17 2017
Unicredit S.p.A upgraded by Barclays Mar 14 2017
Amundi Launches Cash Call to Fund Deal to Buy Pioneer from UniCredit Mar 14 2017
Full Show: Bloomberg Daybreak: Americas (03/03) Mar 03 2017
UniCredit SpA breached its 50 day moving average in a Bullish Manner : UNCFF-US : March 3, 2017 Mar 03 2017
[$$] 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
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

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