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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
Interest Coverage 0.37
UNCFF's Interest Coverage is ranked lower than
85% of the 1269 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.61 vs. UNCFF: 0.37 )
Ranked among companies with meaningful Interest Coverage only.
UNCFF' s 10-Year Interest Coverage Range
Min: 0.08  Med: 0.32 Max: 0.68
Current: 0.37
0.08
0.68
F-Score: 3
WACC vs ROIC
15.07%
6.13%
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 (%) 20.67
UNCFF's Operating margin (%) is ranked lower than
72% of the 1421 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.31 vs. UNCFF: 20.67 )
Ranked among companies with meaningful Operating margin (%) only.
UNCFF' s 10-Year Operating margin (%) Range
Min: -138.7  Med: 20.16 Max: 38.48
Current: 20.67
-138.7
38.48
Net-margin (%) 11.46
UNCFF's Net-margin (%) is ranked lower than
80% of the 1421 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.02 vs. UNCFF: 11.46 )
Ranked among companies with meaningful Net-margin (%) only.
UNCFF' s 10-Year Net-margin (%) Range
Min: -127.42  Med: 10.96 Max: 29.06
Current: 11.46
-127.42
29.06
ROE (%) 3.99
UNCFF's ROE (%) is ranked lower than
79% of the 1423 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.48 vs. UNCFF: 3.99 )
Ranked among companies with meaningful ROE (%) only.
UNCFF' s 10-Year ROE (%) Range
Min: -25.73  Med: 4.10 Max: 15.92
Current: 3.99
-25.73
15.92
ROA (%) 0.24
UNCFF's ROA (%) is ranked lower than
85% of the 1432 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.87 vs. UNCFF: 0.24 )
Ranked among companies with meaningful ROA (%) only.
UNCFF' s 10-Year ROA (%) Range
Min: -1.59  Med: 0.24 Max: 0.85
Current: 0.24
-1.59
0.85
Revenue Growth (3Y)(%) -23.50
UNCFF's Revenue Growth (3Y)(%) is ranked lower than
94% of the 1210 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.10 vs. UNCFF: -23.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UNCFF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -14.90 Max: 9
Current: -23.5
0
9
EBITDA Growth (3Y)(%) -21.90
UNCFF's EBITDA Growth (3Y)(%) is ranked lower than
91% of the 1066 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.60 vs. UNCFF: -21.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UNCFF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -21.90 Max: 6.2
Current: -21.9
0
6.2
» UNCFF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 97.77
UNCFF's P/E(ttm) is ranked lower than
98% of the 1300 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.20 vs. UNCFF: 97.77 )
Ranked among companies with meaningful P/E(ttm) only.
UNCFF' s 10-Year P/E(ttm) Range
Min: 5.32  Med: 23.53 Max: 111.38
Current: 97.77
5.32
111.38
Forward P/E 12.41
UNCFF's Forward P/E is ranked lower than
61% of the 718 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.82 vs. UNCFF: 12.41 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 72.60
UNCFF's PE(NRI) is ranked lower than
97% of the 1288 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.20 vs. UNCFF: 72.60 )
Ranked among companies with meaningful PE(NRI) only.
UNCFF' s 10-Year PE(NRI) Range
Min: 5.35  Med: 20.94 Max: 80.75
Current: 72.6
5.35
80.75
P/B 0.68
UNCFF's P/B is ranked higher than
78% of the 1381 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.05 vs. UNCFF: 0.68 )
Ranked among companies with meaningful P/B only.
UNCFF' s 10-Year P/B Range
Min: 0.15  Med: 0.53 Max: 1.15
Current: 0.68
0.15
1.15
P/S 1.79
UNCFF's P/S is ranked lower than
76% of the 1426 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.88 vs. UNCFF: 1.79 )
Ranked among companies with meaningful P/S only.
UNCFF' s 10-Year P/S Range
Min: 0.36  Med: 1.38 Max: 10.4
Current: 1.79
0.36
10.4
PFCF 13.17
UNCFF's PFCF is ranked lower than
61% of the 858 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 10.85 vs. UNCFF: 13.17 )
Ranked among companies with meaningful PFCF only.
UNCFF' s 10-Year PFCF Range
Min: 0.9  Med: 4.99 Max: 156.1
Current: 13.17
0.9
156.1
POCF 11.10
UNCFF's POCF is ranked lower than
62% of the 954 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9.17 vs. UNCFF: 11.10 )
Ranked among companies with meaningful POCF only.
UNCFF' s 10-Year POCF Range
Min: 0.87  Med: 2.60 Max: 14.94
Current: 11.1
0.87
14.94
EV-to-EBIT 50.31
UNCFF's EV-to-EBIT is ranked lower than
92% of the 1297 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.56 vs. UNCFF: 50.31 )
Ranked among companies with meaningful EV-to-EBIT only.
UNCFF' s 10-Year EV-to-EBIT Range
Min: -43.1  Med: 8.40 Max: 37.2
Current: 50.31
-43.1
37.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
UNCFF's Dividend Yield is ranked lower than
64% of the 2262 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.73 vs. UNCFF: 2.10 )
Ranked among companies with meaningful Dividend Yield only.
UNCFF' s 10-Year Dividend Yield Range
Min: 1.02  Med: 1.62 Max: 6
Current: 2.1
1.02
6
Dividend Payout 0.32
UNCFF's Dividend Payout is ranked higher than
52% of the 1321 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.33 vs. UNCFF: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
UNCFF' s 10-Year Dividend Payout Range
Min: 0.38  Med: 0.66 Max: 4.8
Current: 0.32
0.38
4.8
Dividend growth (3y) -100.00
UNCFF's Dividend growth (3y) is ranked lower than
94% of the 671 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.50 vs. UNCFF: -100.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
UNCFF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -51.70 Max: 12
Current: -100
0
12
Yield on cost (5-Year) 2.10
UNCFF's Yield on cost (5-Year) is ranked lower than
69% of the 2265 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.15 vs. UNCFF: 2.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UNCFF' s 10-Year Yield on cost (5-Year) Range
Min: 1.02  Med: 1.62 Max: 6
Current: 2.1
1.02
6
Share Buyback Rate -27.30
UNCFF's Share Buyback Rate is ranked lower than
92% of the 1012 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -1.90 vs. UNCFF: -27.30 )
Ranked among companies with meaningful Share Buyback Rate only.
UNCFF' s 10-Year Share Buyback Rate Range
Min: 0  Med: -20.70 Max: -30.9
Current: -27.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.69
UNCFF's Price/Tangible Book is ranked higher than
75% of the 1349 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.15 vs. UNCFF: 0.69 )
Ranked among companies with meaningful Price/Tangible Book only.
UNCFF' s 10-Year Price/Tangible Book Range
Min: 0.34  Med: 0.73 Max: 1.74
Current: 0.69
0.34
1.74
Price/Projected FCF 1.14
UNCFF's Price/Projected FCF is ranked lower than
88% of the 806 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.67 vs. UNCFF: 1.14 )
Ranked among companies with meaningful Price/Projected FCF only.
UNCFF' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 1.05 Max: 1.59
Current: 1.14
0.29
1.59
Price/Median PS Value 0.96
UNCFF's Price/Median PS Value is ranked lower than
98% of the 1310 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.05 vs. UNCFF: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
UNCFF' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 0.84 Max: 6.52
Current: 0.96
0.43
6.52
Price/Graham Number 0.61
UNCFF's Price/Graham Number is ranked lower than
54% of the 1192 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.82 vs. UNCFF: 0.61 )
Ranked among companies with meaningful Price/Graham Number only.
UNCFF' s 10-Year Price/Graham Number Range
Min: 0.59  Med: 0.83 Max: 1.86
Current: 0.61
0.59
1.86
Earnings Yield (Greenblatt) (%) 1.93
UNCFF's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1422 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.80 vs. UNCFF: 1.93 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UNCFF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.93  Med: 10.40 Max: 212.5
Current: 1.93
1.93
212.5

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 25,352 25,910 25,019
EPS($) 0.37 0.48 0.64
EPS without NRI($) 0.37 0.48 0.64

Business Description

Industry: Banks » Banks - Regional - Europe
Compare:LSE:0IKH, LSE:0H32, LSE:0O84, LSE:0GUX, LSE:0O55 » details
Traded in other countries:0Q54.UK, UCG.Italy, UCGR.Italy, CRIH.Germany, UCG.Poland, UCG.Switzerland, 0Q55.UK,
UniCredit SpA was incorporated on February 2, 2004. The Company is an European commercial bank with a network spanning 50 markets, with more than 9,000 branches. The Company operates in eight business segments: Commercial Banking Germany, Commercial Banking Austria, Poland, CEE Division, CIB, Asset Management, Asset Management, and Group Corporate Centre.
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