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UniCredit SpA UCG

Morningstar Rating
€37.14 +0.03 (0.07%)
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Company Report

UniCredit's Prospects Have Improved Dramatically

The transformation of UniCredit in two years from a perennial underperformer to one of the most profitable banks in Europe has been astounding. While the new management team has made good strategic decisions, the return to positive interest rates after a decade of zero or negative interest rates played a significant role in its transformation.

Price vs Fair Value

UCG is trading at a 22% premium.
Price
€37.12
Fair Value
€81.00
Uncertainty
High
1-Star Price
€57.43
5-Star Price
€23.30
Economic Moat
Lxm
Capital Allocation
Sbbcqclhq

Bulls Say, Bears Say

Bulls

Low-cost retail deposits comprise the bulk of UniCredit's funding, which should support above-average profitability through the cycle.

Bears

UniCredit's credit underwriting was poor in the past.

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News

Trading Information

Previous Close Price
€37.00
Day Range
€36.7337.37
52-Week Range
€20.4437.76
Bid/Ask
€36.90 / €37.30
Market Cap
€60.02 Bil
Volume/Avg
4.6 Mil / 9.0 Mil

Key Statistics

Price/Earnings (Normalized)
5.89
Price/Sales
2.75
Dividend Yield (Trailing)
4.86%
Dividend Yield (Forward)
4.86%
Total Yield
14.88%

Company Profile

UniCredit is one of the two largest Italian retail and commercial banks, but roughly a half of its operations is outside Italy. It has a strong presence in Germany, Austria, and Central and Eastern Europe. It generates most of its revenue from retail banking, but also maintains a sizable corporate and investment bank.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Large Core
Total Number of Employees
78,149

Competitors

Valuation

Metric
UCG
ACA
CBK
Price/Earnings (Normalized)
5.896.187.95
Price/Book Value
0.950.570.59
Price/Sales
2.751.771.50
Price/Cash Flow
3.781.673.58
Price/Earnings
UCG
ACA
CBK

Financial Strength

Metric
UCG
ACA
CBK
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
UCG
ACA
CBK
Return on Assets (Normalized)
1.20%0.31%0.50%
Return on Equity (Normalized)
15.74%8.22%9.08%
Return on Invested Capital (Normalized)
Return on Assets
UCG
ACA
CBK
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