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.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.52
Equity-to-Asset	0.08
Debt-to-Equity	2.02
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.02	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	18.6
	3-Year Book Growth Rate	12.1
	Future 3-5Y EPS without NRI Growth Rate Estimate	3.49
	Future 3-5Y Total Revenue Growth Rate Estimate	-2.42

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	69.14
	9-Day RSI	62.62
	14-Day RSI	58.86
	6-1 Month Momentum %	9.61
	12-1 Month Momentum %	67.98

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.81
	Dividend Payout Ratio	0.28
	Forward Dividend Yield %	4.81
	5-Year Yield-on-Cost %	4.82
	3-Year Average Share Buyback Ratio	8.5
	Shareholder Yield %	-15.82

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	42.36
	FCF Margin %	-172.73
	ROE %	16.4
	ROA %	1.28
	Years of Profitability over Past 10-Year	8

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.68
	Forward PE Ratio	6.42
	PE Ratio without NRI	5.73
	Shiller PE Ratio	42.38
	PEG Ratio	0.76
	PS Ratio	2.59
	PB Ratio	0.97
	Price-to-Tangible-Book	1.02
	EV-to-Forward-EBIT	10.19
	EV-to-Revenue	4.9
	EV-to-Forward-Revenue	5.16
	EV-to-FCF	-2.82
	Price-to-Projected-FCF	0.83
	Price-to-Median-PS-Value	2.02
	Price-to-Peter-Lynch-Fair-Value	0.71
	Price-to-Graham-Number	0.51
	FCF Yield %	-71.26
	Forward Rate of Return (Yacktman) %	4.06

GF Value: €26.47

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