ScoreWhy is UniCredit SpA ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.49%
- Poor long term growth as Net profit has grown by an annual rate of 35.78%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 17.99% signifying inadequate buffers against its risk based assets
2
Flat results in Dec 19
- CASH AND EQV(HY) Lowest at EUR 20,218 MM
- OPERATING PROFIT(Q) Lowest at EUR 901 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 12.01 %
3
With ROA of 0.84%, it has a Expensive valuation with a 1.55 Price to Book Value
- Over the past year, while the stock has generated a return of 10.39%, its profits have risen by 2.8% ; the PEG ratio of the company is 0.8
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is UniCredit SpA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
UniCredit SpA
10.39%
11.28
32.78%
Italy FTSE MIB
16.45%
0.84
19.51%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
57.72%
EBIT Growth (5y)
17.39%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.55
EV to EBIT
25.96
EV to EBITDA
23.93
EV to Capital Employed
1.12
EV to Sales
14.70
PEG Ratio
0.79
Dividend Yield
19.80%
ROCE (Latest)
4.32%
ROE (Latest)
18.03%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for UniCredit SpA
Depreciation
Highest at EUR 1,107 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (EUR MM)
Here's what is not working for UniCredit SpA
Operating Profit
Lowest at EUR 901 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (EUR MM)
Operating Profit Margin
Lowest at 12.01 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at EUR 463 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (EUR MM)
Pre-Tax Profit
Fallen at -77.58%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (EUR MM)
Net Profit
Lowest at EUR 139.9 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (EUR MM)
Net Profit
Fallen at -94.31%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (EUR MM)
EPS
Lowest at EUR 0.03
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (EUR)
Cash and Eqv
Lowest at EUR 20,218 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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