UCG Stock Analysis: UniCredit S.p.A. | MI
Banks - Regional | MI, Italy | Market Cap: 126.186m EUR | 12M Return: 35% | IT0005239360 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 328M
EPS Trend: 95.7%
Qual. Beats: 0
Rev. Trend: 20.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
UniCredit S.p.A. is a major European commercial bank headquartered in Milan, Italy, founded in 1870. The bank operates across Italy, Germany, Central Europe, and Eastern Europe, serving retail clients, SMEs, large corporates, multinationals, financial institutions, public sector entities, and wealth/family office clients through its regional banks classification under the Financials sector.
The companys business model spans the full spectrum of retail and wholesale banking, including retail and private banking, wealth management, corporate and investment banking services such as M&A advisory, capital structure advisory, sustainable finance, securities services, and structured finance. It also provides trade and export finance, project and commodity finance, correspondent banking, and payments solutions, reflecting the diversified revenue model typical of large universal banks that combine deposit-taking with fee-based advisory and transaction banking services.
- Net interest margin expansion lifts Italian and German profitability
- Russia exposure wind-down removes earnings drag
- Share buybacks accelerate on strong capital generation
| Net Income: 11.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 2.07 > 1.0 |
| NWC/Revenue: -2.03k% < 20% (prev -2.23k%; Δ 199.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 11.0b > Net Income 11.1b |
| Net Debt (116b) to EBITDA (14.8b): 7.84 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.52b) vs 12m ago -1.64% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 2.62% > 50% (prev 2.99%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: 1.05 > 6 (EBIT TTM 13.5b / Interest Expense TTM 12.8b) |
| A: -0.51 (Total Current Assets 45.9b - Total Current Liabilities 523b) / Total Assets 932b |
| B: 0.01 (Retained Earnings 6.12b / Total Assets 932b) |
| C: 0.02 (EBIT TTM 13.5b / Avg Total Assets 896b) |
| D: 0.08 (Book Value of Equity 70.4b / Total Liabilities 861b) |
| Altman-Z'' = -3.15 = D |
As of September 22, 2026, the stock is trading at EUR 83.72 with a total of 3,963,234 shares traded. Over the past week, the price has changed by -0.89%, over one month by +0.83%, over three months by +4.60% and over the past year by +34.99%.
Current recommended Stop Loss: 81.30 (which is 2.9% or 1.4 ATR below the current price).
UniCredit S.p.A. has no consensus analysts rating.
P/E Trailing = 11.8527
P/E Forward = 9.9404
P/S = 5.0793
P/B = 1.7755
P/EG = 0.8355
Revenue TTM = 23.5b EUR
EBIT TTM = 13.5b EUR
EBITDA TTM = 14.8b EUR
Long Term Debt = unknown (none)
Short Term Debt = 62.6b EUR (from shortTermDebt, last fiscal year)
Debt = 162b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 116b EUR (calculated: Debt 162b - CCE 45.9b)
Enterprise Value = 242b EUR (126b + Debt 162b - CCE 45.9b)
Interest Coverage Ratio = 1.05 (Ebit TTM 13.5b / Interest Expense TTM 12.8b)
EV/FCF = 23.58x (Enterprise Value 242b / FCF TTM 10.3b)
FCF Yield = 4.24% (FCF TTM 10.3b / Enterprise Value 242b)
FCF Margin = 43.72% (FCF TTM 10.3b / Revenue TTM 23.5b)
Net Margin = 47.35% (Net Income TTM 11.1b / Revenue TTM 23.5b)
Gross Margin = unknown ((Revenue TTM 23.5b - Cost of Revenue TTM 1.09b) / Revenue TTM)
Tobins Q-Ratio = 0.26 (Enterprise Value 242b / Total Assets 932b)
Interest Expense / Debt = 7.92% (Interest Expense 12.8b / Debt 162b)
Taxrate = 18.83% (2.54b / 13.5b)
NOPAT = 11.0b (EBIT 13.5b * (1 - 18.83%))
Current Ratio = 0.09 (Total Current Assets 45.9b / Total Current Liabilities 523b)
Debt / Equity = 2.30 (Debt 162b / totalStockholderEquity, last quarter 70.4b)
Debt / EBITDA = 7.84 (Net Debt 116b / EBITDA 14.8b)
Debt / FCF = 11.29 (Net Debt 116b / FCF TTM 10.3b)
Total Stockholder Equity = 68.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.24% (Net Income 11.1b / Total Assets 932b)
RoE = 16.15% (Net Income TTM 11.1b / Total Stockholder Equity 68.9b)
RoCE = 3.30% (EBIT 13.5b / Capital Employed (Total Assets 932b - Current Liab 523b))
RoIC = 2.33% (NOPAT 11.0b / Invested Capital 470b)
WACC = 7.31% (E(126b)/V(288b) * Re(8.44%) + D(162b)/V(288b) * Rd(7.92%) * (1-Tc(0.19)))
Discount Rate = 8.44% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -32.03 | Cagr: -4.35%
[DCF] Terminal Value 75.44% ; FCFF base≈10.3b ; Y1≈10.3b ; Y5≈10.9b
[DCF] Fair Price = 35.78 (EV 170b - Net Debt 116b = Equity 54.0b / Shares 1.51b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 95.71 | EPS CAGR: 22.89% | SUE: 0.05 | # QB: 0
Revenue Correlation: 20.40 | Revenue CAGR: 0.76% | SUE: -0.01 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.90 | Chg30d=+1.84% | Revisions=+40% | Analysts=3
EPS current Year (2026-12-31): EPS=7.34 | Chg30d=-0.13% | Revisions=-22% | GrowthEPS=+12.8% | GrowthRev=+7.6%
EPS next Year (2027-12-31): EPS=8.38 | Chg30d=+0.71% | Revisions=-17% | GrowthEPS=+14.2% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: -7% (up=5, down=6)