(UCG) UniCredit S.p.A. - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MI (Italy) | Market Cap: 107.067m EUR | Total Return: 32% in 12m
Avg Turnover: 341M
EPS Trend: 97.3%
Qual. Beats: 1
Rev. Trend: 93.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Confidence
UniCredit S.p.A. is a pan-European commercial bank headquartered in Milan, operating a multi-channel distribution model across Italy, Germany, Central Europe, and Eastern Europe. The institution provides a comprehensive suite of services including retail banking, wealth management, and corporate finance advisory for SMEs and multinational corporations.
The company functions as a Universal Bank, a business model that integrates traditional commercial lending with investment banking and asset management to diversify revenue streams. Within the European regional banking sector, UniCredit focuses on cross-border payment solutions and structured finance to support trade flows across its core geographic markets.
Consulting the latest financial metrics on ValueRay can help clarify how these regional operations impact overall valuation. Founded in 1870, the bank maintains a significant presence in the public sector and institutional investor segments through specialized debt and equity funding services.
- Net interest income sensitivity to ECB rate cuts impacts profit margins
- Strategic acquisitions and Commerzbank stake increase potential for cross-border consolidation
- Cost-to-income ratio improvements drive profitability through aggressive restructuring and digitalization
- Higher shareholder returns via share buybacks and dividends support valuation multiples
- Asset quality and non-performing loan levels dictate provisioning costs in Italy.
| Net Income: 11.5b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 2.05 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 > 3% & CFO 8.53b > Net Income 11.5b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (1.50b) vs 12m ago -2.82% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.31% > 50% (prev 3.17%; Δ 0.15% > 0%) |
| Interest Coverage Ratio: 1.11 > 6 (EBITDA TTM 15.4b / Interest Expense TTM 12.8b) |
As of May 24, 2026, the stock is trading at EUR 70.68 with a total of 5,845,996 shares traded.
Over the past week, the price has changed by +1.19%,
over one month by +9.79%,
over three months by +0.24% and
over the past year by +32.00%.
UniCredit S.p.A. has no consensus analysts rating.
P/E Trailing = 9.8159
P/E Forward = 9.8717
P/S = 4.2046
P/B = 1.5604
P/EG = 1.109
Revenue TTM = 26.0b EUR
EBIT TTM = 14.2b EUR
EBITDA TTM = 15.4b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 58.9b EUR (107b + (null Debt) - CCE 48.2b)
Interest Coverage Ratio = 1.11 (Ebit TTM 14.2b / Interest Expense TTM 12.8b)
EV/FCF = 8.11x (Enterprise Value 58.9b / FCF TTM 7.26b)
FCF Yield = 12.33% (FCF TTM 7.26b / Enterprise Value 58.9b)
FCF Margin = 27.95% (FCF TTM 7.26b / Revenue TTM 26.0b)
Net Margin = 44.35% (Net Income TTM 11.5b / Revenue TTM 26.0b)
Gross Margin = unknown ((Revenue TTM 26.0b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.08 (Enterprise Value 58.9b / Total Assets 784b)
Interest Expense / Debt = unknown (Interest Expense 12.8b / Debt none)
Taxrate = 23.92% (1.03b / 4.31b)
NOPAT = 10.8b (EBIT 14.2b * (1 - 23.92%))
Current Ratio = unknown (Total Current Assets 48.2b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 15.4b)
Debt / FCF = unknown (Net Debt none / FCF TTM 7.26b)
Total Stockholder Equity = 67.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.47% (Net Income 11.5b / Total Assets 784b)
RoE = 17.09% (Net Income TTM 11.5b / Total Stockholder Equity 67.4b)
RoCE = unknown (EBIT 14.2b / Capital Employed )
RoIC = unknown (NOPAT 10.8b, Invested Capital 0.0, EBIT 14.2b)
WACC = 7.96% (E(107b)/V(107b) * Re(7.96%) + (debt-free company))
Discount Rate = 7.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -89.89 | Cagr: -11.56%
[DCF] Terminal Value 75.44% ; FCFF base≈7.26b ; Y1≈7.29b ; Y5≈7.72b
[DCF] Fair Price = 80.15 (EV 120b - Net Debt 0.0 = Equity 120b / Shares 1.50b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 97.34 | EPS CAGR: 28.26% | SUE: 1.34 | # QB: 1
Revenue Correlation: 93.52 | Revenue CAGR: 6.12% | SUE: 0.35 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.90 | Chg30d=+8.28% | Revisions=+20% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.83 | Chg30d=+1.68% | Revisions=-20% | Analysts=3
EPS current Year (2026-12-31): EPS=7.35 | Chg30d=+1.92% | Revisions=+23% | GrowthEPS=+13.0% | GrowthRev=+6.4%
EPS next Year (2027-12-31): EPS=8.25 | Chg30d=+1.38% | Revisions=+14% | GrowthEPS=+12.2% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +23%