UCG Stock Analysis: UniCredit S.p.A. | MI
Banks - Regional | MI, Italy | Market Cap: 122.589m EUR | 12M Return: 50.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 431M
EPS Trend: 97.3%
Qual. Beats: 1
Rev. Trend: 93.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 11.5b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.91 > 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: 3.06% > 50% (prev 3.12%; Δ -0.06% > 0%) |
| Interest Coverage Ratio: 1.11 > 6 (EBIT TTM 14.2b / Interest Expense TTM 12.8b) |
As of July 08, 2026, the stock is trading at EUR 82.21 with a total of 4,779,004 shares traded. Over the past week, the price has changed by +5.05%, over one month by +14.69%, over three months by +34.98% and over the past year by +50.28%.
Current recommended Stop Loss: 79.70 (which is 3.1% or 1.4 ATR below the current price).
UniCredit S.p.A. has no consensus analysts rating.
P/E Trailing = 11.2545
P/E Forward = 11.2613
P/S = 4.8142
P/B = 1.7947
P/EG = 1.265
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 = 74.4b EUR (123b + (null Debt) - CCE 48.2b)
Interest Coverage Ratio = 1.11 (Ebit TTM 14.2b / Interest Expense TTM 12.8b)
EV/FCF = 10.25x (Enterprise Value 74.4b / FCF TTM 7.26b)
FCF Yield = 9.76% (FCF TTM 7.26b / Enterprise Value 74.4b)
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 74.4b / Total Assets 902b)
Interest Expense / Debt = unknown (Interest Expense 12.8b / Debt none)
Taxrate = 18.69% (2.66b / 14.2b)
NOPAT = 11.6b (EBIT 14.2b * (1 - 18.69%))
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 = 1.36% (Net Income 11.5b / Total Assets 902b)
RoE = 17.09% (Net Income TTM 11.5b / Total Stockholder Equity 67.4b)
RoCE = unknown (EBIT 14.2b / Capital Employed )
RoIC = unknown (NOPAT 11.6b, Invested Capital 0.0, EBIT 14.2b)
WACC = 8.34% (E(123b)/V(123b) * Re(8.34%) + (debt-free company))
Discount Rate = 8.34% (= 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=1.84 | Chg30d=-3.41% | Revisions=+25% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.86 | Chg30d=+1.40% | Revisions=+25% | Analysts=3
EPS current Year (2026-12-31): EPS=7.38 | Chg30d=+0.25% | Revisions=+38% | GrowthEPS=+13.4% | GrowthRev=+6.5%
EPS next Year (2027-12-31): EPS=8.31 | Chg30d=+0.71% | Revisions=+38% | GrowthEPS=+12.6% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +53% (up=10, down=2)