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UniCredit S.p.A.

UniCredit S.p.A.

CRIN.DE
UniCredit S.p.A.DE flagDeutsche Börse
82.99
EUR
+1.79
- -
124.34BMarket Cap
UniCredit S.p.A.
CRIN.DE
(Deutsche Börse)

Recent

price

82.99

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
49.15
47
23.99
21.76
20.5
16.93
16.31
10.05
9.23
9.02
8.28
8.41
10.17
13.87
16.39
15.81
12.21
Revenue per Share
2.41
-16.57
0.81
-12.29
1.75
1.46
-9.82
2.81
1.85
1.52
-1.25
0.94
3.12
5.2
5.99
6.89
5.5
Basic EPS, GAAP
-18.48
5.68
-11.12
2.26
-5.96
0.54
2.63
15.96
-14.66
-8.27
37.79
-3.94
4.39
-23.13
-5.44
4.58
- -
Free Cash Flow per Basic Share
1.59
1.77
0.24
0.82
0.53
0.72
0.65
0.25
0.59
0.59
0.26
0.35
0.82
1.33
3.05
3.16
- -
Dividend per Share
19.97
5.3
19.12
5.01
19.13
18.87
7.55
13.53
11.29
10.96
8.21
10.46
13.37
16.84
19.17
20.43
43.03
Book Value per Share
76.63
70.65
46.26
39.36
41.26
42.83
33.32
29.19
24.26
26.54
25.97
27.19
29.54
33.9
37.38
41.14
41.44
Tangible Book Value per Share
550
555
1,073
1,137
1,146
1,164
1,200
1,947
2,219
2,223
2,227
2,222
2,069
1,828
1,622
1,584
1,590
Basic Weighted Avg Shares
27,009
26,109
25,741
24,732
23,486
19,700
19,570
19,577
20,492
20,059
18,428
18,674
21,037
25,360
26,579
25,039
19,414
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,672
2,440
1,389
3,539
1,190
1,046
1,542
1,168
635
2,167
1,420
1,490
1,303
1,625
1,306
1,280
911
Depreciation Expense
1,323
-9,206
865
-13,965
2,008
1,694
-11,790
5,473
4,107
3,373
-2,785
2,096
6,458
9,507
9,719
10,915
8,745
Net Income, GAAP
24.38
- -
- -
- -
31.72
- -
- -
16.1
- -
28.53
- -
- -
11.24
16.74
24
19.09
35.68
Effective Tax Rate (%)
4.9
-35.26
3.36
-56.46
8.55
8.6
-60.24
27.96
20.04
16.82
-15.11
11.22
30.7
37.49
36.57
43.59
45.04
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
214,568
197,722
201,277
191,238
176,185
167,762
154,880
137,502
109,269
126,150
134,084
125,915
115,462
122,522
122,724
129,938
102,133
LT Debt
67,703
54,798
65,248
50,056
52,836
53,486
43,188
60,225
57,350
61,785
59,942
62,650
63,497
64,243
62,841
68,109
68,807
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
12.56
-132.33
7.37
-106.59
14.55
7.72
-76.04
30.91
15.98
13.65
-13.06
10.1
25.37
32.52
31.42
34.4
13.07
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
1,503
1,498
Market Capitalization
105,447
113,846
96,763

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
53,293
48,180
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.34%
2.65%
8.38%
Free Cash Flow
-65.82%
-228.13%
-182.34%
Net Income, GAAP
-107.31%
18.92%
12.31%
Sales/Revenue/Turnover
2.74%
6.71%
-5.79%
Total Cash Common Dividend
37.18%
60.19%
1.15%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,373
6,308
6,130
6,016
26,579
2025
6,554
6,993
- -
5,348
25,039
2026
7,073
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.52
1.64
1.6
1.03
5.99
2025
1.79
2.16
- -
1.2
6.89
2026
2.18
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
3.05
2025
- -
- -
- -
- -
3.16
2026
- -
- -
- -
- -
- -
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Business
UniCredit S.p.A. (CRIN.DE) operates as a pan-European commercial bank offering a comprehensive range of financial services including commercial banking, corporate and investment banking, wealth management, asset management, consumer credit, mortgages, loans, deposits, payments, insurance products, and financial advisory services delivered through three global product factories: Corporate, Individual, and Payment Solutions; it serves approximately 15 million clients worldwide across its core markets in Italy, Germany, Austria, and Central and Eastern Europe encompassing countries such as Romania, Bulgaria, Czech Republic, Croatia, Russia, Hungary, Serbia, Bosnia and Herzegovina, Slovenia, Slovakia, Poland, and others with limited presence in Belgium, Luxembourg, the United Kingdom, and the United States. The bank maintains a network organized into regions including Commercial Banking Italy, Central and Eastern Europe, Germany, Austria, and Fineco, supported by digital platforms and a commitment to ESG principles. Headquartered in Milan, Italy, at Piazza Gae Aulenti 3 - Tower A, UniCredit traces its origins to 1870 with the founding of Banca di Genova, later evolving through mergers including Credito Italiano and subsequent integrations. In recent developments, UniCredit completed the acquisition of Aion Bank and Vodeno in March 2025, enhancing its digital banking capabilities with a cloud-based platform to support embedded finance, Banking-as-a-Service, re-entry into Poland, and expansion into Western European markets targeting affluent clients and SMEs with planned investments up to €200 million aiming for 2.5 million new clients and ROAC above 25% within three years; it also finalized deals for CNP Unicredit Vita S.p.A. and Unicredit Allianz Vita S.p.A. in September 2024 while pursuing its UniCredit Unlocked strategic plan focused on acceleration, quality growth, technology modernization via Google collaboration, and 2027 ambitions of net profit exceeding €11 billion at over 20% RoTE.