UniCredit S.p.A.

UniCredit S.p.A.

71.79
EUR
-3.14
(-4.19%)
116.90BMarket Cap
Nov 08Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
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
- -
Basic EPS, GAAP
-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
- -
Free Cash Flow per Basic Share
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
- -
Dividend per Share
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
- -
Book Value per Share
40.43
42.2
42.05
31.9
26.65
25.28
27.5
26.6
28.12
32.73
37.42
40.5
45.05
47
Tangible Book Value per Share
35.82
37.44
38.98
29.31
25.13
23.71
26.25
25.65
27.11
31.51
36.09
39.05
43.09
45.06
Basic Weighted Avg Shares
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
1,578
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
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
- -
Net Income, GAAP
-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
- -
Effective Tax Rate (%)
- -
31.72
- -
- -
16.1
- -
28.53
- -
- -
11.24
16.74
24
19.09
- -
Profit Margin (%)
-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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
142,518
Total Equity
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
70,816
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
0.69
- -
- -
2.61
- -
1.84
- -
- -
3.51
5.18
5.19
5.66
- -
Return on Common Equity (%)
-25.79
4.18
3.41
-26.37
11.09
7.1
5.73
-4.61
3.44
10.29
14.92
15.36
16.77
- -

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,503
1,498
1,498
Market Capitalization
103,938
91,350
116,896

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
53,293
48,180
57,888
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

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

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,373
6,308
6,130
6,016
26,579
2025
6,554
6,992
- -
5,348
25,039
2026
7,073
6,541
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

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
1.97
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
3.05
2025
- -
- -
- -
- -
3.16
2026
- -
- -
- -
- -
- -

Company Description

CEO
Andrea Orcel
Full Time Employees
73,091
Sector
Finance
Industry
Major banks
Address
Tower A Milan MI Italy 20154
IPO Date
Nov 1, 2005
Business
UniCredit S.p.A. (UCG.MI) operates as a pan-European commercial bank providing a comprehensive range of financial services to individuals, small and medium-sized enterprises, corporates, and institutional clients; these include retail and corporate banking, investment banking, wealth management, leasing, factoring, and asset management through platforms such as UniCredit Bank, HypoVereinsbank, and Pekao S.A. The company offers products like current accounts, loans, mortgages, credit cards, payment services, trade finance, capital markets solutions, advisory services, and insurance products distributed via bancassurance channels. It serves target markets across consumer, SME, mid-corporate, and large corporate segments with a focus on cross-border banking capabilities. Founded in 1998 through the merger of Credito Italiano and Unicredito, UniCredit S.p.A. maintains its headquarters in Milan, Italy, and conducts operations in over 13 core European markets including Italy, Germany, Austria, Russia, and Central and Eastern Europe. Subsidiaries and affiliates support its multinational footprint, with significant presence through entities like UniCredit Bank AG in Germany and Banco de Crédito Social Cooperativo in other regions. In recent developments, UniCredit S.p.A. has pursued strategic expansions, including a notable 2024 push to increase its stake in Commerzbank AG amid ongoing takeover discussions, alongside divestitures such as the 2023 sale of its Russian operations to reduce exposure; the bank also launched enhanced digital banking platforms and sustainability-linked financing products in 2025 to align with EU green regulations.

Company News

  • Italy's UniCredit wins ECB approval to control Germany's Commerzbank

  • UniCredit S.p.A. Unsponsored ADR (OTCMKTS:UNCRY) Stock Short Interest Climbs 119.2%

  • EU antitrust regulators to decide on UniCredit's Commerzbank deal by November 16

  • Putin grants approval for UniCredit Russia unit's reorganisation and sale

  • Berlin expects UniCredit commitments on Commerzbank, sources say

  • UniCredit's Andrea Orcel moves to seize control of Commerzbank within months, FT reports

  • Shares in Banco BPM rise on report of joint Credit Agricole-UniCredit interest

  • Credit Agricole, UniCredit have floated potential joint move on Banco BPM, sources

  • Commerzbank could buy UniCredit's HVB as part of bank tie-up, CEO says

  • Our Top 10 High Growth Dividend Stocks - September 2026

  • UniCredit: Stronger Earnings Quality And Commerzbank Optionality Support The Buy Case

  • UniCredit S.p.A. Unsponsored ADR (UNCRY) is a Great Momentum Stock: Should You Buy?

  • UniCredit wants Commerzbank CEO and chair to leave their roles

  • German finance minister lays out demands to UniCredit CEO on possible Commerzbank takeover

  • Germany pushes for Commerzbank stock listing as UniCredit aims for deal, sources say

  • UniCredit gets ECB approval to use Danish Compromise on insurance holdings

  • Germany warming to UniCredit on Commerzbank seen bolstering way for European bank deals

  • EXCLUSIVE German finance minister invites UniCredit's CEO to meeting, government sources say

  • Commerzbank chair calls for review of German takeover rules after UniCredit bid

  • Our Top 10 High Growth Dividend Stocks - August 2026