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    Banks - Regional
UniCredit S.p.A.

UniCredit S.p.A.

UCG.MI
UniCredit S.p.A.IT flagItalian Stock Exchange
81.08
EUR
-1.13
- -
121.48BMarket Cap
UniCredit S.p.A.
UCG.MI
(Italian Stock Exchange)

Recent

price

81.08

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
105,529
113,685
96,779

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. (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.