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UniCredit S.p.A.

UniCredit S.p.A.

UCG.WA
UniCredit S.p.A.PL flagWarsaw Stock Exchange
314.00
PLN
-1.00
- -
459.39BMarket Cap
UniCredit S.p.A.
UCG.WA
(Warsaw Stock Exchange)

Recent

price

314.00

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
16.3
12.25
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
7.11
5.52
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
4.73
- -
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
3.26
- -
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
21.07
43.16
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
42.43
41.56
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
1,536
1,585
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
105,635
113,627
97,448

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
7.11
2026
2.18
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
3.05
2025
- -
- -
- -
- -
3.26
2026
- -
- -
- -
- -
- -
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Business
UniCredit S.p.A. (UCG.WA) operates as a pan-European universal bank headquartered in Milan, Italy, and founded in 1870, providing a comprehensive range of financial services including corporate and investment banking, commercial banking, wealth management, consumer credit, mortgages, life insurance, business loans, investment products, brokerage, asset management, funds, portfolio management, cash management, payments, acquiring, issuing, advisory, financing solutions, client risk management, group trade and correspondent banking across its core markets in Italy, Germany, Austria, Central and Eastern Europe encompassing Romania, Bulgaria, Czech Republic, Croatia, Russia, Hungary, Serbia, Poland, Bosnia and Herzegovina, Slovenia, Slovakia, Belgium, Luxembourg, and select international locations. The bank serves approximately 15 million clients worldwide through subsidiaries such as HypoVereinsbank in Germany, Bank Austria in Austria, UniCredit Bank entities in multiple CEE countries, Zagrebačka banka in Croatia, and recently integrated UniCredit Belgium (formerly Aion Bank) and UniCredit Poland following the 2025 acquisition of Aion Bank and Vodeno for €376 million to bolster digital banking capabilities; it also maintains operations via three centralized product factories for Corporate Solutions, Individual Solutions, and Group Payments Solutions under its UniCredit Unlocked operating model. Recent strategic developments include UniCredit Bank Austria's €1.945 billion risk-sharing transaction with PGGM on a corporate and SME loans portfolio, expansion of the onemarkets fund platform emphasizing client-centric investment solutions, completion of a 90.1% stake acquisition in Alpha Bank Romania from Alpha Services and Holdings, a 10-year partnership with Google Cloud announced in May 2025 to advance IT infrastructure and digital transformation, increases in stakes to 28% in Commerzbank by December 2024 amid ECB approvals for up to 29.9%, a €10.1 billion takeover bid for Banco BPM launched in November 2024 with anticipated conditional government approval under golden powers review, and a sponsorship deal with Scuderia Ferrari commencing in 2025.