UniCredit S.p.A.

UniCredit S.p.A.

UNCRY
UniCredit S.p.A.US flagOther OTC
47.04
USD
+0.99
- -
140.96BMarket Cap
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
10.88
10.25
8.47
8.15
5.03
4.62
4.51
4.14
4.2
5.08
6.94
8.2
7.9
6.1
Basic EPS, GAAP
-6.14
0.88
0.73
-4.91
1.41
0.93
0.76
-0.63
0.47
1.56
2.6
3
3.44
2.75
Free Cash Flow per Basic Share
1.13
-2.98
0.27
1.31
7.98
-7.33
-4.14
18.9
-1.97
2.2
-11.57
-2.72
2.29
- -
Dividend per Share
0.41
0.27
0.36
0.33
0.12
0.29
0.29
0.13
0.17
0.41
0.67
1.53
1.58
- -
Book Value per Share
2.5
9.56
9.43
3.77
6.77
5.64
5.48
4.1
5.23
6.69
8.42
9.59
10.22
21.51
Tangible Book Value per Share
19.68
20.63
21.41
16.66
14.59
12.13
13.27
12.98
13.6
14.77
16.95
18.69
20.57
20.72
Basic Weighted Avg Shares
2,273
2,291
2,327
2,400
3,895
4,439
4,446
4,453
4,443
4,139
3,656
3,243
3,168
3,180
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
19,414
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
911
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
8,745
Effective Tax Rate (%)
- -
31.72
- -
- -
16.1
- -
28.53
- -
- -
11.24
16.74
24
19.09
14.89
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
45.04
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
102,133
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
68,807
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
-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

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
105,854
113,219
98,908

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
0.76
0.82
0.8
0.51
3
2025
0.9
1.08
- -
0.6
3.44
2026
1.09
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.53
2025
- -
- -
- -
- -
1.58
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Andrea Orcel
Full Time Employees
75,265
Sector
Financial Services
Industry
Banks - Regional
Address
Tower A Milan MI Italy 20154
IPO Date
Nov 21, 2018
Business
UniCredit S.p.A. is a leading pan-European commercial bank established in 1998 and headquartered in Milan, Italy. The bank provides a comprehensive range of financial services including retail banking, private banking, corporate and investment banking, asset management, and wealth management. Its product offerings encompass current and savings accounts, loans, mortgages, payment services, insurance products, asset management solutions, and advisory services. UniCredit operates primarily in Italy, Germany, Austria, and Central and Eastern Europe, serving individual clients, small and medium-sized enterprises (SMEs), and large corporations. UniCredit has recently intensified its strategic focus on digital transformation and client-centric services, backed by key initiatives such as the acquisition of Aion Bank and Vodeno to enhance its embedded finance and Banking-as-a-Service offerings, targeting marketplaces, e-commerce, fintechs, individuals, and SMEs. It has formed a strategic collaboration with Google to modernize technology infrastructure through cloud migration and AI acceleration, bolstering its innovation capabilities. The bank continues to implement its "UniCredit Unlocked" strategy to accelerate growth, operational excellence, and capital efficiency. Additional notable developments include the internalization of life insurance in Italy, targeted investments in expanding geographic and client mix, and progressive achievement of ESG lending targets. UniCredit’s recent financial results demonstrate solid underlying profitability with net profit guidance around €10.5 billion for 2025, reflecting successful transformation efforts and expanded recurring earnings. The bank’s corporate governance structure was updated in 2024 to a one-tier board system to streamline decision-making and oversight. UniCredit is committed to maintaining its leadership in the European banking sector through continued innovation, strategic partnerships, and expansion in its core markets.

Company News

APIChatGPT
  • German government not stopping UniCredit's takeover of Commerzbank, Merz says

  • 'Potential for chaos', German union warns on Commerzbank and UniCredit

  • Commerzbank workers say we don't want or need UniCredit

  • UniCredit closes in on Commerzbank as battle enters endgame

  • Commerzbank calls UniCredit offer unattractive

  • UniCredit Says It Controls Nearly Half of Commerzbank Following Takeover Push

  • UniCredit secures 17.6% of Commerzbank

  • Commerzbank asks investors to reject UniCredit bid

  • Commerzbank institutional investors tender just over 1% of shares in UniCredit offer, German bank says

  • UniCredit CEO says ECB more likely to declare control of Commerzbank given take-up

  • UniCredit dropped appeal against Italy's decision on Banco BPM bid, document shows

  • UniCredit plans unviable while Berlin retains stake, government sources say

  • UniCredit to Lift Commerzbank Stake to 42.5% After Initial Offer Period

  • UniCredit says take-up in Commerzbank takeover bid at 12.51% of capital

  • Exclusive: UniCredit turned to CEO Orcel's brother to broker Russia sale

  • UniCredit CEO says many Germans are unhappy with their banking services

  • UniCredit seeking to double stake in Generali through Delfin, daily Il Sole 24 Ore reports

  • UniCredit's takeover offer for Commerzbank concludes on Tuesday

  • Germany Rejects UniCredit's Commerzbank Bid, Calling Out ‘Aggressive' Approach

  • Shares in Commerzbank slip below price of UniCredit's bid