UniCredit S.p.A.

UniCredit S.p.A.

UNCRY
UniCredit S.p.A.US flagOther OTC
46.71
USD
-0.19
- -
139.96BMarket Cap
UniCredit S.p.A.
UNCRY
(Other OTC)

Recent

price

46.71

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
24.57
23.5
11.99
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
Revenue per Share
1.2
-8.29
0.4
-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
Basic EPS, GAAP
-9.24
2.84
-5.56
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
- -
Free Cash Flow per Basic Share
0.8
0.89
0.12
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
- -
Dividend per Share
9.98
2.65
9.56
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
Book Value per Share
38.32
35.32
23.13
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
Tangible Book Value per Share
1,099
1,111
2,146
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
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
105,854
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
- -
- -
- -
- -
- -
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
  • 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

  • Germany rejects UniCredit's Commerzbank offer, agency says

  • Commerzbank CEO 'taken aback' by UniCredit claims

  • UniCredit Rejects Commerzbank's Claims of Unusual Tender Behaviour

  • UniCredit rejects Commerzbank claims that take-up is lower than seems

  • Russian subsidiary of Italy's UniCredit cuts back Moscow branches

  • UniCredit (UNCRY) Upgraded to Buy: What Does It Mean for the Stock?

  • UniCredit Says Commerzbank Stake Increased to 37.7% After Latest Acceptances