Full history for every metric is available with a Kvantra account
Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | €bn | 18.4 | 18.7 | 21.0 | 25.4 | 26.6 | 23.5 | 23.5 | - |
| Operating profit | €bn | 13.7 | 13.5 | ||||||
| Net profit | €bn | -2.8 | 2.1 | 6.5 | 9.5 | 9.7 | 11.0 | 11.1 | 11.1 |
| EPS reported | € | 6.89 | 7.04 | ||||||
| Operating cashflow per share | € | 6.87 | 0.00 | ||||||
| Capex per share | € | 0.45 | 0.00 | ||||||
| FCF per share | € | 6.42 | 0.00 | ||||||
| Free cash flow | €bn | 10.3 | 0.0 | ||||||
| Net debt | €bn | 75 | 116 | ||||||
| Book value equity | €bn | 67.7 | 70.4 | ||||||
| Book value per share | € | 42.33 | 46.25 | ||||||
| Number of shares | m | 1,599.71 | 1,522.68 | ||||||
| DPS (TTM paid) | € | 3.15 | 3.15 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.29 | 10.81 | ||||||
| P/B LTM | x | 1.68 | 1.68 | ||||||
| P/S LTM | x | 4.83 | 5.04 | ||||||
| P/FCF LTM | x | 11.04 | 0.00 | ||||||
| EV/EBITDA LTM | x | 20.25 | 17.35 | ||||||
| EV/Sales LTM | x | 11.80 | 9.98 | ||||||
| Earnings Yield LTM | % | 9.72% | 9.25% | ||||||
| FCF Yield | % | 9.05% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | 16.28% | 16.15% | ||||||
| ROIC | % | 2.71% | 1.18% | ||||||
| Operating margin | % | 58.29% | 57.52% | ||||||
| Gross margin | % | 97.18% | 95.37% | ||||||
| FCF/Sales | % | 43.78% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +19.20% | +6.99% | ||||||
| Sales Growth YoY | % | -11.72% | -8.52% | ||||||
| Net Income Growth YoY | % | +13.41% | +4.98% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +6.35% | -1.64% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 4.41% | 4.14% | ||||||
| Dividend Growth | % | +31.07% | +31.07% | ||||||
| Payout Ratio | % | 45.43% | 0.00% | ||||||
| FCF/Debt | x | 0.05 | 0.00 | ||||||
| Net Debt/EBITDA | x | 11.96 | 8.58 | ||||||
| EBIT/Net interest | x | 0.00 | 0.00 | ||||||
| Net debt/market cap | % | 66.35% | 97.86% | ||||||
| Net debt/Equity | x | 1.11 | 1.65 | ||||||
| Gross debt/equity | x | 2.98 | 2.30 | ||||||
ETFs that hold UniCredit
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares Core EURO STOXX 50 UCITS ETF (DE) | EXW1.DE | 9 | 2.82% |
| iShares VII PLC - iShares Core EURO STOXX 50 ETF EUR Acc | CSX5.L | 9 | 2.82% |
| Amundi Euro Stoxx Banks UCITS ETF Acc | BNKE.PA | 3 | 9.40% |
| Amundi Core EURO STOXX 50 UCITS ETF EUR Acc | C50.PA | 10 | 2.78% |
| Amundi EURO STOXX 50 II UCITS ETF Acc | MSE.PA | 10 | 2.79% |
| UBS EURO STOXX 50 ESG UCITS ETF EUR dis | UET5.DE | 10 | 2.85% |
| iShares MSCI EMU CTB Enhanced ESG UCITS ETF | EDM4.DE | 10 | 1.85% |
| iShares STOXX Europe 600 Banks UCITS ETF (DE) | EXV1.DE | 4 | 5.84% |
| Amundi S&P Eurozone Climate Paris Aligned UCITS ETF Acc | EPAB.PA | 9 | 2.89% |
| iShares MSCI Europe Financials ETF | EUFN | 6 | 3.65% |
Funds with UniCredit among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
UniCredit S.p.A. is a prominent commercial banking institution offering a comprehensive range of financial services across the retail, corporate, and private banking sectors. Its extensive product portfolio includes deposit accounts, lending products, various card services, and convenient transaction and payment solutions. The bank also provides investment funds, advisory services, treasury management, and insurance offerings, complemented by robust digital and mobile banking platforms. For businesses, UniCredit delivers specialized solutions covering payments, liquidity management, working capital optimization, hedging strategies, international trade facilitation, and treasury operations. Furthermore, it offers diverse funding options such as structured finance, project finance, commodity trade and export finance, alongside debt and equity funding. Clients can also benefit from structured investment opportunities and expert investment advisory. The company extends its expertise to corporate finance, capital structure consultation, and rating advisory, in addition to providing patient capital, financial sponsor solutions, and sustainable finance initiatives. Serving a broad client base encompassing individual consumers, corporate entities, public sector organizations, international businesses, and institutional investors, UniCredit maintains a significant presence across Italy, various other European nations, the Americas, Asia, and globally. Established in 1870 and headquartered in Milan, Italy, the bank was previously known as Unicredito Italiano S.p.A.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
UniCredit S.p.A. (UCG.MI)
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares Core EURO STOXX 50 UCITS ETF (DE) | EXW1.DE | 9 | 2.82% |
| iShares VII PLC - iShares Core EURO STOXX 50 ETF EUR Acc | CSX5.L | 9 | 2.82% |
| Amundi Euro Stoxx Banks UCITS ETF Acc | BNKE.PA | 3 | 9.40% |
| Amundi Core EURO STOXX 50 UCITS ETF EUR Acc | C50.PA | 10 | 2.78% |
| Amundi EURO STOXX 50 II UCITS ETF Acc | MSE.PA | 10 | 2.79% |
| UBS EURO STOXX 50 ESG UCITS ETF EUR dis | UET5.DE | 10 | 2.85% |
| iShares MSCI EMU CTB Enhanced ESG UCITS ETF | EDM4.DE | 10 | 1.85% |
| iShares STOXX Europe 600 Banks UCITS ETF (DE) | EXV1.DE | 4 | 5.84% |
| Amundi S&P Eurozone Climate Paris Aligned UCITS ETF Acc | EPAB.PA | 9 | 2.89% |
| iShares MSCI Europe Financials ETF | EUFN | 6 | 3.65% |
Funds with UniCredit among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
UniCredit S.p.A. is a prominent commercial banking institution offering a comprehensive range of financial services across the retail, corporate, and private banking sectors. Its extensive product portfolio includes deposit accounts, lending products, various card services, and convenient transaction and payment solutions. The bank also provides investment funds, advisory services, treasury management, and insurance offerings, complemented by robust digital and mobile banking platforms. For businesses, UniCredit delivers specialized solutions covering payments, liquidity management, working capital optimization, hedging strategies, international trade facilitation, and treasury operations. Furthermore, it offers diverse funding options such as structured finance, project finance, commodity trade and export finance, alongside debt and equity funding. Clients can also benefit from structured investment opportunities and expert investment advisory. The company extends its expertise to corporate finance, capital structure consultation, and rating advisory, in addition to providing patient capital, financial sponsor solutions, and sustainable finance initiatives. Serving a broad client base encompassing individual consumers, corporate entities, public sector organizations, international businesses, and institutional investors, UniCredit maintains a significant presence across Italy, various other European nations, the Americas, Asia, and globally. Established in 1870 and headquartered in Milan, Italy, the bank was previously known as Unicredito Italiano S.p.A.
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