Stock · UCG.MI · Financial Services
Italy · Large Cap · Revenue 12 mo. €23.5B
Price as of 11/06/2026
UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe.
UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. The company offers retail, private, and wealth management solutions; and institutional investor solutions. It also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and sustainable finance solutions, as well as securities services. In addition, the company offers transactional and risk management, structured finance, debt funding, equity funding, project finance, commodity trade finance, and trade and export finance services; group trade and correspondent banking services; and payments solutions. It also owns and operates a digital platform that provides a one-stop-shop solution for the lending markets, offering a wide range of private debt transactions on both primary and secondary markets. The company serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. It has a strategic collaboration with Accenture plc and International Business Machines to establish a new technology operating model combining the resilience of mission-critical systems with the flexibility of cloud, data, and artificial intelligence. UniCredit S.p.A. was founded in 1870 and is headquartered in Milan, Italy.
Original text from the data provider
Summary
50.0 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €64.4B, market value €116.8B (P/B 1.8). At a 9% discount rate, the premium over book value only pays off with a lasting 16.3% return on equity.
Required return on equity per year
16.3%
no perpetual growth
Price to book 1.81×, above its usual range.
Middle half of 20 quarters: 0.47× to 1.24×, median 0.78×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
4 more unchanged: Revenue, 12 mo., EBIT margin, Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 16.28% | 12.46% | Rank 71 |
| Return on capital (Greenblatt) | 155.23% | 59.04% | Rank 68 |
| EBIT margin | 58.29% | 23.06% | Rank 93 |
| FCF margin | 43.78% | 19.82% | Rank 79 |
| Gross margin | 97.18% | 65.53% | Rank 83 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | −49.80% | 7.39% | Rank 2 |
| Earnings growth, 3 years per year | 30.61% | 15.20% | Rank 76 |
| Earnings growth, 5 years per yeardoes not count towards the rank | – | 15.17% | |
| Sustainable growth (ROE × retained earnings) | 3.06% | 1.25% | Rank 77 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 8.97% | 6.47% | Rank 83 |
| FCF yield | 8.80% | 7.16% | Rank 59 |
| EV/saleslower is better | 8.22 | 2.82 | Rank 18 |
| EV/EBITlower is better | 14.11 | 14.24 | Rank 51 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 11.34% | 7.80% | Rank 56 |
| Share price, 6 months | 9.42% | 8.71% | Rank 55 |
| Share price, 3 months | −3.87% | 0.45% | Rank 27 |
| Distance from 52-week high | −10.85% | −10.68% | Rank 50 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 3.65% | 1.23% | Rank 25 |
| Change in share countlower is better | −5.52% | −0.60% | Rank 91 |
| Dividend streak in years | 4 | 5 | Rank 48 |
| Price reaction to results, market-adjusted | −3.57% | 0.00% | Rank 9 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 7.78% | 9.21% | Rank 43 |
| Net debt/EBITDAlower is better | 5.57 | 0.12 | Rank 19 |
| Debt to equitylower is better | 2.98 | 0.90 | Rank 19 |
| Volatility, 1 yearlower is better | 32.42% | 25.95% | Rank 26 |
Ten years in figures
| Year | Revenue, €B | Net income, €B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 25.2 | −11.8 | −30.0% | 1.68B |
| 2017 | 24.0 | 5.5 | 9.2% | 1.96B |
| 2018 | 24.8 | 4.1 | 7.3% | 2.23B |
| 2019 | 24.6 | 3.4 | 5.5% | 2.24B |
| 2020 | 22.1 | −2.8 | −4.7% | 2.23B |
| 2021 | 22.3 | 2.1 | 3.4% | 2.24B |
| 2022 | 26.8 | 6.5 | 10.2% | 2.09B |
| 2023 | 44.9 | 9.5 | 14.8% | 1.69B |
| 2024 | 46.7 | 9.7 | 15.6% | 1.69B |
| 2025 | 23.5 | 11.0 | 16.3% | 1.60B |
5 of 7 StockScorer Score rules met · How the score is built
UniCredit S.p.A. mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for UniCredit S.p.A. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
5 of 7 rules met
8 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for UniCredit S.p.A.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 11.1 | 15.2 |
| P/B ratio | 1.8 | 1.8 |
| Return on equity (ROE) | 16.3% | 12.5% |
| Equity ratio | 7.8% | 9.2% |
| Debt-to-equity (D/E) | 2.98 | 0.90 |
| Dividend yield | 4.1% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| UCG.MI | UniCredit S.p.A.this page | |
| ISP.MI | Intesa Sanpaolo SpA | Low5.5 |
| BMPS.MI | Banca Monte dei Paschi di Siena SpA | locked |
| HDFCBANK.NS | HDFC Bank Limited | locked |
| 8411.T | Mizuho Financial Group Inc | locked |
| ICICIBANK.NS | ICICI Bank Limited | locked |
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