UniCredit S.p.A. Website

UniCredit S.p.A.

BIT-UCG

Basic

  • Market Cap

    €59.17B

  • EV

  • Shares Out

    1,594.21M

  • Revenue

    €23.41B

  • Employees

    70,752

Margins

  • Gross

  • EBITDA

  • Operating

  • Pre-Tax

    52.62%

  • Net

    42.72%

  • FCF

    -181.72%

Returns (5Yr Avg)

  • ROA

    0.41%

  • ROTA

    5.95%

  • ROE

    5.74%

  • ROCE

  • ROIC

    0.71%

Valuation (TTM)

  • P/E

  • P/B

  • EV/Sales

  • EV/EBITDA

  • P/FCF

  • EV/Gross Profit

Valuation (NTM)

  • Price Target

    €43.24

  • P/E

  • PEG

  • EV/Sales

  • EV/EBITDA

  • P/FCF

Financial Health

  • Cash

  • Net Debt

    -€2,043M

  • Debt/Equity

  • EBIT/Interest

Growth (CAGR)

  • Rev 3Yr

    19.53%

  • Rev 5Yr

    8.1%

  • Rev 10Yr

  • Dil EPS 3Yr

    56.92%

  • Dil EPS 5Yr

    22.88%

  • Dil EPS 10Yr

    -13.76%

  • Rev Fwd 2Yr

    -1.91%

  • EBITDA Fwd 2Yr

    4.76%

  • EPS Fwd 2Yr

    15.92%

  • EPS LT Growth Est

    14%

Dividends

  • Yield

  • Payout

    32.73%

  • DPS

    €1.8

  • DPS Growth 3Yr

    146.75%

  • DPS Growth 5Yr

    46.19%

  • DPS Growth 10Yr

    6.07%

  • DPS Growth Fwd 2Yr

    18.07%

Select a metric from the list below to chart it

Dec '14

Dec '15

Dec '16

Dec '17

Dec '18

Dec '19

Dec '20

Dec '21

Dec '22

Dec '23

LTM

Dec '24 (E)

Dec '25 (E)

Dec '26 (E)

Interest Income On Loans

14,793

13,182

12,703

16,339

33,919

Interest Income On Investments

295

208

351

437

305

Interest Income, Total

15,088

13,390

13,054

16,776

34,224

Interest On Deposits

4,521

3,685

3,612

5,715

19,571

Interest Expense, Total

4,521

3,685

3,612

5,715

19,571

Net Interest Income

10,567

9,705

9,442

11,061

14,653

14,917

Income From Trading Activities

1,298

678

1,472

859

2,264

2,359

Gain (Loss) on Sale of Loans

138

80

53

133

199

199

Gain (Loss) on Sale of Invest. & Securities

224

-456

-1,797

996

112

130

Total Other Non Interest Income

6,340

5,883

6,747

7,051

6,390

6,473

Non Interest Income, Total

8,000

6,185

6,475

9,039

8,965

9,161

Revenues Before Provison For Loan Losses

18,567

15,890

15,917

20,100

23,618

24,078

Provision For Loan Losses

3,478

4,640

1,630

2,031

661

666

Total Revenues

15,089

11,250

14,287

18,069

22,957

23,412

Total Revenues % Chg.

-6.3%

-25.4%

27%

26.5%

27.1%

16%

Salaries And Other Employee Benefits

6,081

5,915

5,953

5,910

5,904

5,911

Amort. of Goodwill & Intang. Assets

482

453

485

514

429

429

Occupancy Expense

1,171

967

770

638

683

667

Selling General & Admin Expenses, Total

3,517

3,531

3,686

3,520

3,405

3,417

Total Other Non Interest Expense

51

395

-61

-122

-426

-843

Non Interest Expense, Total

11,302

11,261

10,833

10,460

9,995

9,581

EBT, Excl. Unusual Items

3,787

-11

3,454

7,609

12,962

13,831

Restructuring Charges

-665

-1,465

-1,336

-324

-1,059

-1,059

Total Merger & Related Restructuring Charges

-1

Impairment of Goodwill

-886

Asset Writedown

-360

-51

-108

-163

-448

-448

Legal Settlements

270

-98

-281

-24

-70

-70

Other Unusual Items

-11

6

50

191

66

66

EBT, Incl. Unusual Items

3,021

-2,505

1,779

7,289

11,451

12,319

Income Tax Expense

862

322

-343

819

1,917

2,289

Earnings From Continuing Operations

2,159

-2,827

2,122

6,470

9,534

10,030

Earnings Of Discontinued Operations

1,332

49

4

3

Minority Interest

-118

-7

-30

-15

-27

-29

Net Income

3,373

-2,785

2,096

6,458

9,507

10,001

Preferred Dividend and Other Adjustments

124

122

30

74

175

175

Net Income to Common Incl Extra Items

3,249

-2,907

2,066

6,384

9,332

9,826

Net Income to Common Excl. Extra Items

1,917

-2,956

2,062

6,381

9,332

9,826

Total Shares Outstanding

2,223.7

2,237.3

2,211.1

1,935.3

1,712.4

1,682.9

Weighted Avg. Shares Outstanding

2,222.9

2,226.7

2,221.7

2,069.5

1,827.9

1,783.7

Weighted Avg. Shares Outstanding Dil

2,236.8

2,226.7

2,236

2,088.5

1,849.8

1,783.7

EPS

1.5

-1.3

0.9

3.1

5.1

5.5

EPS Diluted

1.5

-1.3

0.9

3.1

5

5.5

Effective Tax Rate

28.5%

-12.9%

-19.3%

11.2%

16.7%

18.6%