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UniCredit SpA stock price, quote, forecast and news

UCG.MI
IT0005239360
A2DJV6

Price

36.91
Today +/-
-0.29
Today %
-0.78 %
P

UniCredit SpA stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the UniCredit SpA stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the UniCredit SpA stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the UniCredit SpA stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze UniCredit SpA's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

UniCredit SpA Stock Price History

DateUniCredit SpA Price
9/13/202436.91 undefined
9/12/202437.20 undefined
9/11/202436.16 undefined
9/10/202436.08 undefined
9/9/202436.61 undefined
9/6/202436.23 undefined
9/5/202436.83 undefined
9/4/202436.76 undefined
9/3/202436.77 undefined
9/2/202437.52 undefined
8/30/202437.38 undefined
8/29/202436.91 undefined
8/28/202436.55 undefined
8/27/202436.49 undefined
8/26/202436.42 undefined
8/23/202436.55 undefined
8/22/202436.15 undefined
8/21/202435.78 undefined
8/20/202435.85 undefined
8/19/202436.67 undefined

UniCredit SpA Revenue, EBIT, Net Income

  • 3 years

  • 5 years

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  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into UniCredit SpA, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by UniCredit SpA from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects UniCredit SpA’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of UniCredit SpA. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into UniCredit SpA’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing UniCredit SpA’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on UniCredit SpA’s growth potential.

UniCredit SpA Revenue, EBIT and net profit per share

DateUniCredit SpA RevenueUniCredit SpA Net Income
2028e23.33 B undefined6.63 B undefined
2027e22.56 B undefined6.34 B undefined
2026e23.69 B undefined10.25 B undefined
2025e23.6 B undefined9.48 B undefined
2024e24.19 B undefined9.08 B undefined
202348.21 B undefined9.5 B undefined
202234.58 B undefined6.38 B undefined
20210 undefined1.51 B undefined
20200 undefined-2.91 B undefined
20190 undefined3.25 B undefined
20180 undefined4.01 B undefined
20170 undefined5.44 B undefined
20160 undefined-11.92 B undefined
20150 undefined1.59 B undefined
20140 undefined2.01 B undefined
20130 undefined-13.97 B undefined
20120 undefined865 M undefined
20110 undefined-9.21 B undefined
20100 undefined1.32 B undefined
20090 undefined1.7 B undefined
20080 undefined4.01 B undefined
20070 undefined5.9 B undefined
20060 undefined5.45 B undefined
20050 undefined2.47 B undefined
20040 undefined2.07 B undefined

UniCredit SpA Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (B)DOCUMENTS
199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e2027e2028e
00000000000000000000000000034.5848.2124.1923.623.6922.5623.33
----------------------------39.41-49.82-2.460.40-4.803.43
---------------------------52.25------
00000000000000000000000000018.07000000
0000000000000000000000000008014.2613.5713.5310.6411.08
----------------------------------
0.10.30.470.221.291.391.451.81.962.072.475.455.94.011.71.32-9.210.87-13.972.011.59-11.925.444.013.25-2.911.516.389.59.089.4810.256.346.63
-196.0457.86-54.24494.918.484.3023.878.885.5119.38120.578.31-32.01-57.58-22.27-795.84-109.40-1,714.45-114.38-20.62-847.68-145.65-26.23-19.06-189.47-151.94322.7848.86-4.484.418.19-38.144.45
----------------------------------
----------------------------------
0.080.080.110.180.190.190.190.240.240.240.250.390.420.50.520.550.551.081.141.151.171.21.962.232.242.232.222.091.8500000
----------------------------------
Details

Keystats

Revenue and Growth

The UniCredit SpA Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the UniCredit SpA is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (B)CURRENT ASSETS (B)TANGIBLE ASSETS (B)LONG-T. INVEST. (B)LONG-T. REC. (B)INTANGIBLE ASSETS (B)GOODWILL (B)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (B)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (B)UNREAL. GAINS/LOSSES (B)EQUITY (B)LIABILITIES (B)PROVISIONS (B)OTHER SHORT-TERM LIAB. (B)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (B)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                         
000000000000000000000000000219.730
00000000000000000000000000000
00000000000000000000000000000
0000000000000000000000000004990
00000000000000000000000000021.580
000000000000000000000000000241.810
1.332.352.232.142.882.953.173.533.243.737.88.6210.4710.578.779.2712.0911.5110.7510.217.446.976.278.88.768.227.887.787.22
0.811.471.631.511.071.562.292.43.503.423.094.1943.873.963.563.866.486.486.586.166.215.54.794.354.073.544.03
0000000000000000000000000005.020
0.150.180.180.160.220.250.30.290.40.333.583.435.935.595.335.163.993.931.7921.911.711.92.021.912.122.212.352.27
0.940.890.860.050.562.312.131.9921.959.89.9120.3420.8920.4920.4311.5711.683.533.561.741.481.481.480.890000
0000000001.629.977.3314.1911.4910.7812.0617.4325.1220.8117.958.8759.8711.7314.1514.6413.3825.8913.0811.12
3.244.884.893.864.737.077.898.219.147.6334.5632.3755.1252.5549.2450.8948.6356.0943.3740.1576.5476.227.631.9730.9928.0740.0531.7724.64
3.244.884.893.864.737.077.898.219.147.6334.5632.3755.1252.5549.2450.8948.6356.0943.3740.1576.5476.227.631.9730.9928.0740.05273.5824.64
                                                         
0.580.580.741.211.281.32.523.153.1605.25.226.686.688.399.6512.1519.6519.6619.9120.2620.8520.8820.942121.0621.1321.2221.28
0.60.61.012.643.053.123.123.313.31016.8217.6333.7134.0736.5839.3236.8232.8823.8815.9815.9814.3913.413.3913.239.395.452.520.02
1.474.14.512.052.863.693.615.366.132.0711.6413.5416.5315.9915.9716.516.3610.875.6415.7615.955.7624.7724.9427.7228.3832.9938.1244.57
00000000011.150000000-2.18-2.3-3.38-3.15-20.47-0.432.212.112.061.49-0.23
0.480.470.420.420.440.480.210.310.291.161.92.441.14-1.74-1.25-1.25-3.840.37-0.151.131.060.34-0.18-2.44-2.73-1.430.2-00.16
3.135.766.696.327.638.589.4712.1212.8814.3735.5638.8358.0555.0159.764.2351.4961.5946.7349.3950.139.3459.3356.461.4259.5161.8363.3465.81
0.30.680.470.590.620.570.550.540.5204.374.084.844.554.594.524.510000.240.250.250.270.180.110.070.210.23
1.592.922.722.322.192.792.962.462.3300.981.231.531.421.321.21.091.181.081.184.916.385.634.894.174.95.264.084.6
0.340.840.911.191.481.62.052.231.981.561.341.522.692.831.991.471.53.261.261.130.890.90.650.40.690.790.631.141.19
0000000000000000062.4169.376.280.9876.7769.0582.7482.4168.5738.1932.1238.49
0000000000000000000000000003530
2.234.454.14.14.294.965.565.224.841.566.686.839.068.87.97.187.166.8571.6378.5187.0284.2875.5888.387.4574.3844.1537.944.51
1.211.31.531.291.354.597.077.096.191.37198.05211.35245.41210.21224.69190.67174.07171.3164.98150.84134.25117.93101.6190.47105.98113.09105.45124.63130.04
00000000004.594.584.965.44.464.374.684.621.030.620.540.50.440.540.690.570.590.540.29
5.0310.361010.0311.4722.7222.0729.0133.8564.41127.04122.76147.63193.23136.02141.51140.42156.3106.58121.16136.1134.1281.8573.3673.6278.8377.4550.6444.07
6.2311.6611.5311.3212.8127.3129.1436.0940.0465.79329.68338.68398408.84365.18336.55319.17332.22272.59272.62270.89252.56183.9164.37180.29192.49183.5175.81174.39
8.4616.1115.6315.4217.132.2734.741.3244.8867.34336.36345.51407.06417.63373.07343.74326.27399.07344.22351.14357.91336.84259.48252.68267.73266.86227.64213.71218.9
11.5921.8622.3221.7424.7440.8544.1753.4457.7681.71371.92384.34465.11472.64432.77407.96377.76460.65390.94400.53408.01376.18318.81309.08329.15326.37289.47277.05284.7
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of UniCredit SpA provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand UniCredit SpA's financial health and stability.

Assets

UniCredit SpA's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that UniCredit SpA must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of UniCredit SpA after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into UniCredit SpA's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (B)DEFERRED TAXES (B)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (B)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (B)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
0.10.30.470.21.291.391.451.81.962.072.475.455.94.011.71.32-9.210.87-13.972.011.69-11.795.474.343.49-2.781.576.479.53
00000.360.470.680.710.750.470.471.731.372.371.561.672.441.393.541.191.051.541.170.642.171.421.51.31.63
0.220001.151.941.641.271.3400000000000000000000
2.563.650.290.962.57-6.732.10.29-16.95-0.93-0.713.596.550.08-8.37-12.737.86-12.1315.7-9.82-1.551226.69-37.25-21.4981.39-13.511.63-55.44
1.291.311.52-1.23-0.431.010.55-0.89-0.450.221.151.032.430.051.221.473.65-0.57-1.141.350.933.22-0.831.32-0.383.292.920.853.16
00000000000000000000000000000
00000000000000000000000000000
4.175.262.29-0.074.94-1.936.423.18-13.351.823.3811.816.256.51-3.9-8.274.74-10.454.13-5.282.124.9832.5-30.96-16.2183.32-7.5210.26-41.13
0000-906-2,556-768-905-586-406-907-7,938-7,654-1,897-2,082-1,887-1,589-1,484-1,570-1,549-1,494-1,827-1,409-1,577-2,185-1,430-1,237-1,170-1,152
0000-4.39-6.86-1.461.24-0.79-0.28-0.89-7.56-8.36-5.775.64-0.44-0.460.920.151.920.31-1.343.8-1.222.820.57-0.7-0.24-0.79
0000-3.48-4.3-0.72.14-0.210.130.020.38-0.71-3.877.721.451.132.41.723.471.80.495.210.36520.540.930.37
00000000000000000000000000000
-4.82-0.55-3.651.422.188.65-4.66-2.0211.3600000000000000000000
000.582.10.480.0800.820-0.3600.190.02-0.222.83.92-07.36000012.59000-0.38-3.04-4.76
17.335.81.863.16-0.058.87-4.34-4.6314.48-1.45-1.29-2.1-2.48-3.672.713.04-0.997.11-0.931.28-0.84-0.2914.34-1.3-0.320.66-1.41-5.55-8.45
22.156.344.94-0.35-2.420.790.97-2.74.1200000000001.8900.52.2300.991.24-0.26-0.81-1.25
0000-286-648-649-734-1,005-1,090-1,292-2,287-2,498-3,443-94-876-983-254-934-612-842-780-478-1,301-1,307-579-774-1,702-2,440
21.5111.064.153.090.510.080.61-0.220.340.131.382.225.39-3.424.34-5.573.13-2.363.25-2.471.563.5650.64-33.5-13.6984.4-9.64.37-50.78
4,1745,2582,286-744,036-4,4845,6472,278-13,9311,4152,4773,8578,5934,609-5,978-10,1533,153-11,9312,564-6,8246283,15331,090-32,537-18,39281,893-8,7589,094-42,280
00000000000000000000000000000

UniCredit SpA stock margins

The UniCredit SpA margin analysis displays the gross margin, EBIT margin, as well as the profit margin of UniCredit SpA. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for UniCredit SpA.
  • 3 years

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  • Max

Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the UniCredit SpA's sales revenue. A higher gross margin percentage indicates that the UniCredit SpA retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the UniCredit SpA's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the UniCredit SpA's total revenue generated. When comparing the revenue margin year over year, investors can gauge the UniCredit SpA's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the UniCredit SpA. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the UniCredit SpA's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

UniCredit SpA Margin History

DateUniCredit SpA Profit margin
2028e28.4 %
2027e28.13 %
2026e43.28 %
2025e40.16 %
2024e37.52 %
202319.71 %
202218.46 %
20210 %
20200 %
20190 %
20180 %
20170 %
20160 %
20150 %
20140 %
20130 %
20120 %
20110 %
20100 %
20090 %
20080 %
20070 %
20060 %
20050 %
20040 %

UniCredit SpA Stock Sales Revenue, EBIT, Earnings per Share

The UniCredit SpA earnings per share therefore indicates how much revenue UniCredit SpA has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 years

  • 5 years

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  • 25 Years

  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue UniCredit SpA earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates UniCredit SpA's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of UniCredit SpA’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating UniCredit SpA's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

UniCredit SpA Revenue, EBIT and net profit per share

DateUniCredit SpA Sales per ShareUniCredit SpA Earnings per Share
2028e14.25 undefined4.05 undefined
2027e13.78 undefined3.88 undefined
2026e14.47 undefined6.26 undefined
2025e14.42 undefined5.79 undefined
2024e14.78 undefined5.55 undefined
202326.06 undefined5.14 undefined
202216.56 undefined3.06 undefined
20210 undefined0.68 undefined
20200 undefined-1.31 undefined
20190 undefined1.45 undefined
20180 undefined1.8 undefined
20170 undefined2.78 undefined
20160 undefined-9.93 undefined
20150 undefined1.36 undefined
20140 undefined1.75 undefined
20130 undefined-12.29 undefined
20120 undefined0.8 undefined
20110 undefined-16.83 undefined
20100 undefined2.41 undefined
20090 undefined3.25 undefined
20080 undefined8.09 undefined
20070 undefined14.19 undefined
20060 undefined14.01 undefined
20050 undefined9.76 undefined
20040 undefined8.73 undefined

UniCredit SpA business model

UniCredit SpA is a leading European financial institution based in Milan, Italy. The company has a long history dating back to 1870 when Banca di Genova was founded. Over the years, the bank has grown through mergers and acquisitions and has become one of the largest financial service providers in Europe. UniCredit SpA's business model is based on a wide range of financial services provided to private and corporate clients, as well as institutional investors and public corporations. The company operates in 17 countries and has over 3,000 branches. Within the company, there are various divisions including Corporate & Investment Banking, Commercial Banking, Private Banking and Asset Management, as well as Central & Eastern Europe Division, which focuses on the Eastern European region. UniCredit SpA offers a wide range of products and services including credit cards, current accounts, business loans, investment funds, asset management, and investment advisory. Additionally, the company also provides specialized services such as foreign exchange trading, trade financing, and project financing. Corporate & Investment Banking is an important division of UniCredit SpA that specializes in serving the needs of large corporations and institutional clients. The offerings include a wide range of financial services such as mergers and acquisitions, capital market transactions, structured finance, trade financing, and asset-backed securities. Commercial Banking is another important division of UniCredit SpA that provides financial services to small and medium-sized enterprises. The offerings include current accounts, loans, payment services, foreign exchange trading, and trade financing. Private Banking and Asset Management are specialized services offered by UniCredit SpA, serving affluent private clients and institutional investors. The offerings include asset management, investment advisory, tax advisory, and real estate investment. The Central & Eastern Europe Division focuses on the Eastern European region and offers a variety of financial services to private and corporate clients. The offerings include current accounts, loans, payment services, foreign exchange trading, and trade financing. In addition to its traditional banking services, UniCredit SpA is also active in the field of digital financial services. The company has developed mobile banking apps and provides online platforms for securities trading. UniCredit SpA is a leading European financial institution with a wide range of financial services offered to private and corporate clients, as well as institutional investors. The company has a long history and operates branches in 17 countries. UniCredit SpA operates in various divisions including Corporate & Investment Banking, Commercial Banking, Private Banking and Asset Management, as well as Central & Eastern Europe Division. The company offers a variety of products and services including credit cards, current accounts, business loans, investment funds, asset management, and investment advisory. UniCredit SpA also operates in the field of digital financial services and has developed mobile banking apps and offered online platforms for securities trading. UniCredit SpA is one of the most popular companies on Eulerpool.com.

UniCredit SpA SWOT Analysis

Strengths

UniCredit SpA boasts a strong market presence and is one of the leading banking institutions in Europe. With a wide network of branches and subsidiaries, it has established a global footprint, enabling it to tap into diverse markets and customer segments.

The company's robust financial position and well-diversified revenue streams provide stability and resilience in the face of economic downturns. UniCredit's extensive range of financial products and services caters to both retail and corporate customers, enhancing its competitiveness in the market.

Weaknesses

UniCredit SpA faces significant challenges in reducing its non-performing loan portfolio, which has adversely impacted its profitability and capital adequacy ratios. The high level of bad loans increases credit risk and requires resource-intensive recovery and provisioning efforts.

Moreover, the bank's reliance on traditional brick-and-mortar branches poses a weakness in an increasingly digital banking landscape. UniCredit must invest in modernizing its digital infrastructure and channels to remain competitive and meet evolving customer expectations.

Opportunities

The digitization of financial services offers UniCredit SpA an opportunity to drive operational efficiency, improve customer experience, and tap into new revenue streams. By leveraging technology, the bank can enhance its online and mobile banking platforms, expand digital offerings, and reach a wider customer base.

Additionally, UniCredit can explore strategic partnerships or acquisitions to boost its market presence and expand into new markets. Collaborations with fintech companies can enable the bank to leverage innovative technologies and enhance its product portfolio.

Threats

One of the major threats for UniCredit SpA is the intense competition in the banking industry, both from traditional banks and emerging fintech startups. To remain relevant, UniCredit must differentiate itself by offering innovative and personalized financial solutions, while also adapting to evolving customer preferences.

Furthermore, economic and geopolitical uncertainties can pose risks to the bank's operations, especially in regions where it has substantial exposure. Fluctuating interest rates, regulatory changes, and potential financial crises can impact UniCredit's profitability and stability, requiring effective risk management strategies.

UniCredit SpA Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

UniCredit SpA historical P/E ratio, EBIT, and P/S ratio.

UniCredit SpA shares outstanding

The number of shares was UniCredit SpA in 2023 — This indicates how many shares 1.85 B is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue UniCredit SpA earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates UniCredit SpA's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of UniCredit SpA’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating UniCredit SpA's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

UniCredit SpA Stock splits

In UniCredit SpA's history, there have been no stock splits.

UniCredit SpA dividend history and estimates

In 2023, UniCredit SpA paid a dividend amounting to 0.99 EUR. Dividend means that UniCredit SpA distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
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Dividend

Dividend Overview

The dividend per year chart for UniCredit SpA provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify UniCredit SpA’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating UniCredit SpA's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

UniCredit SpA Dividend History

DateUniCredit SpA Dividend
2028e1.07 undefined
2027e1.07 undefined
2026e1.07 undefined
2025e1.07 undefined
2024e1.07 undefined
20230.99 undefined
20220.54 undefined
20210.12 undefined
20190.27 undefined
20180.32 undefined
20161.2 undefined
20151.2 undefined
20141 undefined
20130.9 undefined
20113 undefined
20103 undefined
200823.07 undefined
200721.3 undefined
200619.52 undefined
200518.19 undefined
200415.17 undefined

UniCredit SpA dividend payout ratio

In 2023, UniCredit SpA had a payout ratio of 17.74%. The payout ratio indicates the percentage of the company's profits that UniCredit SpA distributes as dividends.
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Payout ratio
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Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for UniCredit SpA represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for UniCredit SpA could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate UniCredit SpA's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

UniCredit SpA Payout Ratio History

DateUniCredit SpA Payout ratio
2028e17.68 %
2027e17.68 %
2026e17.69 %
2025e17.67 %
2024e17.66 %
202317.74 %
202217.61 %
202117.65 %
202017.96 %
201918.62 %
201817.78 %
201717.96 %
2016-12.08 %
201588.24 %
201457.14 %
2013-7.32 %
201217.96 %
2011-17.84 %
2010124.48 %
200917.96 %
2008285.17 %
2007150.18 %
2006139.44 %
2005186.56 %
2004174 %
Unfortunately, there are currently no price targets and forecasts available for UniCredit SpA.

UniCredit SpA latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20241.39 1.61  (15.51 %)2024 Q2
3/31/20241.36 1.52  (11.76 %)2024 Q1
12/31/20230.77 1.11  (44.16 %)2023 Q4
9/30/20231.07 1.3  (21.43 %)2023 Q3
6/30/20230.95 1.12  (17.97 %)2023 Q2
3/31/20230.71 1.06  (48.86 %)2023 Q1
12/31/20220.5 0.73  (45.27 %)2022 Q4
9/30/20220.45 0.65  (45.15 %)2022 Q3
6/30/20220.41 0.73  (76.29 %)2022 Q2
12/31/20210.4 0.35  (-12.63 %)2021 Q4
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Eulerpool ESG Scorecard© for the UniCredit SpA stock

Eulerpool World ESG Rating (EESG©)

84/ 100

🌱 Environment

84

👫 Social

74

🏛️ Governance

93

Environment

Scope 1 - Direct Emissions
30,233
Scope 2 - Indirect emissions from purchased energy
106,714
Scope 3 - Indirect emissions within the value chain
28,651
Total CO₂ emissions
136,947
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees57.24
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

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UniCredit SpA list of shareholders

%
Name
Stocks
Change
Date
7.01947 % BlackRock Institutional Trust Company, N.A.114,907,38302/20/2024
5.58292 % Parvus Asset Management Europe Limited91,391,232-5,101,3173/27/2023
4.25309 % Allianz SE69,622,20302/20/2024
3.06658 % The Vanguard Group, Inc.50,199,372-2,037,5953/31/2024
2.64286 % Norges Bank Investment Management (NBIM)43,263,05743,263,05712/31/2023
2.02239 % BlackRock Investment Management (UK) Ltd.33,106,128-191,3873/31/2024
1.53068 % CPP Investment Board25,057,00023,739,0003/31/2023
1.29223 % Capital World Investors21,153,5341,429,9353/31/2024
1.25876 % Amundi Asset Management, SAS20,605,673-127,5003/31/2024
1.17671 % Capital Research Global Investors19,262,4781,740,9003/31/2024
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UniCredit SpA Executives and Management Board

Mr. Andrea Orcel59
UniCredit SpA Chief Executive Officer, Head of Italy, Executive Director (since 2021)
Compensation 4.72 M
Prof. Pietro Padoan73
UniCredit SpA Independent Non-Executive Chairman of the Board
Compensation 921,508
Ms. Elena Carletti53
UniCredit SpA Non-Executive Independent Director
Compensation 332,200
Ms. Maria Pierdicchi65
UniCredit SpA Non-Executive Independent Director
Compensation 234,800
Ms. Francesca Tondi56
UniCredit SpA Non-Executive Independent Director
Compensation 233,200
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Most common questions regarding UniCredit SpA

What values and corporate philosophy does UniCredit SpA represent?

UniCredit SpA represents a set of values and corporate philosophy that focus on integrity, transparency, and excellence. With a strong commitment to fostering trust and sustainable relationships, the company ensures ethical behavior and accountability in all its operations. UniCredit believes in delivering superior financial services, innovative solutions, and personalized experiences to its clients. The company values diversity, inclusion, and teamwork, driving a culture of collaboration and mutual respect. By prioritizing responsible leadership and social responsibility, UniCredit SpA strives to contribute positively to the communities it serves while maximizing value for its shareholders.

In which countries and regions is UniCredit SpA primarily present?

UniCredit SpA is primarily present in Italy, where its headquarters are located in Milan. Apart from its strong presence in its home country, UniCredit operates in several other countries and regions. It has a significant presence in Germany, Austria, and Central and Eastern Europe. UniCredit also has a foothold in other European countries, including France, Czech Republic, Hungary, Romania, and Poland. Additionally, the bank has expanded its presence globally, with operations in the United States, Hong Kong, Singapore, and other financial centers. UniCredit SpA's diverse presence enables it to serve a wide range of customers and tap into multiple markets across the globe.

What significant milestones has the company UniCredit SpA achieved?

UniCredit SpA, a renowned financial institution, has accomplished several significant milestones throughout its history. One notable achievement is its successful merger with Credito Italiano in 1998, resulting in the establishment of UniCredito Italiano. This merger enabled UniCredit to become one of the largest banking groups in Italy. Additionally, in 2005, the company made a milestone move by acquiring HVB Group, a leading German bank, expanding its presence in Central and Eastern Europe. UniCredit continued to strengthen its global presence by acquiring Pioneer Investments in 2000 and Bank Austria Creditanstalt in 2005. These strategic milestones have solidified UniCredit SpA's position as a prominent player in the international banking sector.

What is the history and background of the company UniCredit SpA?

UniCredit SpA is an Italian global banking and financial services company. Established in 1998, it has a rich history and a strong presence in over 14 European countries. UniCredit SpA operates through numerous subsidiaries and offers a wide range of banking products and services to individuals, corporations, and institutions. With its headquarters in Milan, Italy, UniCredit has been a key player in the European financial sector. The company has a strong reputation for its extensive network, innovative solutions, and commitment to customer satisfaction. UniCredit SpA continues to grow and adapt to the ever-changing dynamics of the global financial markets.

Who are the main competitors of UniCredit SpA in the market?

Some of the main competitors of UniCredit SpA in the market are Banco Santander, Société Générale, Intesa Sanpaolo, Deutsche Bank, and BNP Paribas.

In which industries is UniCredit SpA primarily active?

UniCredit SpA is primarily active in the financial services industry. As one of the largest commercial banks in Italy, UniCredit SpA offers a wide range of banking and financial services to individual, corporate, and institutional customers. With a presence in more than 17 countries, UniCredit SpA operates through various segments including commercial banking, investment banking, asset management, and wealth management. The company provides banking solutions, credit and lending services, insurance products, and investment advisory, serving clients across different sectors and industries. UniCredit SpA's strong presence in the financial services industry positions it as a key player in the global banking sector.

What is the business model of UniCredit SpA?

The business model of UniCredit SpA is centered around providing financial services to its customers. UniCredit operates as a commercial bank, offering a wide range of banking products and services such as lending, deposits, wealth management, and investment solutions. The company serves individuals, small and medium-sized enterprises, and large corporations, both domestically in Italy and internationally across various countries. UniCredit aims to generate revenue through interest income, fees, and commissions from its diverse customer base. With its robust network and expertise, UniCredit SpA strives to deliver sustainable and profitable growth by meeting the evolving financial needs of its clients.

What is the P/E ratio of UniCredit SpA 2024?

The UniCredit SpA P/E ratio is 7.52.

What is the P/S ratio of UniCredit SpA 2024?

The UniCredit SpA P/S ratio is 2.82.

What is the AlleAktien quality score of UniCredit SpA?

The AlleAktien quality score for UniCredit SpA is 2/10.

What is the revenue of UniCredit SpA 2024?

The expected UniCredit SpA revenue is 24.19 B EUR.

How high is the profit of UniCredit SpA 2024?

The expected UniCredit SpA profit is 9.08 B EUR.

What is the business model of UniCredit SpA

UniCredit SpA is one of the largest financial institutions in Europe and operates in more than 14 countries. With headquarters in Milan, Italy, UniCredit offers a wide range of financial services for retail customers, corporate customers, and institutional investors. The business model of UniCredit SpA is diverse and includes multiple business segments. The first segment focuses on retail banking, catering to the needs of individual customers and offering products such as accounts, loans, investments, insurance, and digital solutions. Another important segment is corporate banking, which targets small, medium, and large companies, as well as public institutions. UniCredit provides customized solutions in this segment for financing, liquidity, risk management, and strategic advisory. Yet another significant business segment of UniCredit is investment banking, focusing on the capital market, trading, and corporate finance. Within this segment, UniCredit offers solutions for corporate finance, debt capital markets, leveraged finance, and structured finance. Additionally, UniCredit also provides solutions for private customers in the areas of asset management and investment advisory. UniCredit is also active in the wealth management sector, offering comprehensive solutions for asset management for high-net-worth individuals. Here, UniCredit supports its clients in wealth management, estate planning, and philanthropy and foundations consulting. Furthermore, UniCredit also offers comprehensive solutions for the real estate sector, including financing for real estate projects and facilitating real estate sales. UniCredit follows a multi-channel strategy to meet all customer needs. The company operates a network of branches throughout Europe and has an extensive online presence through its own website and mobile services. Customers can access UniCredit's services and manage their accounts, loans, and investments through various channels. Overall, UniCredit SpA offers a broad portfolio of financial services for a variety of customers. The company follows a customer-centric strategy and strives to provide comprehensive solutions for their financial needs. UniCredit also emphasizes innovation and digitization to constantly bring new products and services to the market and thus meet customer demands.

What is the UniCredit SpA dividend?

UniCredit SpA pays a dividend of 0.54 EUR distributed over payouts per year.

How often does UniCredit SpA pay dividends?

The dividend cannot currently be calculated for UniCredit SpA or the company does not pay out a dividend.

What is the UniCredit SpA ISIN?

The ISIN of UniCredit SpA is IT0005239360.

What is the UniCredit SpA WKN?

The WKN of UniCredit SpA is A2DJV6.

What is the UniCredit SpA ticker?

The ticker of UniCredit SpA is UCG.MI.

How much dividend does UniCredit SpA pay?

Over the past 12 months, UniCredit SpA paid a dividend of 0.99 EUR . This corresponds to a dividend yield of about 2.67 %. For the coming 12 months, UniCredit SpA is expected to pay a dividend of 1.07 EUR.

What is the dividend yield of UniCredit SpA?

The current dividend yield of UniCredit SpA is 2.67 %.

When does UniCredit SpA pay dividends?

UniCredit SpA pays a quarterly dividend. This is distributed in the months of May, May, May, May.

How secure is the dividend of UniCredit SpA?

UniCredit SpA paid dividends every year for the past 8 years.

What is the dividend of UniCredit SpA?

For the upcoming 12 months, dividends amounting to 1.07 EUR are expected. This corresponds to a dividend yield of 2.9 %.

In which sector is UniCredit SpA located?

UniCredit SpA is assigned to the 'Finance' sector.

Wann musste ich die Aktien von UniCredit SpA kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of UniCredit SpA from 4/24/2024 amounting to 1.803 EUR, you needed to have the stock in your portfolio before the ex-date on 4/22/2024.

When did UniCredit SpA pay the last dividend?

The last dividend was paid out on 4/24/2024.

What was the dividend of UniCredit SpA in the year 2023?

In the year 2023, UniCredit SpA distributed 0.538 EUR as dividends.

In which currency does UniCredit SpA pay out the dividend?

The dividends of UniCredit SpA are distributed in EUR.

All fundamentals about UniCredit SpA

Our stock analysis for UniCredit SpA Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of UniCredit SpA Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.