UniCredit S.p.A.
UNCRY
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+ FollowMarket Cap$127.05B
Close$
Earnings Call Q4 2025
February 9, 2026 - AI Summary
Record Financial Performance: UniCredit reported a record net profit of EUR 10.6 billion for 2025, reflecting a 14% increase year-over-year (YOY), with a return on tangible equity (RoTE) of 19.2%. This was driven by resilient net interest income (NII), which stabilized and grew by 4% with quality loan growth.
Growth Forecast: The bank aims for quality top-line growth, targeting a 5% compound annual growth rate (CAGR) on net revenue, expecting to reach around EUR 27.5 billion by 2028 and aspiring to exceed EUR 29 billion by 2030. Profitable net profit is projected at a 7% CAGR to approximately EUR 13 billion by 2028.
Transformation Strategy: Transitioning from "UniCredit Unlocked" to "UniCredit Unlimited," the bank plans to leverage technology and AI to reset efficiency standards, with a goal of reducing its cost base by 1% annually, aiming for around EUR 9.2 billion by 2028 and below EUR 9 billion by 2030.
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$-30.02
170.8% downside
Current Fair Value
170.8% downsideOvervalued by 170.8% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $127.05 Billion |
|---|---|
| Enterprise Value | $239.02 Billion |
| Dividend Yield | $1.83 (4.30%) |
| Earnings per Share | $3.31 |
| Beta | 1.07 |
| Outstanding Shares | 3,015,906,000 |
Return
| Return on Equity | 17.51% |
|---|---|
| Return on Assets | 1.33% |
| Return on Invested Capital | 1.73% |
Valuation & Multiples
| P/E Ratio | 9.6 |
|---|---|
| PEG | 48.66 |
| Price to Sales | 4.71 |
| Price to Book Ratio | 1.93 |
| Enterprise Value to Revenue | 8.77 |
| Enterprise Value to EBIT | 15.28 |
| Enterprise Value to Net Income | 19 |
| Total Debt to Enterprise | 0.67 |
| Debt to Equity | 2.34 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
May 11, 2026
EPS Estimate
$1.06
Average shareholder expectationRevenue Estimate
$7.62 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.00000% |
|---|---|
| Total Calls | - |
| Total Puts | - |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.01%▲ 0.00% |
|---|---|
| Total Invested | $6.70M▲ 0.48% |
| Investors Holding | 15▼ 6.00% |
ESG Score
No data
About UniCredit S.p.A.
75,265 employees
CEO: Mr. Andrea Orcel UniCredit S.p.A. operates as a commercial bank that provides retail, corporate, and private banking services. It offers accounts and deposits, loans, cards, transactions and payments, funds, advisory, treasury, and insurance products, as...