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Company price
42.9 USD -1.30 ( 2.94%)
Last update at 2026-11-05T20:59:00Z
VOLUME
44630
Market Cap
45709.37M
P/E
5.04

Momentum Score

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UniCredit S.p.A. engages in the provision of commercial banking services. It offers retail, private, and wealth management solutions; and institutional investor solutions. The company also provides capital structure, funding and liquidity, and transaction banking and securities services. In addition, it offers transactional and risk management, and strategic advisory and funding services. 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 operates primarily in Italy, Germany, Central Europe, Eastern Europe, and Russia. The company was founded in 1870 and is headquartered in Milan, Italy.

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Day Price Range
42.89
Low
44.19
High
52 Week Price Range
6.73
Low
13.92
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
44.20
Dividend Yield
4.03%
Revenue TTM
22439.00M
Revenue Per Share
6.18
Gross Profit TTM
18267.00M
Debt / Equity
1.82
ROE
14.57%
Net Debt
-18477.00M
ROCE
0.84%
Diluted EPS TTM
2.67

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 7289.00M 1235.00M -2505.00M 3021.00M 3593.37M
Minority interest -15.00M -30.00M 435.00M 369.00M 961.00M
Net income 6458.00M 1540.00M -2827.00M 2159.00M 3892.44M
Selling general administrative 1763.00M 2485.00M 1912.00M 1992.00M 2384.03M
Selling and marketing expenses 116.00M 153.00M 155.00M 155.00M 206.60M
Gross profit 876.00M 18596.00M 18428.00M 20060.00M 21118.98M
Reconciled depreciation 1149.00M 1133.00M 1215.00M 1295.00M 1059.32M
Ebit 7191.00M 1209.00M -2463.00M 4235.00M 7757.41M
Ebitda 8426.00M 2455.00M -1248.00M 5530.00M 8816.73M
Depreciation and amortization 1235.00M 1246.00M 1215.00M 1295.00M 1059.32M
Non operating income net other - - - - 0.00M
Operating income 7191.00M 1209.00M -2463.00M 4235.00M 7757.41M
Other operating expenses 10654.00M 11789.00M 11933.00M 12550.00M 13394.79M
Interest expense 5715.00M 3612.00M 3685.00M 4521.00M 4366.67M
Tax provision 819.00M -330.00M 322.00M 862.00M -501.69M
Interest income 10692.00M 9060.00M 14179.00M 15637.00M 15746.89M
Net interest income 10692.00M 9060.00M 9497.00M 10272.00M 10853.13M
Extraordinary items - - - - 0.00M
Non recurring - - - - 0.00M
Other items - - - - 0.00M
Income tax expense 819.00M -331.00M 322.00M 862.00M -501.69M
Total revenue 876.00M 18596.00M 18428.00M 20060.00M 21118.98M
Total operating expenses 11733.00M 11789.00M 11933.00M 12550.00M 13394.79M
Cost of revenue - - - - 0.00M
Total other income expense net 98.00M 26.00M -42.00M -1214.00M -4164.04M
Discontinued operations 3.00M 4.00M 49.00M 1332.00M 126.00M
Net income from continuing ops 6470.00M 1566.00M -2827.00M 2159.00M 4095.07M
Net income applicable to common shares 6458.00M 1510.00M -2907.00M 3249.00M 4014.00M
Preferred stock and other adjustments - - - - 0.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 857773.00M 916671.00M 931456.00M 855647.00M 831468.72M
Intangible assets 2350.00M 2213.00M 2117.00M 1914.00M 2023.53M
Other current assets 1229.00M 66083.00M 60724.00M 40656.00M 13885.00M
Total liab 794276.00M 854578.00M 871514.00M 793862.00M 774700.94M
Total stockholder equity 63339.00M 61628.00M 59507.00M 61416.00M 55840.60M
Deferred long term liab - - - - 0.00M
Other current liab -1484.00M -1127.00M -1100.00M -1451.00M -1397.70M
Common stock 21220.00M 21133.00M 21060.00M 20995.00M 20940.40M
Capital stock 56900.00M 21133.00M 21060.00M 20995.00M 20940.40M
Retained earnings 6458.00M 1540.00M -2785.00M 3373.00M 3892.44M
Other liab 33259.00M 15881.00M 16821.00M 17124.00M 18394.00M
Good will 0.00M 0.00M - 886.00M 1483.72M
Other assets 519094.00M 511467.00M 523649.00M 562592.00M 553135.04M
Cash 133939.00M 162267.00M 165618.00M 56941.00M 43264.14M
Total current liabilities 1484.00M 1127.00M 1100.00M 1451.00M 1397.70M
Net debt -18477.00M -36354.00M -31534.00M 69209.00M 66004.55M
Short term debt - - - - 0.00M
Short long term debt - - - - 0.00M
Short long term debt total 115462.00M 125913.00M 134084.00M 126150.00M 109268.69M
Other stockholder equity 35661.00M 38955.00M 41232.00M 37048.00M 31007.76M
Property plant equipment 9164.00M 7881.00M 8220.00M 8760.00M 6207.00M
Total current assets 118279.00M 167978.00M 171075.00M 65046.00M 51429.39M
Long term investments 208800.00M 242587.00M 225768.00M 215416.00M 176409.82M
Net tangible assets 60989.00M 59415.00M 57390.00M 58616.00M 52882.00M
Short term investments 6939.00M - - 98418.00M 77735.43M
Net receivables 6479.00M 5711.00M 5457.00M 8105.00M 8165.25M
Long term debt - - - 96301.00M 109181.22M
Inventory - 44.00M 627.00M 1033.00M 660.00M
Accounts payable 1484.00M 1127.00M 1100.00M 1451.00M 1397.70M
Total permanent equity - - - - 0.00M
Noncontrolling interest in consolidated entity - - - - 0.00M
Temporary equity redeemable noncontrolling interests - - - - 0.00M
Accumulated other comprehensive income - - - - 0.00M
Additional paid in capital - - - - 0.00M
Common stock total equity - - - - 0.00M
Preferred stock total equity - - - - 0.00M
Retained earnings total equity - - - - 0.00M
Treasury stock - - - - 0.00M
Accumulated amortization - - - - 0.00M
Non currrent assets other 7910.00M -237226.00M -236732.00M -228009.00M -226904.29M
Deferred long term asset charges - - - - 0.00M
Non current assets total 220400.00M 237226.00M 236732.00M 228009.00M 226904.29M
Capital lease obligations - - - - 0.00M
Long term debt total - - - - 0.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -237.00M 66.00M 498.00M 824.00M -471.00M
Change to liabilities 0.00M 0.00M 0.00M 0.00M 0.00M
Total cashflows from investing activities - -699.00M 569.00M 2815.00M -1220.00M
Net borrowings - - - - 0.00M
Total cash from financing activities -5551.00M -1408.00M 660.00M -315.00M -1300.58M
Change to operating activities - -18894.00M 69125.00M -41746.00M -66674.00M
Net income 6473.00M 1570.00M -2778.00M 3491.00M 3892.44M
Change in cash 4369.00M -9596.00M 84402.00M -13686.00M -33502.05M
Begin period cash flow 107407.00M 117003.00M 17305.00M 30991.00M 64493.41M
End period cash flow 111776.00M 107407.00M 101707.00M 17305.00M 30991.36M
Total cash from operating activities 10264.00M -7521.00M 83323.00M -16207.00M -30959.53M
Depreciation 1235.00M 1246.00M 1419.00M 2171.00M 635.00M
Other cashflows from investing activities - 150.00M 61.00M 64.00M 183.00M
Dividends paid -1702.00M -774.00M -579.00M -1307.00M 1300.58M
Change to inventory - - - - 0.00M
Change to account receivables - - - - 0.00M
Sale purchase of stock - - - - 0.00M
Other cashflows from financing activities -3849.00M -634.00M 1239.00M 992.00M -1219.65M
Change to netincome - 4635.00M 9852.00M 5596.00M 3824.00M
Capital expenditures 1170.00M 1237.00M 1430.00M 2185.00M 1576.57M
Change receivables - - - - 0.00M
Cash flows other operating - - - - 0.00M
Exchange rate changes - - - - 0.00M
Cash and cash equivalents changes - - - - 0.00M
Change in working capital 1484.00M -14942.00M 74837.00M -27347.00M -39525.19M
Other non cash items 1072.00M 5851.00M 11264.00M 7649.00M 4673.22M
Free cash flow 9094.00M -8758.00M 81893.00M -18392.00M -32536.10M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
UNCRY
UniCredit SpA ADR
-1.30
2.94%
42.90 5.04 5.65 2.01 0.65
DBSDY
DBS Group Holdings Ltd ADR
-0.48
0.22%
222.70 20.00 17.57 7.54 3.17
CIHHF
China Merchants Bank Co Ltd Class H
-
-%
6.66 7.70 7.10 0.55 0.83
CIHKY
China Merchants Bank Co Ltd
0.10
0.29%
34.55 7.79 7.20 0.55 0.85
UNCFF
UniCredit SpA
-1.65
1.87%
86.60 11.53 10.27 5.72 1.83

Profile*

UniCredit SpA ADR

UniCredit S.p.A. engages in the provision of commercial banking services. It offers retail, private, and wealth management solutions; and institutional investor solutions. The company also provides capital structure, funding and liquidity, and transaction banking and securities services. In addition, it offers transactional and risk management, and strategic advisory and funding services. 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 operates primarily in Italy, Germany, Central Europe, Eastern Europe, and Russia. The company was founded in 1870 and is headquartered in Milan, Italy.

Tower A, Milan, MI, Italy, 20154

39 02 88 621

75040

Name Title Year Born
Mr. Andrea Orcel CEO, Head of Italy & Director 1963
Mr. Stefano Porro Chief Financial Officer 1975
Mr. Bart Schlatmann Group Chief Operating Officer NA
Ms. Jingle Pang Group Digital & Information Officer NA
Ms. Magda Palczynska Head of Group Investor Relations NA
Mr. Gianpaolo Alessandro Group Legal Officer & Sec. of the Board of Directors NA
Ms. Serenella de Candia Group Compliance Officer NA
Ms. Siobhan McDonagh Head of Group People & Culture NA
Mr. Rodolfo Ortolani Exec. VP & CEO of Cordusio Fiduciaria NA
Dr. Mikhail Yuryevich Alekseev Exec. VP 1964

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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