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UniCredit S.p.A. (UCG.MI)
Milan, MI, IT
UniCredit S.p.A. is a prominent commercial banking institution offering a comprehensive range of financial services across the retail, corporate, and private banking sectors. Its extensive product portfolio includes deposit accounts, lending products, various card services, and convenient transaction and payment solutions. The bank also provides investment funds, advisory services, treasury management, and insurance offerings, complemented by robust digital and mobile banking platforms. For businesses, UniCredit delivers specialized solutions covering payments, liquidity management, working capital optimization, hedging strategies, international trade facilitation, and treasury operations. Furthermore, it offers diverse funding options such as structured finance, project finance, commodity trade and export finance, alongside debt and equity funding. Clients can also benefit from structured investment opportunities and expert investment advisory. The company extends its expertise to corporate finance, capital structure consultation, and rating advisory, in addition to providing patient capital, financial sponsor solutions, and sustainable finance initiatives. Serving a broad client base encompassing individual consumers, corporate entities, public sector organizations, international businesses, and institutional investors, UniCredit maintains a significant presence across Italy, various other European nations, the Americas, Asia, and globally. Established in 1870 and headquartered in Milan, Italy, the bank was previously known as Unicredito Italiano S.p.A.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.50% | -2.84% | +1.68% | -6.03% | +2.37% | -1.93% | +24.37% | +269.21% | +583.04% | +377.19% | -49.22% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 7 | 0 |
| Buy | 5 | 0 |
| Hold | 5 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-49.8% Q1'26: +6.2% (vs Q1'25)
-
EPS growth+19.2% Q1'26: +20.7% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +59.1% (vs Q1'25)
-
ROIC— Q1'26: +6.8% (vs Q1'25)
-
Share dilution-5.5% Q1'26: -3.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 9.73× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 16 Rev. Ana. 13 EPS Ana. |
Dec 2027 16 Rev. Ana. 16 EPS Ana. |
Dec 2028 14 Rev. Ana. 13 EPS Ana. |
Dec 2029 9 Rev. Ana. 11 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
27.25B
est: 22.35B (+21.9%)
|
25.23B
est: 21.72B (+16.1%)
|
24.04B
est: 19.40B (+23.9%)
|
24.85B
est: 19.76B (+25.8%)
|
24.58B
est: 18.64B (+31.9%)
|
22.11B
est: 17.21B (+28.5%)
|
22.29B
est: 17.75B (+25.5%)
|
26.75B
est: 19.66B (+36.0%)
|
44.93B
est: 23.64B (+90.1%)
|
46.75B
est: 24.73B (+89.1%)
|
23.47B
est: 24.76B (-5.2%)
|
26.06B
25.05B – 26.68B
+5.3% YoY
|
27.18B
26.00B – 28.08B
+4.3% YoY
|
28.43B
28.36B – 28.49B
+4.6% YoY
|
29.09B
27.90B – 29.92B
+2.3% YoY
|
| EBITDA |
1.54B
est: 4.53B (-66.1%)
|
-9.70B
est: 4.40B (-320.5%)
|
4.87B
est: 3.93B (+23.8%)
|
4.33B
est: 4.00B (+8.1%)
|
5.19B
est: 3.78B (+37.4%)
|
-1.09B
est: 3.49B (-131.1%)
|
3.27B
est: 3.60B (-9.1%)
|
8.59B
est: 3.98B (+115.7%)
|
13.08B
est: 7.78B (+68.2%)
|
14.17B
est: 8.13B (+74.2%)
|
13.68B
est: 8.14B (+67.9%)
|
8.57B
8.24B – 8.78B
+5.3% YoY
|
8.94B
8.55B – 9.24B
+4.3% YoY
|
9.35B
9.33B – 9.37B
+4.6% YoY
|
9.57B
9.18B – 9.84B
+2.3% YoY
|
| EBIT |
490.56M
est: 3.44B (-85.7%)
|
-11.24B
est: 3.34B (-436.6%)
|
3.70B
est: 2.98B (+24.0%)
|
3.69B
est: 3.04B (+21.5%)
|
3.02B
est: 2.87B (+5.4%)
|
-2.51B
est: 2.65B (-194.7%)
|
1.78B
est: 2.73B (-34.8%)
|
7.29B
est: 3.02B (+141.0%)
|
11.45B
est: 6.93B (+65.3%)
|
12.86B
est: 7.25B (+77.5%)
|
13.68B
est: 7.25B (+88.5%)
|
7.64B
7.34B – 7.82B
+5.3% YoY
|
7.96B
7.62B – 8.23B
+4.3% YoY
|
8.33B
8.31B – 8.35B
+4.6% YoY
|
8.52B
8.17B – 8.77B
+2.3% YoY
|
| Net Income |
1.69B
est: 2.95B (-42.6%)
|
-11.79B
est: -3.75B (-214.4%)
|
5.47B
est: 2.25B (+143.6%)
|
4.11B
est: 2.32B (+76.7%)
|
3.37B
est: 2.88B (+16.9%)
|
-2.79B
est: 328.35M (-948.2%)
|
2.10B
est: 2.76B (-23.9%)
|
6.46B
est: 3.82B (+69.3%)
|
9.51B
est: 9.35B (+1.6%)
|
9.72B
est: 9.22B (+5.4%)
|
11.02B
est: 10.42B (+5.8%)
|
10.89B
10.80B – 12.42B
+4.5% YoY
|
13.11B
12.14B – 14.09B
+20.4% YoY
|
15.13B
13.36B – 16.91B
+15.4% YoY
|
15.63B
14.79B – 16.20B
+3.3% YoY
|
| SGA |
3.19B
est: 2.06B (+54.6%)
|
3.79B
est: 2.00B (+89.5%)
|
3.18B
est: 1.79B (+77.6%)
|
2.94B
est: 1.82B (+61.4%)
|
2.58B
est: 1.72B (+49.9%)
|
3.29B
est: 1.59B (+107.4%)
|
2.56B
est: 1.64B (+56.3%)
|
2.41B
est: 1.81B (+32.9%)
|
2.43B
est: 2.66B (-8.5%)
|
2.48B
est: 2.78B (-10.7%)
|
5.87B
est: 2.78B (+110.9%)
|
2.93B
2.82B – 3.00B
+5.3% YoY
|
3.06B
2.92B – 3.16B
+4.3% YoY
|
3.20B
3.19B – 3.20B
+4.6% YoY
|
3.27B
3.14B – 3.36B
+2.3% YoY
|
| EPS |
1.37
est: 1.74 (-21.4%)
|
-9.82
est: -2.22 (-343.3%)
|
2.79
est: 1.33 (+110.2%)
|
1.75
est: 1.37 (+27.5%)
|
0.97
est: 1.70 (-43.1%)
|
-1.31
est: 0.19 (-775.5%)
|
0.93
est: 1.63 (-42.9%)
|
3.08
est: 2.25 (+36.7%)
|
5.11
est: 5.90 (-13.3%)
|
5.84
est: 5.81 (+0.5%)
|
6.89
est: 6.56 (+5.0%)
|
7.29
6.75 – 7.76
+11.0% YoY
|
8.22
7.59 – 8.81
+12.8% YoY
|
9.27
8.35 – 10.57
+12.7% YoY
|
9.77
9.25 – 10.13
+5.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-06 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-15 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Andrea Orcel | Group Chief Executive Officer, Head of Italy Region & Director | 4M | male |
| Gianfranco Bisagni | Group Chief Operating Officer | — | male |
| Jovana Vujicic | Director | — | male |
| Jürgen Dennert | Executive Vice President and Head of Audit & Corporate Bodies Support & QAR | — | male |
| Magda Palczynska | Head of Group Investor Relations | — | female |
| Mikhail Yuryevich Alekseev | Executive Vice President | — | — |
| Pietro Sassella | Managing Director | — | — |
| Renato Di Monta | Managing Director | — | male |
| Rita Izzo | Head of Group Legal | — | female |
| Siobhan McDonagh | Head of Group People & Culture | — | female |
| Stefano Porro | Chief Financial Officer | — | male |
| Ali Khan | Group Information and Digital Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for UCG.MI
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
