UniCredit (UCG) Panoramica del titolo
UniCredit S.p.A. fornisce servizi bancari commerciali in Italia, Germania, Europa centrale ed Europa orientale. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 5/6 |
| Crescita futura | 1/6 |
| Prestazioni passate | 4/6 |
| Salute finanziaria | 4/6 |
| Dividendi | 4/6 |
UCG Community Fair Values
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Analyst Price Targets
Top Community Narratives
€78.13
FV
6.3% sopravvalutato sconto intrinseco17.97%
Revenue growth p.a.
183
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Concorrenti di UniCredit S.p.A.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | €83.03 |
| Massimo di 52 settimane | €85.96 |
| Minimo di 52 settimane | €57.36 |
| Beta | 1.06 |
| Variazione di 1 mese | 3.23% |
| Variazione a 3 mesi | 12.07% |
| Variazione di 1 anno | 20.00% |
| Variazione a 3 anni | 281.75% |
| Variazione a 5 anni | 677.73% |
| Variazione dall'IPO | 52.90% |
Notizie e aggiornamenti recenti
Aggiornamento narrativa • Aug 18
UCG: Fair Value View Will Weigh Commerzbank Bid And 2026 Profit Guidance
Analysts have raised the UniCredit fair value estimate from about €86.16 to €91.30, pointing to updated price targets in the €93 to €96 range and citing adjusted assumptions on discount rate, revenue growth, profit margins and future P/E multiples. Analyst Commentary Recent Street research on UniCredit has clustered around higher price targets in the low to mid €90s.
Aggiornamento narrativa • Aug 04
UCG: Commerzbank Talks And Earnings Path Will Test Fair P/E Assumptions
Analysts have raised UniCredit’s fair value estimate from €72.00 to €77.00, reflecting a higher consolidated set of price targets from recent research that is based on updated assumptions regarding growth, profitability and required returns on the stock. Analyst Commentary on UniCredit Recent Street research on UniCredit points to a cluster of higher price targets, with several major brokers, including JPMorgan and Morgan Stanley, updating their views in 2026.Articolo di analisi • Jul 27
Earnings Miss: UniCredit S.p.A. Missed EPS By 13% And Analysts Are Revising Their Forecasts
Last week saw the newest half-yearly earnings release from UniCredit S.p.A. ( BIT:UCG ), an important milestone in the...Recent updates
Aggiornamento narrativa • Aug 18
UCG: Fair Value View Will Weigh Commerzbank Bid And 2026 Profit Guidance
Analysts have raised the UniCredit fair value estimate from about €86.16 to €91.30, pointing to updated price targets in the €93 to €96 range and citing adjusted assumptions on discount rate, revenue growth, profit margins and future P/E multiples. Analyst Commentary Recent Street research on UniCredit has clustered around higher price targets in the low to mid €90s.Aggiornamento narrativa • Aug 04
UCG: Commerzbank Talks And Earnings Path Will Test Fair P/E Assumptions
Analysts have raised UniCredit’s fair value estimate from €72.00 to €77.00, reflecting a higher consolidated set of price targets from recent research that is based on updated assumptions regarding growth, profitability and required returns on the stock. Analyst Commentary on UniCredit Recent Street research on UniCredit points to a cluster of higher price targets, with several major brokers, including JPMorgan and Morgan Stanley, updating their views in 2026.Articolo di analisi • Jul 27
Earnings Miss: UniCredit S.p.A. Missed EPS By 13% And Analysts Are Revising Their Forecasts
Last week saw the newest half-yearly earnings release from UniCredit S.p.A. ( BIT:UCG ), an important milestone in the...
Aggiornamento narrativa • Jul 20
UCG: Capital Strength And Commerzbank Control Pursuit Will Support Further Upside
Analysts have raised their UniCredit fair value estimate from €96.00 to about €102.00, citing research that indicates slightly higher revenue growth, a marginally stronger profit margin, a modestly higher future P/E assumption, a small adjustment to the discount rate, and recent upward revisions to Street price targets. Analyst Commentary Recent Street research on UniCredit points to a generally constructive backdrop, with several bullish analysts lifting price targets and reaffirming positive views on the stock's risk and reward profile.Aggiornamento narrativa • Jul 06
UCG: Fair Value View Balances 2026 Profit Guidance And Mixed Street Revisions
UniCredit's analyst price target has been nudged higher, with the fair value estimate moving from about €84.02 to €86.16 as analysts factor in modestly stronger revenue growth, a slightly improved profit margin profile and recent upward revisions in Street targets around €93. Analyst Commentary Recent research on UniCredit has been mixed, with price targets moving both higher and lower over the past few months.Aggiornamento narrativa • Jun 22
UCG: Commerzbank Takeover Setback Will Test Earnings Resilience And P/E Assumptions
Analysts have increased their UniCredit fair value estimate by about €4 to €72.00, citing recent Street research that adjusts assumptions around discount rates, revenue growth, profit margins and future P/E expectations. Analyst Commentary Recent Street research on UniCredit highlights that, alongside upward revisions, there have also been several bearish adjustments to price targets and ratings that point to ongoing debate about the stock's risk and reward profile.Aggiornamento narrativa • Jun 07
UCG: Capital Reshaping And Margin Resilience Will Support Further Upside
Analysts have made a modest upward adjustment to the UniCredit fair value estimate to €96.0. This reflects updated assumptions around discount rate, revenue growth, profit margin and future P/E after a mix of recent price target changes from major banks. Analyst Commentary Recent Street research on UniCredit has been mixed, with both upward and downward price target moves and at least one downgrade.Aggiornamento narrativa • May 23
UCG: Lower Discount Rate And 2026 Profit Guidance Will Support Upside
The updated analyst price target for UniCredit has increased to €84.02 from €82.57, reflecting refreshed views on discount rates, margins and P/E assumptions as analysts digest recent mixed target revisions from major banks. Analyst Commentary Recent research on UniCredit has been mixed, with several major firms adjusting their price targets in both directions over a short time frame.Articolo di analisi • May 08
Results: UniCredit S.p.A. Beat Earnings Expectations And Analysts Now Have New Forecasts
A week ago, UniCredit S.p.A. ( BIT:UCG ) came out with a strong set of quarterly numbers that could potentially lead to...Aggiornamento narrativa • Apr 23
UCG: Higher Return Assumptions And Capital Returns Will Support Future Upside
Analysts have nudged their price expectations for UniCredit only slightly. The updated fair value estimate has moved by about €1, while research points to a higher required return, modestly adjusted revenue growth assumptions, a slightly stronger profit margin profile, and a marginally lower future P/E multiple.Aggiornamento narrativa • Apr 09
UCG: Mixed Rating Shifts And P/E Assumptions Will Shape Future Upside
Analysts have trimmed their UniCredit price target from about €72 to roughly €67.68, reflecting updated assumptions on discount rates, revenue growth, profit margins and future P/E multiples following mixed recent research that included both target cuts and raises, alongside a downgrade and an upgrade. Analyst Commentary Recent Street research on UniCredit has been mixed, with some firms raising price targets while others cut theirs or shifted ratings.Aggiornamento narrativa • Mar 26
UCG: Higher Profitability Assumptions Will Support Future Upside Potential
Analysts have raised their fair value estimate for UniCredit from €57.00 to €72.00. They cite higher assumed revenue growth, stronger profit margins and a slightly lower future P/E multiple, which are in line with recent price target increases from major banks such as Citi, JPMorgan and Morgan Stanley.Aggiornamento narrativa • Mar 10
UCG: Rising Margin Resilience And Broker Upgrades Will Support Further Upside
Our UniCredit fair value estimate increases slightly to €95.50 from €95.00, reflecting analysts' higher price targets from Citi and JPMorgan, along with an updated view on margin resilience and a lower assumed future P/E of 13.8x. Analyst Commentary Recent Street research has leaned clearly positive on UniCredit, with several bullish analysts lifting price targets and at least one major broker moving to a more constructive stance.Aggiornamento narrativa • Feb 24
UCG: Execution On Capital Returns And M&A Will Drive Future Upside
We have raised our UniCredit fair value estimate to €83.56 from €74.86, reflecting analysts' higher price targets and assumptions for slightly stronger revenue growth, improved profit margins, and a lower future P/E multiple. Analyst Commentary Bullish Takeaways Bullish analysts are lifting price targets into the high €70s and low €80s, which supports a higher central fair value range for UniCredit and aligns with our updated €83.56 estimate.Articolo di analisi • Feb 13
UniCredit S.p.A. (BIT:UCG) Released Earnings Last Week And Analysts Lifted Their Price Target To €81.53
Last week saw the newest yearly earnings release from UniCredit S.p.A. ( BIT:UCG ), an important milestone in the...Aggiornamento narrativa • Feb 10
UCG: Rising Earnings Visibility And Higher P/E Assumptions Will Support Further Upside
The updated analyst price target for UniCredit moves to €95.00 from €85.70, reflecting analysts' use of a slightly lower discount rate, moderately higher revenue growth assumptions, a similar profit margin, and a higher future P/E multiple in light of recent upward price target revisions from multiple brokers. Analyst Commentary Recent research updates for UniCredit point to a cluster of higher price targets from bullish analysts, with several major banks lifting their views over a relatively short period.Aggiornamento narrativa • Jan 27
UCG: Capital Returns And Deal Execution Will Shape Future Share Performance
Analysts have raised their price target on UniCredit from about €71 to roughly €75, citing updated assumptions for slightly higher revenue growth, improved profit margins and a marginally higher future P/E multiple. Analyst Commentary Recent Street research on UniCredit points to a generally constructive stance, with several price targets set in the high €70s to low €80s range.Aggiornamento narrativa • Jan 11
UCG: Earnings Guidance And Profitability Assumptions Will Support Further Upside Potential
Analysts have raised their fair value estimate for UniCredit from €84.30 to €85.70. This reflects recent price target increases to €79 and €76, supported by updated assumptions around revenue growth, profitability, and future P/E levels.Aggiornamento narrativa • Dec 18
UCG: Earnings Guidance And Capital Returns Will Support Further Upside Potential
Analysts have lifted their price target on UniCredit by approximately EUR 4 to EUR 84.30, citing slightly stronger expected revenue growth, improved profit margins and a modestly lower discount rate that together support a higher fair value multiple. Analyst Commentary Bullish analysts continue to see upside in UniCredit's equity story, with recent target price revisions reflecting confidence in the bank's ability to sustain earnings growth and capital returns.Aggiornamento narrativa • Dec 04
UCG: Capital Returns And Commerzbank Stake Options Will Shape Future Share Performance
UniCredit's analyst price target has edged higher to about EUR 71.12 from EUR 70.99, as analysts factor in slightly stronger revenue growth expectations, offset by a marginally lower profit margin and discount rate. Analyst Commentary Recent Street research on UniCredit reflects a generally positive stance on the bank, with upward revisions to price targets from several bullish analysts and only a modest downward adjustment from more cautious voices.Aggiornamento narrativa • Nov 19
UCG: Capital Returns Near 11% Will Drive Share Performance Forward
Analysts have increased their fair value estimate for UniCredit from approximately €68.29 to €71.00. They cite improved profit margins and stronger revenue growth expectations as key factors driving this upward revision.
Nuova narrativa • Nov 10
Strategic Transformations And Digital Integration Propel Growth Amidst Earnings Challenges
UniCredit's client-centric strategy and fee income focus are driving revenue growth, supported by a strong fee/revenue ratio.Rendimenti per gli azionisti
| UCG | IT Banks | IT Mercato | |
|---|---|---|---|
| 7D | -2.6% | -2.6% | -1.6% |
| 1Y | 20.0% | 26.1% | 18.2% |
Ritorno vs Industria: UCG ha avuto una performance inferiore rispetto al Italian Banks che ha registrato un rendimento 26.1 % nell'ultimo anno.
Rendimento vs Mercato: UCG ha superato il mercato Italian che ha restituito 18.2 % nell'ultimo anno.
Volatilità dei prezzi
| UCG volatility | |
|---|---|
| UCG Average Weekly Movement | 3.8% |
| Banks Industry Average Movement | 3.2% |
| Market Average Movement | 4.2% |
| 10% most volatile stocks in IT Market | 7.9% |
| 10% least volatile stocks in IT Market | 2.8% |
Prezzo delle azioni stabile: UCG non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato Italian.
Volatilità nel tempo: La volatilità settimanale ( 4% ) di UCG è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 1870 | 66,180 | Andrea Orcel | www.unicreditgroup.eu |
UniCredit S.p.A. fornisce servizi bancari commerciali in Italia, Germania, Europa centrale ed Europa orientale. La società offre soluzioni per la clientela retail, privata e di gestione patrimoniale, nonché soluzioni per investitori istituzionali. Fornisce inoltre consulenza in materia di finanza aziendale, consulenza in materia di rating, sponsor finanziario, capitale paziente, consulenza sulla struttura del capitale e soluzioni di finanza sostenibile, oltre a servizi relativi ai titoli.
UniCredit S.p.A. Riepilogo dei fondamenti
| UCG statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | €124.41b |
| Utili (TTM) | €10.73b |
| Ricavi(TTM) | €24.84b |
11.6x
Rapporto P/E1.8x
Rapporto P/BUCG è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| UCG Conto economico (TTM) | |
|---|---|
| Ricavi | €24.84b |
| Costo del fatturato | €0 |
| Profitto lordo | €24.84b |
| Altre spese | €14.11b |
| Utili | €10.73b |
Ultimi utili riportati
Jun 30, 2026
Prossima data di guadagno
Oct 21, 2026
| Utile per azione (EPS) | 7.16 |
| Margine lordo | 100.00% |
| Margine di profitto netto | 43.19% |
| Rapporto debito/patrimonio netto | 348.4% |
Come si è comportato UCG nel lungo periodo?
Vedi performance storica e confrontoDividendi
3.8%
Rendimento attuale del dividendo24%
Rapporto di remunerazioneAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/08/23 02:34 |
| Prezzo dell'azione a fine giornata | 2026/08/21 00:00 |
| Utili | 2026/06/30 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
UniCredit S.p.A. è coperta da 38 analisti. 15 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Irene Rossetto | Banca Akros S.p.A. (ESN) |
| Javier Esteban Lario | Banco de Sabadell. S.A. |
| Juan Lopez Cobo | Banco Santander |