UCG Share Price Performance
€72.11
15.93 (28.36%)
12.7% undervalued intrinsic discount
€82.57
Fair Value
Price €72.11
AnalystConsensusTarget €82.57
Menalbi €78.13
AnalystLowTarget €67.68
Fair Value€84.02
Share Pricen/a
Narrative Update • May 23
UniCredit S.p.A. Stock Price
- 4 Narratives written by author
- 0 Comments on narratives written by author
- 91 Fair Values set on narratives written by author
UCG Community Narratives
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Fair Value
·Fair Value €84.02 14.2% undervalued intrinsic discount
Digital Banking And Sustainable Finance Will Reshape European Markets
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50users have followed this narrative
ME
Fair Value
·Fair Value €78.13 7.7% undervalued intrinsic discount
UniCredit's Path to €78.13 Driven by Long-Term Growth Potential
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4users have followed this narrative
AN
Fair Value
·Fair Value €67.68 6.6% overvalued intrinsic discount
Rising Fintech Disruption And Tighter Regulation Will Hamper Profitability
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1users have followed this narrative
UniCredit's Path to €78.13 Driven by Long-Term Growth Potential
UniCredit is reshaping itself by cutting costs, tightening up risk, and going more digital, which could make the business stronger and more profitable over time. The big question is whether this turnaround and expansion into new regions can hold up through economic and political shocks while the bank keeps generating cash for shareholders.Read more
Digital Banking And Sustainable Finance Will Reshape European Markets
UniCredit is leaning into digital banking, wealth services, and greener lending to replace fading legacy income and build steadier fee-based revenue. The upside comes with real hurdles, from Europe’s aging customer base to political roadblocks and riskier exposure in newer markets.Read more
AN
€84.02
14.2% undervalued intrinsic discount
Fair Value
Revenue
3.9% p.a.
Profit Margin
44.41%
Future PE
11.86x
Price in 2029
€111.28
Rising Fintech Disruption And Tighter Regulation Will Hamper Profitability
Key Takeaways Digital disruption and regulatory burdens threaten profitability, while underinvestment in technology risks loss of customers and increased operational costs. Heavy reliance on Southern Europe exposes UniCredit to regional economic shocks, leading to instability in earnings and heightened risk.Read more
AN
€67.68
6.6% overvalued intrinsic discount
Fair Value
Revenue
2.09% p.a.
Profit Margin
44%
Future PE
10.92x
Price in 2029
€93.04
Digital Transformation And EU Integration Will Secure A Bright Future
Key Takeaways Robust digital transformation, platform innovation, and regulatory harmonization position UniCredit for improved margins, scalable operations, and new revenue streams across integrated European markets. Product diversity, capital strength, and expansion into high-growth regions enable sustained growth, resilient profitability, and increased market share in fee-based financial services.Read more
AN
€95.5
24.5% undervalued intrinsic discount
Fair Value
Revenue
5.19% p.a.
Profit Margin
45.13%
Future PE
13.78x
Price in 2029
€131.84
Trending Discussion
Recently Updated Narratives
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UniCredit's Path to €78.13 Driven by Long-Term Growth Potential
Fair Value: €78.13 7.7% undervalued intrinsic discount
4 fair values setusers have set this as their fair value
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AN
UCG: Lower Discount Rate And 2026 Profit Guidance Will Support Upside
Fair Value: €84.02 14.2% undervalued intrinsic discount
50 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
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AN
UCG: Mixed Rating Shifts And P/E Assumptions Will Shape Future Upside
Fair Value: €67.68 6.6% overvalued intrinsic discount
1 fair value setusers have set this as their fair value
0 commentsusers have commented on this narrative
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Snowflake Analysis
UniCredit S.p.A. Key Details
Last Reported Earnings
Mar 31, 2026
Next Reporting Earnings
Jul 22, 2026
- 7.45
- 100.00%
- 43.81%
- 193.3%
About UCG
- Founded
- 1870
- Employees
- 67458
- CEO
- WebsiteView website
UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. The company offers retail, private, and wealth management solutions; and institutional investor solutions. It also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and sustainable finance solutions, as well as securities services. In addition, the company offers transactional and risk management, structured finance, debt funding, equity funding, project finance, commodity trade finance, and trade and export finance services; group trade and correspondent banking services; and payments solutions. It serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. UniCredit S.p.A. was founded in 1870 and is headquartered in Milan, Italy.
