UniCredit (DB:CRIN) - Stock Price, News & Analysis

CRIN Stock Overview

UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe.

CRIN fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	5/6

Rewards

Trading at 44.1% below our estimate of its fair value

Earnings grew by 46.2% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 6.5% per year for the next 3 years

Unstable dividend track record

UniCredit S.p.A. Competitors

Commerzbank

XTRA:CBK

€15.3b

ProCredit Holding

XTRA:PCZ

€512.4m

UmweltBank

XTRA:UBK

€224.7m

Banco Bilbao Vizcaya Argentaria

BME:BBVA

€56.3b

Price History & Performance

Summary of all time highs, changes and price drops for UniCredit
Historical stock prices
Current Share Price	€33.87
52 Week High	€35.98
52 Week Low	€17.64
Beta	1.5
1 Month Change	3.09%
3 Month Change	32.05%
1 Year Change	79.36%
3 Year Change	296.51%
5 Year Change	163.87%
Change since IPO	-91.20%

Recent updates

Shareholder Returns

	CRIN	DE Banks	DE Market
7D	-3.1%	-1.9%	-1.2%
1Y	79.4%	23.1%	1.2%

Return vs Industry: CRIN exceeded the German Banks industry which returned 23.1% over the past year.

Return vs Market: CRIN exceeded the German Market which returned 1.2% over the past year.

Price Volatility

Is CRIN's price volatile compared to industry and market?
CRIN volatility
CRIN Average Weekly Movement	3.4%
Banks Industry Average Movement	3.2%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	9.8%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: CRIN has not had significant price volatility in the past 3 months.

Volatility Over Time: CRIN's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1870	70,752	Andrea Orcel	www.unicreditgroup.eu

UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. It offers retail, private, and wealth management solutions; and institutional investor solutions. The company also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and finance solutions, as well as securities services.

UniCredit S.p.A. Fundamentals Summary

How do UniCredit's earnings and revenue compare to its market cap?
CRIN fundamental statistics
Market cap	€57.26b
Earnings (TTM)	€9.33b
Revenue (TTM)	€22.96b

6.1x

P/E Ratio

0.9x

P/B Ratio

Is CRIN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CRIN income statement (TTM)
Revenue	€22.96b
Cost of Revenue	€0
Gross Profit	€22.96b
Other Expenses	€13.63b
Earnings	€9.33b

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

May 06, 2024

Earnings per share (EPS)	5.55
Gross Margin	100.00%
Net Profit Margin	40.65%
Debt/Equity Ratio	247.9%

How did CRIN perform over the long term?

See historical performance and comparison

Dividends

5.3%

Current Dividend Yield

35%

Payout Ratio

Does CRIN pay a reliable dividends?

See CRIN dividend history and benchmarks

When do you need to buy CRIN by to receive an upcoming dividend?
UniCredit dividend dates
Ex Dividend Date	Apr 22 2024
Dividend Pay Date	Apr 24 2024
Days until Ex dividend	8 days
Days until Dividend pay date	10 days

Does CRIN pay a reliable dividends?

See CRIN dividend history and benchmarks

CRIN Stock Overview

Rewards

Risk Analysis

UniCredit S.p.A. Competitors

XTRA:CBK

€15.3b

XTRA:PCZ

€512.4m

XTRA:UBK

€224.7m

BME:BBVA

€56.3b

Price History & Performance

Recent News & Updates

Full year 2023 earnings released: EPS: €5.11 (vs €3.08 in FY 2022)

Dividend increased to €1.80

UniCredit and Rockefeller Asset Management Launch Onemarkets Rockefeller Global Innovation Equity Fund

Full year 2023 earnings released: EPS: €4.71 (vs €3.08 in FY 2022)

UniCredit S.p.A. to Report Q4, 2023 Results on Feb 04, 2024

UniCredit S.p.A. to Report Fiscal Year 2023 Results on Feb 29, 2024

Recent updates

Full year 2023 earnings released: EPS: €5.11 (vs €3.08 in FY 2022)

Dividend increased to €1.80

UniCredit and Rockefeller Asset Management Launch Onemarkets Rockefeller Global Innovation Equity Fund

Full year 2023 earnings released: EPS: €4.71 (vs €3.08 in FY 2022)

UniCredit S.p.A. to Report Q4, 2023 Results on Feb 04, 2024

UniCredit S.p.A. to Report Fiscal Year 2023 Results on Feb 29, 2024

UniCredit S.p.A., Annual General Meeting, Apr 12, 2024

Third quarter 2023 earnings released: EPS: €1.28 (vs €0.78 in 3Q 2022)

UniCredit Bids to Buy Stake in Alpha Bank

UniCredit S.p.A., Annual General Meeting, Oct 27, 2023

New major risk - Revenue and earnings growth

Second quarter 2023 earnings released

Unicredit S.P.A. Announces Executive Changes

First quarter 2023 earnings released

Upcoming dividend of €0.99 per share at 5.1% yield

UniCredit S.p.A. Provides Earnings Guidance for the Year 2023

Full year 2022 earnings released

UniCredit S.p.A. to Report Q4, 2022 Results on Jan 30, 2023

Investor sentiment improves as stock rises 16%

UniCredit S.p.A., Annual General Meeting, Mar 31, 2023

UniCredit S.p.A. to Report Q3, 2023 Results on Oct 25, 2023

UniCredit Reassesses Potential Acquisition of Monte dei Paschi di Siena

Credit Factor SpA and KRUK Spólka Akcyjna (WSE:KRU) reached an agreement to acquire Non-performing unsecured individual credit portfolio, in Italy from UniCredit S.p.A. (BIT:UCG).

UniCredit S.p.A. to Report Fiscal Year 2022 Results on Jan 30, 2023

Third quarter 2022 earnings released

CNP Assurances SA completed the acquisition of remaining 49% of CNP Vita Assicura S.p.A. from UniCredit S.p.A. (BIT:UCG).

Second quarter 2022 earnings released

UniCredit S.p.A., Annual General Meeting, Sep 14, 2022

CNP Assurances SA signed a share purchase agreement to acquire 49% stakes in CNP Vita Assicura S.p.A. from UniCredit S.p.A. (BIT:UCG) for 500 million.

UniCredit Reportedly Considers Russia Exit that it Can Reverse After the War

illimity Bank S.p.A. (BIT:ILTY) reached an agreement to acquire Italian non-performing loans portfolio from UniCredit S.p.A. (BIT:UCG).

UniCredit Announces Executive Changes

UniCredit and Commerzbank Postpone Merger Talks

First quarter 2022 earnings released

Upcoming dividend of €0.54 per share

Now 27% undervalued

UniCredit Withdraws from A Possible Deal to Take over Otkritie Bank

Full year 2021 earnings: Revenues exceed analyst expectations

Update on UniCredit and Otkritie Bank Potential Acquisition

UniCredit Reportedly Among Suitors for Russia's Otkritie Bank

Investor sentiment improved over the past week

Italy, UniCredit Reportedly to Extend Talks over Monte dei Paschi Sale

Second quarter 2021 earnings released

MBCredit Solutions S.p.A. and KRUK Spólka Akcyjna (WSE:KRU) entered into an agreement to acquire Unsecured Individual Non-Performing Credit Portfolio of UniCredit from UniCredit S.p.A. (BIT:UCG).

Kruk Investimenti S. R. L., and UniCredit S.p.A. (BIT:UCG) agreed to acquire €304 million Italian debt portfolios.

An unknown buyer acquired unknown minority stake in Net Insurance S.p.A. (BIT:NET) from UniCredit S.p.A. (BIT:UCG).

First quarter 2021 earnings released: EPS €0.40

UniCredit Provides Earnings Guidance for the Full Year 2021

Independent Director has left the company

Independent Non Executive Director has left the company

Non-Executive Chairman Cesare Bisoni has left the company

Upcoming dividend of €0.12 per share

Full year 2020 earnings released: €1.33 loss per share (vs €0.86 profit in FY 2019)

New 90-day high: €8.85

Full year 2020 earnings released

UniCredit S.p.A. Announces Executive Changes

Group CEO & Director Jean Mustier has left the company

UniCredit S.p.A., Annual General Meeting, Apr 15, 2021

Monte dei Paschi to Open Books to Potential Partners