How does 0RLS's PE Ratio compare to its peers?

0RLS is good value based on its Price-To-Earnings Ratio (5.8x) compared to the peer average (7.7x).

How does 0RLS's PE Ratio compare vs other companies in the European Banks Industry?

0RLS is good value based on its Price-To-Earnings Ratio (5.8x) compared to the European Banks industry average (7.3x).

What is 0RLS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0RLS is expensive based on its Price-To-Earnings Ratio (5.8x) compared to the estimated Fair Price-To-Earnings Ratio (5.6x).

What is the Fair Price of 0RLS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

0RLS (€38.61) is trading below our estimate of [[fair value]] (€70.43)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

UniCredit (LSE:0RLS) - Stock Price, News & Analysis

0RLS Stock Overview

Provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. More details

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

Rewards

Trading at 45.2% below our estimate of its fair value

Earnings grew by 15% over the past year

Analysts in good agreement that stock price will rise by 20.6%

Risk Analysis

Earnings are forecast to decline by an average of 4.1% per year for the next 3 years

Unstable dividend track record

UniCredit S.p.A. Competitors

Barclays

LSE:BARC

UK£37.9b

Lloyds Banking Group

LSE:LLOY

UK£33.3b

NatWest Group

LSE:NWG

UK£32.2b

Standard Chartered

LSE:STAN

UK£23.1b

Price History & Performance

Summary of all time highs, changes and price drops for UniCredit
Historical stock prices
Current Share Price	€38.61
52 Week High	€44.19
52 Week Low	€23.48
Beta	1.42
11 Month Change	-3.94%
3 Month Change	6.41%
1 Year Change	53.99%
33 Year Change	240.63%
5 Year Change	208.19%
Change since IPO	-92.39%

Recent updates

Shareholder Returns

	0RLS	GB Banks	GB Market
7D	-6.6%	2.3%	0.8%
1Y	54.0%	35.9%	6.6%

Return vs Industry: 0RLS exceeded the UK Banks industry which returned 35.9% over the past year.

Return vs Market: 0RLS exceeded the UK Market which returned 6.1% over the past year.

Price Volatility

Is 0RLS's price volatile compared to industry and market?
0RLS volatility
0RLS Average Weekly Movement	3.4%
Banks Industry Average Movement	3.8%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.3%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: 0RLS has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: 0RLS's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1870	69,454	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?
0RLS fundamental statistics
Market cap	€59.78b
Earnings (TTM)	€10.39b
Revenue (TTM)	€24.00b

5.8x

P/E Ratio

0.9x

P/B Ratio

Is 0RLS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0RLS income statement (TTM)
Revenue	€24.00b
Cost of Revenue	€0
Gross Profit	€24.00b
Other Expenses	€13.61b
Earnings	€10.39b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	6.74
Gross Margin	100.00%
Net Profit Margin	43.28%
Debt/Equity Ratio	184.1%

How did 0RLS perform over the long term?

See historical performance and comparison

Dividends

4.6%

Current Dividend Yield

31%

Payout Ratio

0RLS Stock Overview

Rewards

Risk Analysis

UniCredit S.p.A. Competitors

LSE:BARC

UK£37.9b

LSE:LLOY

UK£33.3b

LSE:NWG

UK£32.2b

LSE:STAN

UK£23.1b

Price History & Performance

Recent News & Updates

Upcoming dividend of €0.93 per share

Third quarter 2024 earnings released

UniCredit S.p.A. completed the acquisition of 90.1% stake in Alpha Bank Romania SA from Alpha Holdings Single Member S.A.

German Chancellor Opposes Commerzbank Takeover

UniCredit S.p.A. (BIT:UCG) agreed to acquire remaining 51% stake in CNP UniCredit Vita S.p.A. from CNP Assurances SA.

UniCredit S.p.A. (BIT:UCG) acquired an additional 11.50% stake in Commerzbank AG (XTRA:CBK).

Recent updates

Upcoming dividend of €0.93 per share

Third quarter 2024 earnings released

UniCredit S.p.A. completed the acquisition of 90.1% stake in Alpha Bank Romania SA from Alpha Holdings Single Member S.A.

German Chancellor Opposes Commerzbank Takeover

UniCredit S.p.A. (BIT:UCG) agreed to acquire remaining 51% stake in CNP UniCredit Vita S.p.A. from CNP Assurances SA.

UniCredit S.p.A. (BIT:UCG) acquired an additional 11.50% stake in Commerzbank AG (XTRA:CBK).

Commerzbank Reportedly Open to Tie-Up Talks with UniCredit

Second quarter 2024 earnings released

UniCredit S.p.A. (BIT:UCG) entered into a binding agreement to acquire Aion S.A and Vodeno Sp. z o.o. for €370 million.

UniCredit S.p.A.agreed to acquire majority stake in Alpha Bank Romania SA.

First quarter 2024 earnings released: EPS: €1.49 (vs €1.06 in 1Q 2023)

Upcoming dividend of €1.80 per share

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. to Report Q3, 2024 Results on Oct 24, 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

Now 21% undervalued

New major risk - Revenue and earnings growth

Second quarter 2023 earnings released

Unicredit S.P.A. Announces Executive Changes

Now 20% undervalued

First quarter 2023 earnings released

Upcoming dividend of €0.99 per share at 5.1% yield

Investor sentiment deteriorates as stock falls 16%

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 21% undervalued

Investor sentiment deteriorated over the past week

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