UniCredit (UCG) Stock Overview
Provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 4/6 |
| Dividends | 4/6 |
UCG Community Fair Values
Create NarrativeSee what 85 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
€78.13
FV
1.3% undervalued intrinsic discount17.97%
Revenue growth p.a.
175
users have viewed this narrative0users have liked this narrative
0users have commented on this narrative
4users have followed this narrative
UniCredit S.p.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €77.09 |
| 52 Week High | €80.95 |
| 52 Week Low | €55.61 |
| Beta | 1.07 |
| 1 Month Change | 5.47% |
| 3 Month Change | 28.01% |
| 1 Year Change | 36.39% |
| 3 Year Change | 262.52% |
| 5 Year Change | 670.13% |
| Change since IPO | 41.96% |
Recent News & Updates
Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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.Recent updates
Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Analysis Article • 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...Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Analysis Article • 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...Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Analysis Article • Jul 26
UniCredit S.p.A. Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year
Investors in UniCredit S.p.A. ( BIT:UCG ) had a good week, as its shares rose 5.4% to close at €61.23 following the...
New Narrative • 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.Shareholder Returns
| UCG | IT Banks | IT Market | |
|---|---|---|---|
| 7D | -3.1% | -2.0% | -1.6% |
| 1Y | 36.4% | 37.8% | 25.4% |
Return vs Industry: UCG underperformed the Italian Banks industry which returned 37.8% over the past year.
Return vs Market: UCG exceeded the Italian Market which returned 25.4% over the past year.
Price Volatility
| UCG volatility | |
|---|---|
| UCG Average Weekly Movement | 5.3% |
| Banks Industry Average Movement | 4.2% |
| Market Average Movement | 4.8% |
| 10% most volatile stocks in IT Market | 8.2% |
| 10% least volatile stocks in IT Market | 3.0% |
Stable Share Price: UCG has not had significant price volatility in the past 3 months compared to the Italian market.
Volatility Over Time: UCG's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1870 | 67,458 | Andrea Orcel | www.unicreditgroup.eu |
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.
UniCredit S.p.A. Fundamentals Summary
| UCG fundamental statistics | |
|---|---|
| Market cap | €117.15b |
| Earnings (TTM) | €11.16b |
| Revenue (TTM) | €25.46b |
10.4x
P/E Ratio1.7x
P/B RatioIs UCG overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UCG income statement (TTM) | |
|---|---|
| Revenue | €25.46b |
| Cost of Revenue | €0 |
| Gross Profit | €25.46b |
| Other Expenses | €14.31b |
| Earnings | €11.16b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 22, 2026
| Earnings per share (EPS) | 7.45 |
| Gross Margin | 100.00% |
| Net Profit Margin | 43.81% |
| Debt/Equity Ratio | 193.3% |
How did UCG perform over the long term?
See historical performance and comparisonDividends
4.1%
Current Dividend Yield43%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/26 21:15 |
| End of Day Share Price | 2026/06/26 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
UniCredit S.p.A. is covered by 37 analysts. 16 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Irene Rossetto | Banca Akros S.p.A. (ESN) |
| Javier Esteban Lario | Banco de Sabadell. S.A. |
| Juan Lopez Cobo | Banco Santander |