UniCredit S.p.A.

BIT:UCG Stock Report

Market Cap: €93.8b

UniCredit Past Earnings Performance

Past criteria checks 2/6

UniCredit has been growing earnings at an average annual rate of 55.1%, while the Banks industry saw earnings growing at 30.3% annually. Revenues have been growing at an average rate of 17.4% per year. UniCredit's return on equity is 15.2%, and it has net margins of 40%.

Key information

55.14%

Earnings growth rate

61.36%

EPS growth rate

Banks Industry Growth21.39%
Revenue growth rate17.42%
Return on equity15.22%
Net Margin40.03%
Next Earnings Update27 Oct 2025

Recent past performance updates

Recent updates

UniCredit S.p.A. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

May 15
UniCredit S.p.A. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

UniCredit S.p.A. (BIT:UCG) Full-Year Results Just Came Out: Here's What Analysts Are Forecasting For This Year

Feb 14
UniCredit S.p.A. (BIT:UCG) Full-Year Results Just Came Out: Here's What Analysts Are Forecasting For This Year
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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.

Revenue & Expenses Breakdown

How UniCredit makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

BIT:UCG Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 2524,1929,6859,4540
31 Dec 2423,9949,4729,4410
30 Sep 2423,99510,3869,9320
30 Jun 2423,85410,1959,9660
31 Mar 2423,4129,8269,9950
31 Dec 2322,9579,3329,9920
30 Sep 2322,3089,0869,6560
30 Jun 2321,2578,4739,8160
31 Mar 2320,1838,17410,0500
31 Dec 2218,0696,38110,0680
30 Sep 2215,1053,07610,1630
30 Jun 2214,4082,42510,2330
31 Mar 2213,6721,44710,3430
31 Dec 2114,2872,06210,4090
30 Sep 2115,0911,68910,0990
30 Jun 2114,4921,31110,0560
31 Mar 2113,70863610,3260
31 Dec 2011,250-2,95610,4130
30 Sep 2011,600-2,58710,9270
30 Jun 2012,310-2,08710,9850
31 Mar 2012,556-1,89910,7290
31 Dec 1915,0891,91710,7690
30 Sep 1916,0274,78210,8220
30 Jun 1915,1183,57210,8870
31 Mar 1915,8623,88510,9170
31 Dec 1816,0983,88811,1480
30 Sep 1815,7752,18411,1810
30 Jun 1816,5422,90811,5060
31 Mar 1816,6273,12711,8960
31 Dec 1716,4102,75912,0680
30 Sep 176,091-11,23512,7880
30 Jun 175,902-11,67212,9400
31 Mar 176,370-11,81113,0980
31 Dec 165,857-12,54813,1870
30 Sep 1613,421-20611,7820
30 Jun 1613,802-1712,0080
31 Mar 1613,710-34612,2940
31 Dec 1514,57721612,7490
30 Sep 1517,6661,86613,6880
30 Jun 1518,2772,17513,9390
31 Mar 1517,7101,95713,7340
31 Dec 1417,7592,09613,7300
30 Sep 149,555-12,40313,1880

Quality Earnings: UCG has high quality earnings.

Growing Profit Margin: UCG's current net profit margins (40%) are lower than last year (42%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: UCG has become profitable over the past 5 years, growing earnings by 55.1% per year.

Accelerating Growth: UCG's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: UCG had negative earnings growth (-1.4%) over the past year, making it difficult to compare to the Banks industry average (10.3%).


Return on Equity

High ROE: UCG's Return on Equity (15.2%) is considered low.


Return on Assets


Return on Capital Employed


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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/23 12:07
End of Day Share Price 2025/07/23 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 49 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Marta Sánchez RomeroAhorro Corporación
Luigi TramontanaBanca Akros S.p.A. (ESN)
Javier Esteban LarioBanco de Sabadell. S.A.