UCG N Stock Overview

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

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

Rewards

Trading at 0.2% 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 24.2%

Risk Analysis

Shares are highly illiquid

Earnings are forecast to decline by an average of 4.7% per year for the next 3 years

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

UniCredit S.p.A. Competitors

Grupo Financiero Banorte. de

BMV:GFNORTE O

Mex$393.5b

Grupo Financiero Inbursa. de

BMV:GFINBUR O

Mex$267.9b

Grupo Elektra. de

BMV:ELEKTRA *

Mex$77.7b

Banco del Bajío Institución de Banca Múltiple

BMV:BBAJIO O

Mex$51.5b

Price History & Performance

Summary of share price highs, lows and changes for UniCredit
Historical stock prices
Current Share Price	€800.16
52 Week High	€815.86
52 Week Low	€572.10
Beta	1.44
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	185.33%
Change since IPO	-21.31%

Recent updates

Shareholder Returns

	UCG N	MX Banks	MX Market
7D	0%	-6.6%	-4.3%
1Y	n/a	-26.8%	-14.0%

Return vs Industry: Insufficient data to determine how UCG N performed against the MX Banks industry.

Return vs Market: Insufficient data to determine how UCG N performed against the MX Market.

Price Volatility

Is UCG N's price volatile compared to industry and market?
UCG N volatility
UCG N Average Weekly Movement	n/a
Banks Industry Average Movement	3.4%
Market Average Movement	4.1%
10% most volatile stocks in MX Market	6.0%
10% least volatile stocks in MX Market	2.6%

Stable Share Price: UCG N's share price has been volatile over the past 3 months compared to the MX market.

Volatility Over Time: Insufficient data to determine UCG N's volatility change 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?
UCG N fundamental statistics
Market cap	Mex$1.21t
Earnings (TTM)	Mex$217.53b
Revenue (TTM)	Mex$502.57b

5.6x

P/E Ratio

0.9x

P/B Ratio

Is UCG N overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UCG N 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

Feb 10, 2025

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

How did UCG N perform over the long term?

See historical performance and comparison

Dividends

4.9%

Current Dividend Yield

46%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 04:03
End of Day Share Price	2024/12/03 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 here.

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 .

Analyst Sources

UniCredit S.p.A. is covered by 50 analysts. 17 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
Marta Sánchez Romero	Ahorro Corporación
Luigi Tramontana	Banca Akros S.p.A. (ESN)
Javier Esteban Lario	Banco de Sabadell. S.A.

UCG N Stock Overview

Rewards

Risk Analysis

UniCredit S.p.A. Competitors

BMV:GFNORTE O

Mex$393.5b

BMV:GFINBUR O

Mex$267.9b

BMV:ELEKTRA *

Mex$77.7b

BMV:BBAJIO O

Mex$51.5b

Price History & Performance

Recent News & Updates

UniCredit S.p.A. to Report Q4, 2024 Results on Feb 10, 2025

UniCredit S.p.A. (BIT:UCG) launched a voluntary public exchange offer to acquire Banco BPM S.p.A. (BIT:BAMI) from Crédit Agricole S.A., BlackRock, Inc. (NYSE:BLK), Enasarco Ente Nazionale Assistenza Agenti Rappresentanti Di Commercio, Leone Davide and others for €10.1 billion.

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

UniCredit S.p.A. to Report Q4, 2024 Results on Feb 10, 2025

UniCredit S.p.A. (BIT:UCG) launched a voluntary public exchange offer to acquire Banco BPM S.p.A. (BIT:BAMI) from Crédit Agricole S.A., BlackRock, Inc. (NYSE:BLK), Enasarco Ente Nazionale Assistenza Agenti Rappresentanti Di Commercio, Leone Davide and others for €10.1 billion.

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

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.

High number of new directors

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

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

UniCredit Bids to Buy Stake in Alpha Bank

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

High number of new and inexperienced directors

Unicredit S.P.A. Announces Executive Changes

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

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

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

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