UniCredit (WSE:UCG) - Stock Price, News & Analysis

UCG Stock Overview

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

UCG fundamental analysis
Snowflake Score
Valuation	6/6
Future Growth	0/6
Past Performance	3/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 35.2% below our estimate of its fair value

Earnings have grown 47.9% per year over the past 5 years

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 20.5%

Risk Analysis

Earnings are forecast to decline by an average of 5.4% per year for the next 3 years

Unstable dividend track record

UniCredit S.p.A. Competitors

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

WSE:PKO

zł69.7b

Santander Bank Polska

WSE:SPL

zł47.4b

Bank Polska Kasa Opieki

WSE:PEO

zł39.1b

ING Bank Slaski

WSE:ING

zł33.6b

Price History & Performance

Summary of all time highs, changes and price drops for UniCredit
Historical stock prices
Current Share Price	€162.04
52 Week High	€166.52
52 Week Low	€98.42
Beta	1.46
11 Month Change	2.88%
3 Month Change	10.61%
1 Year Change	48.66%
33 Year Change	217.79%
5 Year Change	241.14%
Change since IPO	-90.47%

Recent updates

Shareholder Returns

	UCG	PL Banks	PL Market
7D	4.5%	-1.1%	-1.6%
1Y	48.7%	49.3%	15.2%

Return vs Industry: UCG underperformed the Polish Banks industry which returned 50% over the past year.

Return vs Market: UCG exceeded the Polish Market which returned 17.1% over the past year.

Price Volatility

Is UCG's price volatile compared to industry and market?
UCG volatility
UCG Average Weekly Movement	5.4%
Banks Industry Average Movement	4.6%
Market Average Movement	5.1%
10% most volatile stocks in PL Market	9.0%
10% least volatile stocks in PL Market	3.3%

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

Volatility Over Time: UCG's weekly volatility (5%) 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?
UCG fundamental statistics
Market cap	zł253.60b
Earnings (TTM)	zł43.21b
Revenue (TTM)	zł100.94b

5.9x

P/E Ratio

1.0x

P/B Ratio

Is UCG overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UCG income statement (TTM)
Revenue	€23.64b
Cost of Revenue	€0
Gross Profit	€23.64b
Other Expenses	€13.52b
Earnings	€10.12b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

Nov 05, 2024

Earnings per share (EPS)	6.47
Gross Margin	100.00%
Net Profit Margin	42.81%
Debt/Equity Ratio	333.9%

How did UCG perform over the long term?

See historical performance and comparison

Dividends

4.7%

Current Dividend Yield

31%

Payout Ratio

UCG Stock Overview

Rewards

Risk Analysis

UniCredit S.p.A. Competitors

WSE:PKO

zł69.7b

WSE:SPL

zł47.4b

WSE:PEO

zł39.1b

WSE:ING

zł33.6b

Price History & Performance

Recent News & Updates

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

Recent updates

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 of €1.80 announced

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

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

Investor sentiment deteriorates as stock falls 17%

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

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 22% undervalued after recent price drop

Investor sentiment deteriorated over the past week

Investor sentiment improved 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

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