Logo
  • Home
  • AI Agent
  • Annotations
  • Watchlists
  • Files
  • Pricing and plans
  • BlogAboutContact us
    APIMCP
    Terms of servicePrivacy policy
  • Get the full experience

    We save the real magic for signed-in users.

UniCredit S.p.A. American Depositary Receipt(UNCRY US)

$40.20-0.060.15%Ext:$40.19-0.010.03%(Market Closed · 20:00:00 UTC)

Overview

ProfileEntity Structure

Financials & Metrics

FinancialsChartingShort InterestEmployees
Logo
UNCRY US​

UniCredit S.p.A. American Depositary Receipt — Company Profile

UniCredit S.p.A., a commercial banking institution, was founded in 1870 as Unicredito Italiano S.p.A. and maintains its headquarters in Milan, Italy. The bank offers a comprehensive suite of financial services encompassing retail, corporate, and private banking. Its product range includes core banking provisions like accounts, deposits, loans, payment cards, transaction and payment processing, and investment funds. Additionally, UniCredit provides advisory, treasury, and insurance products, alongside cutting-edge digital and mobile banking solutions. For businesses and institutions, the company delivers specialized solutions for managing payments and liquidity, optimizing working capital, hedging financial risks, and facilitating international trade and treasury operations. It also offers diverse funding options, such as structured finance, project finance, commodity trade and export finance, and both debt and equity funding. Further services extend to corporate finance, capital structure and rating advisory, patient capital, financial sponsor solutions, and sustainable finance initiatives. UniCredit caters to a broad clientele, including individual consumers, corporations, public sector entities, international companies, and institutional investors. The bank boasts a significant international footprint, operating not only in Italy but also across other European nations, the Americas, Asia, and various other global markets.

Sector
Financials
Industry
Capital Markets
Exchange
UU
CEO
Andrea Orcel
Headquarters
Milan, MI, IT
IPO Date
Nov 21, 2018
Employees
73,091
Website
www.unicreditgroup.eu

Key Metrics

Price
$44.48
Market Cap
$133.29B
Revenue (TTM)
$7.05B
Net Income (TTM)
$3.32B
EPS (TTM)
1.11
P/E (TTM)
11.55
P/B (TTM)
1.95
Dividend Yield
4.71%
ROE (TTM)
15.48%
ROA (TTM)
1.21%
Operating Margin
37.70%
Beta
1.05

Dividends

Last Dividend
$1.01
Last Yield
0.05%

Summary

UniCredit S.p.A., a commercial banking institution, was founded in 1870 as Unicredito Italiano S.p.A. and maintains its headquarters in Milan, Italy. The bank offers a comprehensive suite of financial services encompassing retail, corporate, and private banking. Its product range includes core banking provisions like accounts, deposits, loans, payment cards, transaction and payment processing, and investment funds. Additionally, UniCredit provides advisory, treasury, and insurance products, alongside cutting-edge digital and mobile banking solutions. For businesses and institutions, the company delivers specialized solutions for managing payments and liquidity, optimizing working capital, hedging financial risks, and facilitating international trade and treasury operations. It also offers diverse funding options, such as structured finance, project finance, commodity trade and export finance, and both debt and equity funding. Further services extend to corporate finance, capital structure and rating advisory, patient capital, financial sponsor solutions, and sustainable finance initiatives. UniCredit caters to a broad clientele, including individual consumers, corporations, public sector entities, international companies, and institutional investors. The bank boasts a significant international footprint, operating not only in Italy but also across other European nations, the Americas, Asia, and various other global markets.

Website
www.unicreditgroup.eu
Location
Milan, MI, IT
Phone39 02 88 621
Employees73,091
CEOAndrea Orcel
Sector
Financials
Industry
Capital Markets
IPO DateNov 21, 2018

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.

Latest Documents

News

  • Our Top 10 High Growth Dividend Stocks - October 202608:20AM
  • Italy's UniCredit wins ECB approval to control Germany's Commerzbank15 Oct
  • UniCredit S.p.A. Unsponsored ADR (OTCMKTS:UNCRY) Stock Short Interest Climbs 119.2%13 Oct
  • EU antitrust regulators to decide on UniCredit's Commerzbank deal by November 169 Oct
  • Putin grants approval for UniCredit Russia unit's reorganisation and sale5 Oct
  • Berlin expects UniCredit commitments on Commerzbank, sources say29 Sep
  • UniCredit's Andrea Orcel moves to seize control of Commerzbank within months, FT reports29 Sep
  • Shares in Banco BPM rise on report of joint Credit Agricole-UniCredit interest25 Sep
  • Credit Agricole, UniCredit have floated potential joint move on Banco BPM, sources24 Sep
  • Commerzbank could buy UniCredit's HVB as part of bank tie-up, CEO says24 Sep
  • Our Top 10 High Growth Dividend Stocks - September 202619 Sep
  • UniCredit: Stronger Earnings Quality And Commerzbank Optionality Support The Buy Case18 Sep
  • UniCredit S.p.A. Unsponsored ADR (UNCRY) is a Great Momentum Stock: Should You Buy?15 Sep
  • UniCredit wants Commerzbank CEO and chair to leave their roles15 Sep
  • German finance minister lays out demands to UniCredit CEO on possible Commerzbank takeover14 Sep
  • Germany pushes for Commerzbank stock listing as UniCredit aims for deal, sources say11 Sep
  • UniCredit gets ECB approval to use Danish Compromise on insurance holdings8 Sep
  • Germany warming to UniCredit on Commerzbank seen bolstering way for European bank deals4 Sep
  • EXCLUSIVE German finance minister invites UniCredit's CEO to meeting, government sources say26 Aug
  • Commerzbank chair calls for review of German takeover rules after UniCredit bid23 Aug

Key Stats

Trading

Px/Chg 1D$44.48 / -0.94%
Avg Volume398.62K
Beta1.05
Mkt Cap133.29B
FD Mkt Cap146.92B

Float

Shrs Out/Float3.00B / 1.49B
Short Float0.00%
Days to Cover1.00
Stock Repurchased$2.82B

Current Valuation

EV245.64B
EV/EBITDA17.27
EV/Sales10.20
P/B1.95
P/S5.53
FCF Yield7.40%
ROE15.48%
ROA1.21%
Current Ratio2.01

Dividend

Cash$1.01
Yield4.71%
Yield (TTM)4.71%

Estimates

P/E11.55
Est P/EN/A
Est EPSN/A
Est PEGN/A

Valuation

Metric5Yr AvgMar '23Mar '24Mar '25Mar '26Oct '26
PRICE-BASED RATIOS
Price / Earnings23.876.136.8210.0456.1840.17
Price / Sales11.142.191.442.0931.0518.91
Price / Book Value1.400.621.011.561.841.95
Price / Free Cash Flow3.584.35-1.53-11.0712.6513.51
ENTERPRISE VALUE METRICS
Enterprise Value161,922.720,945.8115,143.1166,369.5261,514.4245,640.8
Enterprise Value / Sales21.441.162.563.5665.0534.85
Enterprise Value / EBITDA45.172.448.8111.74144.1058.79
Enterprise Value / EBIT45.752.8710.0612.94144.1058.79

Financials

Full Financials
Millions EUR5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue14.2%22,286.018,069.044,931.046,746.037,849.0
Gross Income7.6%18,674.021,037.025,360.026,579.025,039.0
EBITDA37.2%3,269.08,592.013,076.014,166.011,584.0
EBIT57.9%1,779.07,289.011,451.012,860.011,064.4
Net Income49.5%2,096.06,458.09,507.09,719.010,484.2
EPS (Diluted)63.8%0.461.532.522.873.31
BALANCE SHEET
Cash & ST Inv-6.2%162,502.0134,240.072,341.0115,167.0125,802.4
Total Assets-1.3%917,227.0857,773.0784,974.0784,004.0869,867.6
Total Liabilities-1.4%854,577.0794,276.0720,731.0721,163.0806,737.5
Total Shareholder Equity2.2%62,185.063,339.064,079.062,441.067,711.0
CASH FLOW
Net Operating Cash Flow—-7,521.010,264.0-41,128.0-7,076.010,557.2
Cap Ex-13.6%-1,237.0-1,170.0-1,152.0-1,740.0-690.6
Free Cash Flow—-8,758.09,094.0-42,280.0-8,816.09,866.6

Enterprise Value Bridge

Millions EUR23 Oct '26
Price (As of 23 Oct '26)40.17
Basic Shares2,996.55
Market Cap120,370.7
Diluted Shares3,015.83
Fully Diluted Shares Outstanding3,015.83
Fully Diluted Market Cap121,145.0
+Consolidated Debt160,200.9
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-48,230.2
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest383.4
+Pension Liabilities—
Enterprise Value232,724.8

Related companies

Morgan Stanley

MS US

China Merchants Bank Co., Ltd.

CIHHF US

Dbs Group Holdings Ltd /FI

DBSDY US

Schwab Charles Corp

SCHW US

Investor Ab

IVSXF US

KBC Group N.V.

KBCSY US

Robinhood Markets, Inc.

HOOD US

Al Rajhi Banking and Investment Corporation

RJHI AB

Erste Group Bank AG/ADR

EBKDY US

Bank of New York Mellon Corp

0HLQ LN

Blackstone Inc.

BX US

BROOKFIELD Corp /ON/

BN US