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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. In addition, the company offers transactional and risk management, structured finance, debt funding, equity funding, project finance, commodity trade finance, and trade and export finance services; group trade and correspondent banking services; and payments solutions. It serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. It has a strategic collaboration with Accenture plc and International Business Machines to establish a new technology operating model combining the resilience of mission-critical systems with the flexibility of cloud, data, and artificial intelligence. UniCredit S.p.A. was founded in 1870 and is headquartered in Milan, Italy.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 11514.69M | 12860.00M | 11451.00M | 7289.00M | 1235.00M |
| Minority interest | -64.00M | -55.00M | -27.00M | -15.00M | -30.00M |
| Net income | 10915.00M | 9719.00M | 9507.00M | 6458.00M | 1540.00M |
| Selling general administrative | 2378.00M | 2334.00M | 2309.00M | 1763.00M | 2485.00M |
| Selling and marketing expenses | 182.00M | 148.00M | 124.00M | 116.00M | 153.00M |
| Gross profit | 26972.89M | 26579.00M | 25360.00M | 21037.00M | 18596.00M |
| Reconciled depreciation | 1280.00M | 1062.00M | 1078.00M | 1235.00M | 1133.00M |
| Ebit | 11514.69M | 12860.00M | 11451.00M | 7277.00M | 1209.00M |
| Ebitda | 12055.48M | 14166.00M | 13076.00M | 8512.00M | 2455.00M |
| Depreciation and amortization | 540.80M | 1306.00M | 1625.00M | 1235.00M | 1246.00M |
| Operating income | 13563.92M | 12860.00M | 11451.00M | 7277.00M | 1209.00M |
| Other operating expenses | 28762.22M | 33886.00M | 33480.00M | 11733.00M | 11789.00M |
| Interest expense | 12805.20M | 20167.00M | 19571.00M | 5715.00M | 3612.00M |
| Tax provision | 2590.00M | 3085.00M | 1914.00M | 819.00M | -330.00M |
| Interest income | 26937.00M | 14358.00M | 14005.00M | 16339.00M | 9060.00M |
| Net interest income | 14127.00M | 14358.00M | 14005.00M | 10624.00M | 9060.00M |
| Income tax expense | 2590.03M | 3086.00M | 1917.00M | 819.00M | -331.00M |
| Total revenue | 40276.91M | 46746.00M | 44931.00M | 21037.00M | 18596.00M |
| Total operating expenses | 15458.21M | 13719.00M | 13909.00M | 11733.00M | 11789.00M |
| Cost of revenue | 13304.01M | 20167.00M | 19571.00M | - | - |
| Total other income expense net | -2049.23M | -1583.00M | -1408.00M | 12.00M | 26.00M |
| Discontinued operations | - | - | - | 3.00M | 4.00M |
| Net income from continuing ops | 10979.00M | 9775.00M | 9537.00M | 6470.00M | 1566.00M |
| Net income applicable to common shares | - | - | - | 6458.00M | 1510.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 869912.06M | 784004.00M | 784974.00M | 857773.00M | 916671.00M |
| Intangible assets | 2096.22M | 2191.00M | 2272.00M | 2350.00M | 2213.00M |
| Other current assets | -9091.00M | -18214.00M | 136256.00M | 1229.00M | 66083.00M |
| Total liab | 801828.57M | 721163.00M | 720731.00M | 794276.00M | 854578.00M |
| Total stockholder equity | 67685.64M | 62441.00M | 64079.00M | 63339.00M | 61628.00M |
| Other current liab | 521907.00M | 491960.00M | 547934.00M | -1484.00M | -1127.00M |
| Common stock | 21445.97M | 21368.00M | 21278.00M | 21220.00M | 21133.00M |
| Capital stock | 21454.00M | 52722.00M | 54572.00M | 21220.00M | 21133.00M |
| Retained earnings | 10915.00M | 9719.00M | 9507.00M | 6458.00M | 1540.00M |
| Other liab | - | - | - | 33259.00M | 15881.00M |
| Good will | 842.68M | 38.00M | 0.00M | 0.00M | 0.00M |
| Other assets | 757815.06M | 784004.00M | 494187.00M | 504865.00M | 511467.00M |
| Cash | 38440.60M | 54317.00M | 72341.00M | 133939.00M | 162267.00M |
| Total current liabilities | 523089.00M | 494814.00M | 497699.00M | 1484.00M | 1127.00M |
| Current deferred revenue | - | - | -52936.00M | - | - |
| Net debt | 136287.94M | 68407.00M | 50181.00M | -18477.00M | -36354.00M |
| Short term debt | - | - | 50483.00M | - | - |
| Short long term debt total | 174728.53M | 122724.00M | 122522.00M | 115462.00M | 125913.00M |
| Other stockholder equity | 35343.09M | 31354.00M | 33294.00M | 35661.00M | 38955.00M |
| Property plant equipment | - | - | - | 9164.00M | 7881.00M |
| Total current assets | 125808.86M | 41442.00M | 73637.00M | 140418.00M | 167978.00M |
| Long term investments | 296202.00M | 237850.00M | 218887.00M | 201861.00M | 242587.00M |
| Net tangible assets | - | - | - | 60989.00M | 59415.00M |
| Short term investments | 87368.26M | - | -111.00M | - | - |
| Net receivables | 9091.00M | 5339.00M | 1296.00M | 6479.00M | 5711.00M |
| Inventory | - | - | -136256.00M | - | 44.00M |
| Accounts payable | 1182.00M | 1146.00M | 1218.00M | 1484.00M | 1127.00M |
| Accumulated other comprehensive income | 44199.44M | - | 9534.00M | - | - |
| Non currrent assets other | 30462.59M | 484101.00M | 490052.00M | -212490.00M | -237226.00M |
| Non current assets total | 744103.20M | 742562.00M | 711337.00M | 212490.00M | 237226.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -1065.00M | -787.00M | -237.00M | 66.00M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -4019.00M | -1065.00M | -787.00M | - | -699.00M |
| Total cash from financing activities | -7957.00M | -10990.00M | -8453.00M | -5551.00M | -1408.00M |
| Change to operating activities | - | - | - | - | -18894.00M |
| Net income | 10910.91M | 9774.00M | 9507.00M | 6473.00M | 1570.00M |
| Change in cash | -2987.00M | -19558.00M | -50776.00M | 4369.00M | -9596.00M |
| Begin period cash flow | 41442.00M | 61000.00M | 111776.00M | 107407.00M | 117003.00M |
| End period cash flow | 38455.00M | 41442.00M | 61000.00M | 111776.00M | 107407.00M |
| Total cash from operating activities | 8525.00M | -7076.00M | -41128.00M | 10264.00M | -7521.00M |
| Depreciation | 1280.00M | 1306.00M | 1625.00M | - | 893.00M |
| Other cashflows from investing activities | 2929.40M | -39.00M | -183.00M | - | 150.00M |
| Dividends paid | 5005.12M | 4950.00M | 2440.00M | -1702.00M | -774.00M |
| Sale purchase of stock | -2932.90M | -6040.00M | -6013.00M | - | - |
| Other cashflows from financing activities | -23648.12M | -201.94M | -67455.55M | -3849.00M | -634.00M |
| Change to netincome | - | - | - | - | 4635.00M |
| Capital expenditures | 718.73M | 1740.00M | 1152.00M | 1170.00M | 1237.00M |
| Change in working capital | -7490.19M | -28174.00M | -45939.00M | 1484.00M | -14942.00M |
| Stock based compensation | - | - | 76.00M | - | - |
| Other non cash items | 5104.28M | 11324.00M | -6397.00M | 2307.00M | 5851.00M |
| Free cash flow | 10268.15M | -8816.00M | -42280.00M | 9094.00M | -8758.00M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| UNCFF UniCredit SpA |
-0.38 0.47% |
80.27 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
| DBSDY DBS Group Holdings Ltd ADR |
0.10 0.04% |
231.96 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.10 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.46 1.40% |
33.25 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| IITSF Intesa Sanpaolo S.p.A |
-0.25 3.63% |
6.63 | 12.14 | 10.32 | 5.17 | 1.69 | 7.20 |
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. In addition, the company offers transactional and risk management, structured finance, debt funding, equity funding, project finance, commodity trade finance, and trade and export finance services; group trade and correspondent banking services; and payments solutions. It serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. It has a strategic collaboration with Accenture plc and International Business Machines to establish a new technology operating model combining the resilience of mission-critical systems with the flexibility of cloud, data, and artificial intelligence. UniCredit S.p.A. was founded in 1870 and is headquartered in Milan, Italy.
| Name | Title | Year Born |
|---|---|---|
| Mr. Andrea Orcel | CEO, Head of Italy & Director | 1963 |
| Mr. Stefano Porro | Chief Financial Officer | 1975 |
| Mr. Bart Schlatmann | Group Chief Operating Officer | NA |
| Ms. Jingle Pang | Group Digital & Information Officer | NA |
| Ms. Magda Palczynska | Head of Group Investor Relations | NA |
| Mr. Gianpaolo Alessandro | Group Legal Officer & Sec. of the Board of Directors | NA |
| Ms. Serenella de Candia | Group Compliance Officer | NA |
| Ms. Siobhan McDonagh | Head of Group People & Culture | NA |
| Mr. Rodolfo Ortolani | Exec. VP & CEO of Cordusio Fiduciaria | NA |
| Dr. Mikhail Yuryevich Alekseev | Exec. VP | 1964 |
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