UniCredit SpA stock analysis
UniCredit SpA (CRIN) Stock Price & Analysis
CRIN Stock Chart & Stats
- Day’s Range
- EUR 82.87 - EUR 84.72
- 52-Week Range
- EUR 57.66 - EUR 86.42
- Previous Close
- EUR 84.35
- Volume
- N/A
- Average Volume (3M)
- 6,200
- Market Cap
- EUR 125.99B
- Enterprise Value
- EUR 302.19B
- Total Cash (Recent Filing)
- EUR 45.86B
- Total Debt (Recent Filing)
- EUR 161.84B
- Price to Earnings (P/E)
- 11.2
- Beta
- 1.21
- Next Earnings
- Feb 10, 2027 (Est.)
- EPS Estimate
- 1.54
- Next Dividend Ex-Date
- Nov 23, 2026
- Dividend Yield
- 3.72%
Bulls Say, Bears Say
Bulls Say
Strong Profitability Growth
Sustained profit growth and a high return on tangible equity indicate that UniCredit is converting its European banking franchise into strong earnings. The combination of rising profit, improved returns and management’s raised outlook supports durable earnings capacity over the next several quarters.
Best-in-Class Efficiency
A structurally low cost-income ratio gives UniCredit operating leverage and helps protect profitability when revenue growth moderates. Efficiency gains achieved while funding technology, transformation and growth initiatives suggest the improvement is embedded in the operating model rather than purely cyclical.
Strong Asset Quality And Capital
Low credit losses, declining non-performing exposure and a strong CET1 ratio provide resilience across the lending cycle. This balance-sheet position supports continued loan growth and capital generation while giving UniCredit capacity to absorb moderate deterioration in credit conditions.
Bears Say
Revenue Volatility
The sharp 2025 revenue decline raises questions about how durable the recent earnings step-up will be, even though profitability improved. Dependence on favorable income mix and margins can make future results less predictable if core revenue growth weakens or interest-related income normalizes.
Higher Leverage
The renewed increase in debt-to-equity points to a less favorable leverage direction and reduces financial flexibility relative to the preceding years. Higher leverage can make funding costs and capital management more important, particularly if earnings or asset quality weaken during the outlook period.
Commerzbank Integration Costs
The Commerzbank transaction introduces substantial near-term charges, investment needs and execution complexity before its promised benefits are realized. These costs can weigh on reported earnings and distributions, while integration outcomes will determine whether the anticipated value creation becomes durable.
UniCredit SpA News
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Company Description
UniCredit SpA
UniCredit S.p.A. is a prominent commercial banking institution offering a comprehensive range of financial services across the retail, corporate, and private banking sectors. Its extensive product portfolio includes deposit accounts, lending products, various card services, and convenient transaction and payment solutions. The bank also provides investment funds, advisory services, treasury management, and insurance offerings, complemented by robust digital and mobile banking platforms. For businesses, UniCredit delivers specialized solutions covering payments, liquidity management, working capital optimization, hedging strategies, international trade facilitation, and treasury operations. Furthermore, it offers diverse funding options such as structured finance, project finance, commodity trade and export finance, alongside debt and equity funding. Clients can also benefit from structured investment opportunities and expert investment advisory. The company extends its expertise to corporate finance, capital structure consultation, and rating advisory, in addition to providing patient capital, financial sponsor solutions, and sustainable finance initiatives. Serving a broad client base encompassing individual consumers, corporate entities, public sector organizations, international businesses, and institutional investors, UniCredit maintains a significant presence across Italy, various other European nations, the Americas, Asia, and globally. Established in 1870 and headquartered in Milan, Italy, the bank was previously known as Unicredito Italiano S.p.A.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Andrea Orcel
- Employees
- 66,180
- Website
- www.unicreditgroup.eu
- Address
- Tower A, Milan, MI, 20154, IT
UniCredit SpA (CRIN) Earnings & Revenues
CRIN Company Deck
CRIN Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. UniCredit reported record quarterly and nine-month results, substantial revenue and profit growth, improving efficiency, strong asset quality, significant capital generation and higher shareholder distributions. Management also raised 2026 profit guidance and described Commerzbank as an additional value-creation opportunity. The main cautions were that NII growth is not expected to reach double digits, Germany's profit before tax was flat due to integration charges, and future results will include Commerzbank-related provisions, investments and execution risks.
View all DE:CRIN earnings summariesCRIN Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 4 |
| Technical Analysis | 3 | 2 | 4 |
| Moving Averages | 12 | 0 | 0 |
