UniCredit SpA
MIL:UCG

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UniCredit SpA
MIL:UCG
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Price: 41.705 EUR 2.62% Market Closed
Market Cap: 68.3B EUR
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Intrinsic Value

The intrinsic value of one UCG stock under the Base Case scenario is 63.681 EUR. Compared to the current market price of 41.705 EUR, UniCredit SpA is Undervalued by 35%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

UCG Intrinsic Value
63.681 EUR
Undervaluation 35%
Intrinsic Value
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UniCredit SpA

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Business Breakdown

UniCredit SpA stands as a prominent player in the European banking landscape, tracing its roots back to Italy in the early 1990s. With a steadfast commitment to customer-centric banking, UniCredit has evolved into a pan-European financial institution, boasting a robust presence in key markets across Italy, Germany, Austria, and Central and Eastern Europe. Its diverse range of services spans retail banking, corporate banking, investment solutions, and asset management, positioning UniCredit as a versatile partner for both individual and organizational clients. The bank's strategic focus on digital transformation and sustainable finance underscores its proactive approach to evolving market dem...

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
UniCredit SpA

Net Loans 480B
Investments 220.4B
PP&E 9B
Intangibles 2.2B
Other Assets 87.4B
Total Deposits 485.8B
Short Term Debt 70.1B
Long Term Debt 133.2B
Other Liabilities 47.8B
Earnings Calls

UniCredit has reported record results, achieving a 5x increase in net profit since 2021, with a 31% rise in EPS this quarter. The bank's net interest income (NII) remained stable, while fee income surged by 7.2% over nine months. Cost efficiencies led to a record cost-to-income ratio of 36.6%. Looking ahead, UniCredit upgraded its 2024 net profit guidance to EUR 10 billion, around EUR 500 million higher than 2023. The bank aims for a return on tangible equity of circa 17% and plans to increase dividend payments from 40% to 50% of net profit, reflecting its confidence in sustainable financial performance.

What is Earnings Call?

Wall St
Price Targets

UCG Price Targets Summary
UniCredit SpA

Wall Street analysts forecast UCG stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for UCG is 46.861 EUR with a low forecast of 39.39 EUR and a high forecast of 56.7 EUR.

Lowest
Price Target
39.39 EUR
6% Downside
Average
Price Target
46.861 EUR
12% Upside
Highest
Price Target
56.7 EUR
36% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
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Previous Payment
-
Today
Next Payment
-
Today
Nov 14, 2024
Previous Payment
-
Next Payment
-
Ex-Dividend Date
-
Shareholder Yield

Current shareholder yield for UCG is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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UniCredit SpA Logo
UniCredit SpA

Country

Italy

Industry

Banking

Market Cap

68B EUR

Dividend Yield

4.32%

Description

UniCredit SpA engages in the provision of banking and financial solutions. The company is headquartered in Milan, Milano and currently employs 78,571 full-time employees. The company went IPO on 2005-11-01. Its division model is based on seven business lines: Commercial Banking Italy, Central and Eastern Europe (CEE), Corporate and Investment Banking (CIB), Commercial Banking Germany, Commercial Banking Austria and Fineco. UniCredit SpA offers banking and financial services for families, individuals and corporate clients, such as accounts, loans, mortgages, investments, wealth management, as well as financial advice and insurance products, among others. Through numerous subsidiaries, the Company operates in the domestic market, Germany, Austria and CEE.

Contact

MILANO
Milan
Piazza Gae Aulenti 3 - Tower A
www.unicreditgroup.eu

IPO

2005-11-01

Employees

78 571

Officers

Chair of HypoVereinsbank-UniCredit Bank GmbH & UniCredit Foundation, Grp. CEO, Head Of Italy & Dir.
Mr. Andrea Orcel
Chief Financial Officer
Mr. Stefano Porro
Group Chief Operating Officer
Mr. Gianfranco Bisagni
Group Information & Digital Officer
Mr. Ali Khan
Head of Group Investor Relations
Ms. Magda Palczynska
Group Compliance Officer
Ms. Serenella de Candia
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Head of Group Legal - ad Interim
Ms. Rita Izzo
Head of Group People & Culture
Ms. Siobhan McDonagh
Executive Vice President
Dr. Mikhail Yuryevich Alekseev
Executive VP and Head of Audit & Corporate Bodies Support & QAR
Mr. JĂĽrgen Dennert
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See Also

Discover More
What is the Intrinsic Value of one UCG stock?

The intrinsic value of one UCG stock under the Base Case scenario is 63.681 EUR.

Is UCG stock undervalued or overvalued?

Compared to the current market price of 41.705 EUR, UniCredit SpA is Undervalued by 35%.

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