Stocktoria
UniCredit S.p.A. UCG.MI
UniCredit S.p.A. statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (€83.70); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
UniCredit S.p.A. trades at about 12.4× earnings — above its 10-year norm (10-year range 5.4×–10.7×, median 7.7×).
Shaded band = 10-year range (5.4×–10.7×); dot = today's 12.4×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net margin | 43.6% | 36.6% | 37.5% | 30.7% |
| FCF margin | 29.0% | -33.2% | -166.7% | 43.2% |
| Return on assets | 1.3% | 1.2% | 1.2% | 0.8% |
| Return on equity | 16.1% | 15.6% | 14.8% | 10.2% |
Computed from company filings · IT · as of 2025-12-31. Figures in EUR. Facts plus Stocktoria's own computed scores — not investment advice.