-0.83%
15.82%
9.27%
17.10%
63.66%
217.73%
267.96%
AI Spotlight on UCG
Company Description
UniCredit S.p.A. operates as a commercial bank that provides retail, corporate, and private banking services.It offers accounts and deposits, loans, cards, transactions and payments, funds, advisory, treasury, and insurance products, as well as digital and mobile banking services.The company also provides solutions for payments and liquidity, working capital, hedging, international trade, and treasury operations; and funding solutions comprising of structured, project, and commodity trade and export finance, as well as debt and equity funding; and structured investments and investments advisory solutions.
In addition, the company provides corporate finance, capital structure, and rating advisory, as well as patient capital, financial sponsor solutions, and sustainable finance solutions.It servs retail, corporate, and public sector customers, as well as international companies and institutional clients.The company operates in Italy, Other European countries, America, Asia, and internationally.
The company was formerly known as Unicredito Italiano S.p.A and changed its name to UniCredit S.p.A. UniCredit S.p.A. was founded in 1870 and is headquartered in Milan, Italy.
Market Data
| Last Price | 44.45 |
| Change Percentage | -0.83% |
| Open | 44.8 |
| Previous Close | 44.82 |
| Market Cap ( Millions) | 68961 |
| Volume | 3574223 |
| Year High | 45.01 |
| Year Low | 26.16 |
| M A 50 | 39.43 |
| M A 200 | 37.75 |
Financial Ratios
| FCF Yield | -17.60% |
| Dividend Yield | 6.14% |
| ROE | 16.35% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -582.20% |
| Price To Book | 1.1 |
| Price Earnings Ratio | 6.7 |
| Price To FCF | -5.68 |
| Price To sales | 2.8 |
| EV / EBITDA | 4.63 |
News
- Jan -30 - 3 Reliable Dividend Stocks Yielding Up To 5%
- Jan -29 - Commerzbank Spurns Big Deals Pitched to Help Keep Orcel Away
- Jan -24 - Commerzbank says no talks with UniCredit until specific proposal made
- Jan -23 - European Banks’ Upbeat Outlook Paves Way for IPOs, Stake Sales
- Jan -23 - Commerzbank Calls UniCredit Move ‘Hostile’ in Escalation
- Jan -22 - Commerzbank says UniCredit's approach is hostile and unilateral
- Jan -22 - Commerzbank says UniCredit's approach is hostile and unilateral
- Jan -22 - Commerzbank Calls UniCredit Move ‘Hostile’ in Escalation
- Jan -22 - Commerzbank Calls UniCredit Move ‘Hostile’ in Escalation
- Jan -22 - Unicredit chief hopes for clarity on Commerzbank plans by end 2025
- Jan -21 - Commerzbank Is Looking at ‘Bolt-On’ Deals, CEO Orlopp Says
- Jan -21 - Orcel Says He Can Drop Commerzbank Deal If There’s No Value
- Jan -21 - Orcel Says He Can Drop Commerzbank Deal If There’s No Value
- Jan -20 - Giorgia Meloni’s supremacy threatened by €10bn banking merger
- Jan -17 - UniCredit unveils $2.37bn financing initiative to support SMEs in CEE
- Jan -13 - Commerzbank chairman sees little chance of amicable UniCredit merger, report says
- Jan -13 - Analysis-European banks' record takings fuel M&A talk as pressures on industry persist
- Jan -11 - Italy Readying Review of UniCredit’s BPM Bid Under Golden Power
- Jan -08 - BPM Plans Risk Transfers Tied to €4.5 Billion in Loans While Trying to Fend Off UniCredit Bid
- Jan -03 - UniCredit Tapped Citigroup for Commerzbank Hedges Last Month
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Italy
Expected Growth : 1 %
What the company do ?
UniCredit S.p.A. is an Italian global banking and financial services company, headquartered in Milan, Italy, providing financial products and services to individuals, companies, and institutions.
Why we expect these perspectives ?
UniCredit S.p.A.'s 1% growth in Italy is driven by a stable economy, low unemployment, and a growing service sector. The bank's strong brand and extensive branch network also contribute to its growth. Additionally, the Italian government's efforts to stimulate economic growth through infrastructure investments and tax reforms support the bank's expansion.
Segment n°2 -> Germany
Expected Growth : 2 %
What the company do ?
Germany is a key market for UniCredit S.p.A., a leading European commercial bank, with a strong presence and extensive network across the country.
Why we expect these perspectives ?
Germany's 2% growth is driven by a strong labor market, with low unemployment and rising wages, boosting consumer spending. Investment in Industry 4.0 and renewable energy supports industrial production, while a competitive export sector benefits from a weak euro. Additionally, the government's fiscal stimulus and accommodative monetary policy provide a supportive environment for growth.
Segment n°3 -> Central Europe
Expected Growth : 3 %
What the company do ?
Central Europe from UniCredit S.p.A. refers to the region comprising Austria, Czech Republic, and Slovakia, where UniCredit operates its banking services.
Why we expect these perspectives ?
Central Europe's 3% growth, driven by UniCredit S.p.A., is fueled by a strong labor market, rising wages, and increasing consumer confidence. Additionally, investments in infrastructure, digitalization, and a favorable business environment contribute to the region's economic expansion.
Segment n°4 -> Eastern Europe
Expected Growth : 4 %
What the company do ?
Eastern Europe from UniCredit S.p.A. refers to the banking group's operations in Central and Eastern European countries, including Poland, Czech Republic, and Slovakia.
Why we expect these perspectives ?
In Eastern Europe, UniCredit S.p.A. achieves 4% growth driven by increasing consumer spending, fueled by rising wages and low unemployment. Additionally, investments in digitalization and cost-cutting measures enhance operational efficiency, while a favorable interest rate environment supports lending activities.
Segment n°5 -> Russia
Expected Growth : 5 %
What the company do ?
Russia from UniCredit S.p.A. refers to the Russian operations of UniCredit, an Italian global banking and financial services company, providing financial services to individuals, SMEs, and corporate clients.
Why we expect these perspectives ?
Russia's 5% growth is driven by rising oil prices, increasing government spending, and a rebound in consumer demand. Additionally, investments in infrastructure and manufacturing, as well as a favorable monetary policy, contribute to the country's economic expansion.
Segment n°6 -> Group Corporate Center
Expected Growth : 0 %
What the company do ?
The Group Corporate Center of UniCredit S.p.A. is the headquarters that oversees and coordinates the bank's global operations, strategy, and governance.
Why we expect these perspectives ?
The Group Corporate Center of UniCredit S.p.A. has 0% growth due to lack of revenue generation, high operating costs, and limited business activities. As a non-core unit, it doesn't contribute significantly to the group's profitability. Its main function is to provide support services to other business segments, resulting in minimal growth opportunities.
Unicredit S.P.A. Products
| Product Range | What is it ? |
|---|---|
| Corporate Lending | UniCredit provides corporate lending services to large and medium-sized enterprises, offering a range of financing solutions tailored to their specific needs. |
| Transaction Banking | UniCredit's transaction banking services provide cash management, trade finance, and securities services to corporate clients, enabling efficient management of their financial flows. |
| Markets and Investment Banking | UniCredit's markets and investment banking division provides a range of services, including equity and debt capital markets, mergers and acquisitions, and leveraged finance. |
| Retail Banking | UniCredit's retail banking services provide personal banking, credit cards, and loan products to individual customers, as well as wealth management and insurance services. |
| Private Banking | UniCredit's private banking services offer tailored wealth management solutions, investment advice, and portfolio management to high net worth individuals. |
| Leasing and Factoring | UniCredit's leasing and factoring services provide financing solutions for businesses, including equipment leasing, vehicle leasing, and invoice financing. |
UniCredit S.p.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for UniCredit S.p.A. is medium due to the presence of alternative financial institutions and digital payment systems. However, the company's strong brand recognition and extensive network of branches and ATMs mitigate this threat to some extent.
Bargaining Power Of Customers
The bargaining power of customers is low for UniCredit S.p.A. due to the lack of negotiating power of individual customers. The company's large customer base and diversified product offerings also reduce the bargaining power of customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium for UniCredit S.p.A. due to the presence of a few large suppliers of technology and services. However, the company's scale and diversification of suppliers reduce the bargaining power of individual suppliers.
Threat Of New Entrants
The threat of new entrants is low for UniCredit S.p.A. due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements. The company's strong brand recognition and extensive network of branches and ATMs also make it difficult for new entrants to gain market share.
Intensity Of Rivalry
The intensity of rivalry is high for UniCredit S.p.A. due to the presence of several large and established competitors in the European banking industry. The company faces intense competition in terms of pricing, product offerings, and customer service.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 68.65% |
| Debt Cost | 3.95% |
| Equity Weight | 31.35% |
| Equity Cost | 11.40% |
| WACC | 6.28% |
| Leverage | 218.99% |
UniCredit S.p.A. : Quality Control
UniCredit S.p.A. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| DANSKE.CO | Danske Bank A/S provides various banking products and services to corporate, institutional, and international clients. The company offers insurance and pension products, mortgage finance and real-estate brokerage services, asset management … |
| DBK.DE | Deutsche Bank Aktiengesellschaft provides investment, financial, and related products and services to private individuals, corporate entities, and institutional clients worldwide. Its Corporate Bank segment provides cash management, trade finance and … |
| SEB-A.ST | Skandinaviska Enskilda Banken AB (publ) provides corporate, retail, investment, and private banking services. It operates through Large Corporates & Financial Institutions, Corporate & Private Customers, Baltic, Life, and Investment Management … |
| KBC.BR | KBC Group NV, together with its subsidiaries, provides integrated bank-insurance services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients. The company offers demand deposits and … |
| LLOY.L | Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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KBC
A-Score
1-Year Total Return ->
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UniCredit
A-Score
1-Year Total Return ->
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Lloyds Banking
A-Score
1-Year Total Return ->
4
SEB
A-Score
1-Year Total Return ->
5
Danske Bank
A-Score
1-Year Total Return ->
6
