Obermatt

UniCredit

MIL:UCG · IT0005239360
BanksMedium

360

90
Profit price86
Cash yield63
Price/Sales43
EV / Gross Profit50
Price/Book53
Returns on capital
Profit margins

Cash truth not applicable for financial companies.

Sales growth61
Profit Growth96
Long-Term EPS Growth46
Reinvestment44
Price momentum42
Debt load52
Debt serviceability63
Liquidity44
Analyst ratings53
Opinion Changes50
Price Target Upside79
Market mood81
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

UniCredit generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryItaly
IndustryBanks
SizeMedium
TypePublic Company
ExchangeBIT
Employees22,896
ISINIT0005239360
Last UpdateApr 2, 2026
Themes
Utility Scale SolarBankingFinanceFinancial Services

Description

UniCredit S.p.A. (UniCredit) provides a wide range of banking products and services to a diversified client base. UniCredit offers financial support for digital investment, personalized assistance and education on financing tools through its Banking…

Analysis

Hidden champion

UniCredit S.p.A. is what we call a hidden champion: a strong business that the market is not pricing as one.

Valuation data is not available for this company.

The trajectory is moderate and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
78
2023202420252026

All-time high

91

Aug 2023

All-time low

42

Mar 2026

Average rank

74

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
43
49
56
70
Price/Earnings
80
82
81
88
Price/Book
53
48
64
83
Dividend Yield
63
69
56
71
Value (overall)
56
67
59
76

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →