UniCredit S.p.A. UCG.MI
Composite 59/100; the shares have moved about 33% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 24/100 — a strong mark against it.
Momentum ranks 80/100 — a strong point in its favour. Income ranks 80/100 — a strong point in its favour. Valuation ranks 76/100 — a strong point in its favour.
Growth ranks 24/100 — a strong mark against it.
What the company does UniCredit S.p.A. (UCG.MI) is a pan-European commercial bank offering retail, private, and wealth management services across Italy, Germany, Central and Eastern Europe. It provides corporate finance, trade finance, payments, and securities services to SMEs, corporates, financial institutions, and retail clients.
Key financials UniCredit reports ROE 15.8% and ROA 1.2%, with gross/operating/net margins of 0.0%/62.4%/43.8%. Revenue declined 7.8% while dividend yield is 3.9% at a 44.0% payout ratio. Forward P/E is 9.82x and P/B is 1.81x.
Stock health Momentum is mixed: +21.56% over 3m, +13.13% over 6m, +32.74% over 12m, but down 4.90% from its 52-week high. Sidera’s overall score is 53.1, with Valuation 69.5 and Momentum 71.1.
Price vs fair value The stock trades at a discount to both our fair-value estimate and analyst target: - Discount of 23.10% versus our fair-value estimate of 98.18 (Sidera) - Discount of 13.72% versus the 12-month target of 90.71 (analyst average of 16.0) - Recent deal talks with Commerzbank may be underappreciated (AFP) - Deutsche Bank traders’ revenue optimism highlights relative positioning (Bloomberg)
Looking forward Forward P/E of 9.82x and PEG of 0.60 suggest valuation support, but growth score is low at 14.1. Income pillar is strong at 88.1, supporting the 3.9% dividend yield.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.