Rankings Financial data & insurance broking UniCredit
UniCredit
95
15070100
A view of the same findings, not a new score. How it works
In the 70+ zone: a score above 70 with more than 20% upside to the median analyst target.
Biggest deductions
- Multiples vs own history−8
- The Commerzbank takeover−5
- Quality of growth−2
Strengths
- Dividend and buybacks+2
- Raised guidance+2
- Top-tier profitability+1
How the score is built
From 100 to 95, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 3 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 73.62 EUR
- Median analyst target
- 96.75 EUR
- Upside to median
- +31.4%
- Analysts
- 18
- Target range
- 78.00 – 113.00 EUR
- 52-week change
- +14%
- P/E (trailing)
- 10.5
- Forward P/E
- 9.4
- PEG
- 0.59
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 1 finding−2 of −30
- −2Quality of growthRevenue is EUR 24.8bn TTM vs 25.0bn in 2025 (−0.8%) and net result is flat (10.73 vs 10.71bn); H1 profit rose only 3% reported. EPS growth (6.91 → 7.04) comes mainly from buybacks.
Price
Today's multiples against the company's own history and its peers. · 1 finding−8 of −35
- −8Multiples vs own historyP/B 1.78 vs 0.41–1.61 in 2021–2025 (record) and trailing P/E 12.0 vs 4.0–10.3 in 2022–2025; dividend yield 3.8% vs 4.6–9.1%. The share price has risen from 10.82 to 84.28 EUR since 2022 (7.8x), while EPS has risen from 3.06 to 7.04 (+130%).
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 2 findings−7 of −35
- −5The Commerzbank takeoverUniCredit owns about 48% of Commerzbank and has scrapped a buyback of EUR 4.75bn to finance the control (the share fell 4.6%); CET1 is expected down towards about 13% after full consolidation, and on 10 Sep the board approved a capital increase for a voluntary offer for the rest. The German state (12%) and the employees have rejected direct negotiations and demand headquarters, listing and Mittelstand support.
- −2RussiaThe subsidiary bank in Russia is still in the group; Orcel says it will only be 'practically' out of the perimeter within the next year, and the Kremlin restricts the exit. Risk of write-down or sanctions cases.
Plus
Only documented strengths. · 3 findings+5 of +15
- +2Dividend and buybacksDividend 5.3bn + buybacks EUR 3.6bn (TTM) = 8.9bn, below net profit of 10.7bn; share count −3.15% over a year, dividend +31% and interim dividend of EUR 2.8bn. Going forward reduced by the scrapped buyback tranche.
- +2Raised guidanceRecord H1 with 6.37 bn EUR; 2026 expectation raised to 'clearly above' 11 bn (about 11.5 bn before integration costs), and the 2028 target is 'clearly above' 13 bn.
- +1Top-tier profitabilityRoTE 23.7%, cost/income 34% and credit costs of 17 bp in H1 2026; fee income +11% and costs −1%. Among the most efficient large banks in Europe.
Caveats
What the score does not capture, or where the data is weak.
Bank: EV, ROIC and FCF are not meaningful; valuation on P/B, P/TBV and P/E, and the payout is held against net profit. The Q2 result (EUR 2.9bn) includes one-off items from Commerzbank hedging and financing (adjusted 3.1bn), and guidance of about 11.5bn is before integration costs. The share count is −3.15% over a year, but +1.58% in the latest quarter. The share price may be affected by the Commerzbank case (capital increase for a voluntary offer approved 10 Sep). Exposure to Italian government bonds, bank tax and insider ownership (n/a) have not been investigated. Q3 results 21 Oct.
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