UniCredit S.p.A.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from UniCredit S.p.A.'s yearly results (2022–2025), compared with companies in Italy. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 3/3Sales grew in 2 of the last 3 years; profit grew in 3 of 3.
Growth Efficiency Ratio
€111Sales grew 19% in 3 years; of every extra €100 of sales, €111 became extra profit.
Asset Productivity Ratio
+19% / +1%In 3 years sales changed by +19% while total assets changed by +1%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every €100 the company owns, €100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Tangible Net Worth Ratio
96%Of every €100 of net worth, €96 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
UniCredit S.p.A. owes €0.92 for every €1 it owns. Net profit rose 12% in the year to Dec 2025, and grew 19% a year on average over 3 years.
Compared with companies in Italy · latest annual results Dec 2025.
P/E ratio
10.3Investors pay €10.3 for every €1 of UniCredit S.p.A.'s yearly profit.
P/B ratio
1.54The share price is 1.54 times UniCredit S.p.A.'s book value per share.
Market cap
€108.6 BThe total market value of all of UniCredit S.p.A.'s shares at today's price (share price × number of shares). PosiCap size class: Tito Cap.
Net worth (book value)
€70.4 BWhat UniCredit S.p.A. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
€46.70Net worth divided by the number of shares. The share price of €72.04 is 1.5 times this, which is the P/B above.
Return on equity (ROE)
15.8%UniCredit S.p.A. earned 15.8% on its shareholders' money over the last year.
Owes vs Owns
0.92×UniCredit S.p.A. owes €0.92 for every €1 it owns (high). Banks and lenders usually show higher figures.
Dividend yield
4.19%UniCredit S.p.A. pays 4.19% of its share price as dividends a year.
Revenue growth
-6%Revenue fell 6% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit growth
+12%Net profit rose 12% in the year to Dec 2025, and grew 19% a year on average over 3 years.
Profit margin
43.6%UniCredit S.p.A. keeps €44 of every €100 of revenue as net profit.
Questions
What is UniCredit S.p.A.'s P/E ratio?
Investors pay €10.3 for every €1 of UniCredit S.p.A.'s yearly profit.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For UniCredit S.p.A.: €108.6 B ÷ €70.4 B (30 Jun 2026) = 1.5.
What is UniCredit S.p.A.'s return on equity?
UniCredit S.p.A. earned 15.8% on its shareholders' money over the last year.
How much does UniCredit S.p.A. owe compared with what it owns?
UniCredit S.p.A. owes €0.92 for every €1 it owns (high). Banks and lenders usually show higher figures.
Does UniCredit S.p.A. pay a dividend?
Yes. UniCredit S.p.A. pays 4.19% of its share price as dividends a year.
Is UniCredit S.p.A.'s revenue growing?
Revenue fell 6% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.