UniCredit S.p.A.

UNCRY

Banks - Regional · Financial Services

Price

$48.68

-0.02 (-0.04%)

Market Cap

$145.87B

Exchange

Other OTC

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 9, 2026 · filings through Jun 30, 2026

Share count falling — buybacks

−28.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 4.47B (2021) → 3.20B (2025)

UniCredit is a large Italian bank that offers everyday financial services like checking accounts, loans, mortgages, and credit cards to regular people and businesses. It also provides investment banking, wealth management, and corporate finance services to larger companies. UniCredit is one of the biggest banks in Europe by total assets.

The bank makes money mainly through interest on loans, fees for financial services, and commissions on investment products. It operates across roughly 13 countries, with its strongest presence in Italy, Germany, Austria, and Central and Eastern Europe, giving it a broad geographic footprint that few European rivals can match. UniCredit has been returning large amounts of capital to shareholders through buybacks and dividends, but its main risk is exposure to slowing European economic growth and potential loan defaults if interest rates stay high and weigh on borrowers.

Winston Score History

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales YoY

-8.5%

Shrinking sales (-8.5% YoY)

EPS YoY

+8.0%

Modest earnings growth (+8.0% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

P/E Ratio (TTM)

13.8x

Attractive valuation — P/E 13.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+2.3

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

3.72%

Moderate income — 3.72% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+62.8%

Dividend growing fast (62.8% YoY)

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