UniCredit S.p.A (CRIN) Fair Value & Analysis
Financial Services · DE · Market cap €111B
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Share price +3.4% over the past month.
Price vs Fair Value (12 months)
12‑month range €54.41 – €82.37 · fair‑value band €71.03 – €118.38 · the €78.24 price screens below the €94.71 fair value. As of Jun 26, 2026.
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UniCredit S.p.A (CRIN) currently trades at €78.24, while our model-based Fair Value estimate is €94.71 — implying the stock looks roughly 21.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, UniCredit S.p.A generated revenue of €25.5B at a net margin of 44.6%. Revenue grew 6.4% year over year. It earns a return on equity of 17.0%. Net debt stands at €164B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. The company offers retail, private, and wealth management solutions; and institutional investor solutions. It also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and sustainable finance solutions, as well as securities services. In addition, the company offers transactional and risk management, structured finance, debt funding, equity funding, project finance, commodity trade finance, and trade and export finance services; group trade and correspondent banking services; and payments solutions. It serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. UniCredit S.p.A. was founded in 1870 and is headquartered in Milan, Italy.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
UniCredit S.p.A reported revenue of €40.3B in FY2025 versus €14.3B in FY2021, a compound +29.6%/yr. Reported net income was €10.9B in FY2025, compounding +51.1%/yr from FY2021.
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.