UniCredit S.p.A (UCG) Fair Value & Analysis
Financial Services · PL · Market cap 525B PLN
Fair value as of: Jul 18, 2026
From 22 valuation models · updated 6 days ago
Fair value updated Jul 18, 2026, revised from 94.71 PLN to 410.53 PLN (+333.5%) since Jun 26, 2026. Share price +3.6% over the past month.
Price vs Fair Value (12 months)
12‑month range 232.83 PLN – 359.55 PLN · fair‑value band 307.90 PLN – 513.16 PLN · the 352.80 PLN price screens below the 410.53 PLN fair value. As of Jul 18, 2026.
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UniCredit S.p.A (UCG) currently trades at 352.80 PLN, while our model-based Fair Value estimate is 410.53 PLN, implying the stock looks roughly 16.4% undervalued today. We read business quality at 65/100 (solid 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 PLN 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 75.4B PLN. Fundamentals as of Jul 18, 2026
Our scenario range runs from 307.90 PLN (bear case) to 513.16 PLN (bull case); at 352.80 PLN, the current price sits within that range. The share trades near its 52-week high and 57% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 31% fair-value upside, at 16%, UCG screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 18, 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 25.0B PLN in FY2025 versus 22.3B PLN in FY2021, a compound +3.0%/yr. Reported net income was 10.9B PLN in FY2025, compounding +51.1%/yr from FY2021.
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| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 178.10 CLP | 92.69 CLP | -48% |
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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.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.