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UNI (UNI) Fair Value & Analysis

Financial Services · Market cap €7.3B

U UNI UNI · MC
Price€3.09
Fair Value€3.20
Upside+3.5%
Quality68/100
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Evidence: High Range €2.40 – €4.00

Fair value as of: Jun 26, 2026

From 25 valuation models · updated 6 days ago

Share price +12.9% over the past month.

Price vs Fair Value (12 months)

€3.09 €1.84 Fair Value €3.20 Jul 2025 Jul 2026

12‑month range €1.84 – €3.09 · fair‑value band €2.40 – €4.00 · the €3.09 price screens below the €3.20 fair value. As of Jun 26, 2026.

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Analysis

UNI (UNI) currently trades at €3.09, while our model-based Fair Value estimate is €3.20 — implying the stock looks roughly 3.5% undervalued today. We read business quality at 68/100 (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, UNI generated revenue of €2.0B at a net margin of 32.0%. Revenue grew 2.1% year over year. It earns a return on equity of 9.2%. Net debt stands at €7.6B. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) €2.0B
Revenue growth (YoY) +2.1%
Net margin 32.0%
Return on equity 9.2%
Free cash flow €167M FY2025
P/E ratio 11.8
More key figures
Operating margin 47.0%
EPS (TTM) €0.2400
EPS growth (YoY) +5.0%
Net debt €7.6B FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

UNI reported revenue of €2.6B in FY2025 versus €1.4B in FY2021, a compound +17.1%/yr. Reported net income was €632M in FY2025, compounding −13.2%/yr from FY2021.

Revenue +17.1%/yr
FY21 €1.4B
FY22 €1.9B
FY23 €3.0B
FY24 €3.3B
FY25 €2.6B
Net income −13.2%/yr
FY21 €1.1B
FY22 €278M
FY23 €267M
FY24 €573M
FY25 €632M

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6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

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PT Bank Mandiri (Persero) Tbk BMRI 4,220 IDR 8,440 IDR +100%

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Frequently asked questions

Is UNI (UNI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of €3.20 versus a price of €3.09 — about +3% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UNI?
Our model-based fair value for UNI is €3.20 (as of Jun 26, 2026), built from audited fundamentals. The current price is €3.09.
What is the quality score of UNI?
UNI has a Quality Score of 68/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of UNI (UNI)?
UNI reported trailing-twelve-month revenue of about €2.0B (latest available figure, as of Jun 26, 2026).
What is the net profit margin of UNI?
The net profit margin of UNI is about 32.0%, meaning it keeps roughly 32.0% of revenue as net income. Based on the latest reported figures.

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.