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BIT/UCG (BIT/UCG)

Borsa Italiana: BIT/UCG · EUR

€74.6

+0.22 (+0.3%)· Recorded snapshot

Market cap	111.7B
Revenue (ttm)	24.8B
Net income (ttm)	10.7B
EPS (ttm)	€7.04
Shares out	1.5B
P/E (trailing)	10.6x
P/E (forward)	9.4x
Dividend	€3.15 (4.22%)
Volume	2,368,384
Beta	1.09

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	EUR
Country	Italy
Country code	IT
Earnings date	2026-11-08
Employees	66,180
Employees change	-5,930
Employees growth	-8.22%
Exchange	Borsa Italiana
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1870
Industry	Banks - Regional
Is primary listing	Yes
ISIN number	IT0005239360
Last earnings date	2026-07-22
Last refreshed	2026-10-28
Last stock split date	2017-01-23
Last stock split type	Reverse
Market cap	EUR 111.7B
Next earnings date	2026-11-08
Price	EUR 74.56
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	bit/UCG
Website	https://www.unicreditgroup.eu

Metric

Value

Amount currency

EUR

Country

Italy

Country code

Earnings date

2026-11-08

Employees

66,180

Employees change

-5,930

Employees growth

-8.22%

Exchange

Borsa Italiana

Financial currency

EUR

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1870

Industry

Banks - Regional

Is primary listing

Yes

ISIN number

IT0005239360

Last earnings date

2026-07-22

Last refreshed

2026-10-28

Last stock split date

2017-01-23

Last stock split type

Reverse

Market cap

EUR 111.7B

Next earnings date

2026-11-08

Price

EUR 74.56

Price currency

EUR

Sector

Financials

SIC code

6020

Stock price date

2026-10-28

Symbol

bit/UCG

Website

https://www.unicreditgroup.eu

Metric	Value
Adjusted P/E ratio	11.19x
Average P/E ratio (10Y)	8.44x
Average P/E ratio (3Y)	7.37x
Average P/E ratio (5Y)	8x
Earnings yield	9.44%
FCF yield	15.31%
Forward P/E	9.42x
Graham number	86.2819
Graham upside	15.71%
Industry forward P/E	10.58x
Industry P/E	11.38x
Lynch fair value	EUR 175.99
Lynch upside	136.01%
P/B ratio	1.57x
P/E ratio	10.59x
P/FCF ratio	6.53x
P/OCF ratio	6.28x
P/S ratio	4.48x
PEG ratio	0.59x
Price / tangible book value	1.65x
Sector forward P/E	10.82x
Sector P/E	11.69x

Metric

Value

Adjusted P/E ratio

11.19x

Average P/E ratio (10Y)

8.44x

Average P/E ratio (3Y)

7.37x

Average P/E ratio (5Y)

Earnings yield

9.44%

FCF yield

15.31%

Forward P/E

9.42x

Graham number

86.2819

Graham upside

15.71%

Industry forward P/E

10.58x

Industry P/E

11.38x

Lynch fair value

EUR 175.99

Lynch upside

136.01%

P/B ratio

1.57x

P/E ratio

10.59x

P/FCF ratio

6.53x

P/OCF ratio

6.28x

P/S ratio

4.48x

PEG ratio

0.59x

Price / tangible book value

1.65x

Sector forward P/E

10.82x

Sector P/E

11.69x

Metric	Value
Effective tax rate	18.78%
FCF margin	68.63%
Operating margin	62.95%
Pretax margin	54.44%
Profit margin	43.97%
Profit per employee	EUR 162,118
Profitable quarters	18
Profitable years	5
Revenue per employee	EUR 375,385
ROA	1.23%
ROA (5Y)	0.94%
ROE	15.78%
ROE (5Y)	12.16%
Tax / revenue	10.22%

Metric

Value

Effective tax rate

18.78%

FCF margin

68.63%

Operating margin

62.95%

Pretax margin

54.44%

Profit margin

43.97%

Profit per employee

EUR 162,118

Profitable quarters

Profitable years

Revenue per employee

EUR 375,385

ROA

1.23%

ROA (5Y)

0.94%

ROE

15.78%

ROE (5Y)

12.16%

Tax / revenue

10.22%

Metric	Value
EPS growth	8.18%
EPS growth (Q)	-10.47%
EPS growth (QoQ)	-14.12%
EPS growth 10Y	8.07%
EPS growth 3Y	17.62%
EPS growth 5Y	63.14%
EPS growth years	5
FCF growth 5Y	-30.66%
Net income growth	3.08%
Net income growth (Q)	-13.13%
Net income growth (QoQ)	-12.74%
Net income growth 3Y	8.19%
Net income growth 5Y	51.13%
Net income growth years	5
OCF growth 5Y	-30.23%
Revenue growth	0.76%
Revenue growth (Q)	-9.19%
Revenue growth (QoQ)	-10.89%
Revenue growth 10Y	6.05%
Revenue growth 3Y	5.33%
Revenue growth 5Y	11.38%
Revenue growth years	0

Metric

Value

EPS growth

8.18%

EPS growth (Q)

-10.47%

EPS growth (QoQ)

-14.12%

EPS growth 10Y

8.07%

EPS growth 3Y

17.62%

EPS growth 5Y

63.14%

EPS growth years

FCF growth 5Y

-30.66%

Net income growth

3.08%

Net income growth (Q)

-13.13%

Net income growth (QoQ)

-12.74%

Net income growth 3Y

8.19%

Net income growth 5Y

51.13%

Net income growth years

OCF growth 5Y

-30.23%

Revenue growth

0.76%

Revenue growth (Q)

-9.19%

Revenue growth (QoQ)

-10.89%

Revenue growth 10Y

6.05%

Revenue growth 3Y

5.33%

Revenue growth 5Y

11.38%

Revenue growth years

Metric	Value
Capital expenditures	EUR -681M
EPS	EUR 7.04
FCF per share	EUR 11.38
Financing cash flow	EUR -8.9B
Free cash flow	EUR 17.1B
Gross profit	EUR 24.8B
Income taxes	EUR 2.5B
Investing cash flow	EUR -5B
Net cash flow	EUR 4.1B
Net income	EUR 10.7B
Operating income	EUR 15.6B
Revenue	EUR 24.8B

Metric

Value

Capital expenditures

EUR -681M

EPS

EUR 7.04

FCF per share

EUR 11.38

Financing cash flow

EUR -8.9B

Free cash flow

EUR 17.1B

Gross profit

EUR 24.8B

Income taxes

EUR 2.5B

Investing cash flow

EUR -5B

Net cash flow

EUR 4.1B

Net income

EUR 10.7B

Operating income

EUR 15.6B

Revenue

EUR 24.8B

Metric	Value
Book value per share	EUR 47.00
Debt / equity	3.5
Debt / FCF	14.53
Goodwill	EUR 840M
Net cash (debt)	EUR -54.8B
Net cash / market cap	-49.21%
Net debt / equity	0.77
Net debt / FCF	3.22
Piotroski F-Score	4
Property, plant and equipment	EUR 8.6B
Shareholders' equity	EUR 70.8B
Tangible book value	EUR 67.5B
Tangible book value per share	EUR 45.05
Total assets	EUR 932.1B
Total cash	EUR 193B
Total debt	EUR 247.8B
Total liabilities	EUR 861.3B
WACC	3.18%

Metric

Value

Book value per share

EUR 47.00

Debt / equity

3.5

Debt / FCF

14.53

Goodwill

EUR 840M

Net cash (debt)

EUR -54.8B

Net cash / market cap

-49.21%

Net debt / equity

0.77

Net debt / FCF

3.22

Piotroski F-Score

Property, plant and equipment

EUR 8.6B

Shareholders' equity

EUR 70.8B

Tangible book value

EUR 67.5B

Tangible book value per share

EUR 45.05

Total assets

EUR 932.1B

Total cash

EUR 193B

Total debt

EUR 247.8B

Total liabilities

EUR 861.3B

WACC

3.18%

Metric	Value
Working capital	EUR -449.7B

Metric

Value

Working capital

EUR -449.7B

Metric	Value
Buyback yield / dilution	3.15%
Dividend growth	31.07%
Dividend growth (10Y)	10.13%
Dividend growth (3Y)	47.2%
Dividend growth (5Y)	92.22%
Dividend growth years	4
Dividend payment date	2026-04-22
Dividend payment years	6
Dividend payout frequency	Semi-Annual
Dividend per share	EUR 3.15
Dividend yield	4.22%
Ex-dividend date	2026-04-20
FCF payout ratio	27.67%
Last dividend	EUR 1.72
Payout ratio	48.64%
Shareholder yield	7.38%

Metric

Value

Buyback yield / dilution

3.15%

Dividend growth

31.07%

Dividend growth (10Y)

10.13%

Dividend growth (3Y)

47.2%

Dividend growth (5Y)

92.22%

Dividend growth years

Dividend payment date

2026-04-22

Dividend payment years

Dividend payout frequency

Semi-Annual

Dividend per share

EUR 3.15

Dividend yield

4.22%

Ex-dividend date

2026-04-20

FCF payout ratio

27.67%

Last dividend

EUR 1.72

Payout ratio

48.64%

Shareholder yield

7.38%

Metric	Value
10Y price change	213.28%
10Y return CAGR	23.98%
10Y total return	757.49%
150-day SMA	EUR 76.99
15Y price change	-20.68%
15Y return CAGR	8.96%
15Y total return	262.28%
1D price change	0.3%
1M price change	-11.19%
1M total return	-11.19%
1W price change	0.59%
1W total return	0.59%
1Y price change	18.84%
1Y return CAGR	24.61%
1Y total return	24.59%
20-day SMA	EUR 75.98
200-day SMA	EUR 75.21
20Y price change	-86.5%
20Y return CAGR	-1.54%
20Y total return	-26.75%
3M price change	-8.78%
3M total return	-8.78%
3Y price change	223.05%
3Y return CAGR	55.53%
3Y total return	276.35%
50-day SMA	EUR 80.64
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 86.42
52-week high date	2026-08-26
52-week low	EUR 57.36
52-week low date	2026-03-23
5Y price change	552.55%
5Y return CAGR	53.37%
5Y total return	748.2%
6M price change	15.79%
6M total return	15.79%
All-time high	EUR 649.53
All-time high date	2007-04-26
All-time low	EUR 6.01
All-time low date	2020-05-14
Average true range (ATR)	EUR 2.00
Average volume	4.4M
Beta (1Y)	1.53
Beta (2Y)	1.39
Beta (5Y)	1.09
Change from 52-week high	-13.72%
Change from 52-week low	29.99%
Change from all-time high	-88.52%
Change from all-time low	1,140.19%
Change from open	0.03%
Day's gap	0.27%
Dollar volume	EUR 176.6M
High price	EUR 74.71
Low price	EUR 73.53
Monthly RSI	62.76
Open price	EUR 74.54
Position in 52-week range	87.29%
Previous close	EUR 74.34
Price vs 150-day SMA	-3.15%
Price vs 20-day SMA	-1.87%
Price vs 200-day SMA	-0.86%
Price vs 50-day SMA	-7.54%
Relative volume	0.55
RSI	41.67
Sharpe ratio	0.68
Sharpe ratio (3Y)	1.44
Sharpe ratio (5Y)	1.25
Sortino ratio	1.24
Sortino ratio (3Y)	2.39
Sortino ratio (5Y)	2.02
Volume	2.4M
Weekly RSI	45.83
YTD price change	5.13%
YTD total return	7.71%

Metric

Value

10Y price change

213.28%

10Y return CAGR

23.98%

10Y total return

757.49%

150-day SMA

EUR 76.99

15Y price change

-20.68%

15Y return CAGR

8.96%

15Y total return

262.28%

1D price change

0.3%

1M price change

-11.19%

1M total return

-11.19%

1W price change

0.59%

1W total return

0.59%

1Y price change

18.84%

1Y return CAGR

24.61%

1Y total return

24.59%

20-day SMA

EUR 75.98

200-day SMA

EUR 75.21

20Y price change

-86.5%

20Y return CAGR

-1.54%

20Y total return

-26.75%

3M price change

-8.78%

3M total return

-8.78%

3Y price change

223.05%

3Y return CAGR

55.53%

3Y total return

276.35%

50-day SMA

EUR 80.64

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 86.42

52-week high date

2026-08-26

52-week low

EUR 57.36

52-week low date

2026-03-23

5Y price change

552.55%

5Y return CAGR

53.37%

5Y total return

748.2%

6M price change

15.79%

6M total return

15.79%

All-time high

EUR 649.53

All-time high date

2007-04-26

All-time low

EUR 6.01

All-time low date

2020-05-14

Average true range (ATR)

EUR 2.00

Average volume

4.4M

Beta (1Y)

1.53

Beta (2Y)

1.39

Beta (5Y)

1.09

Change from 52-week high

-13.72%

Change from 52-week low

29.99%

Change from all-time high

-88.52%

Change from all-time low

1,140.19%

Change from open

0.03%

Day's gap

0.27%

Dollar volume

EUR 176.6M

High price

EUR 74.71

Low price

EUR 73.53

Monthly RSI

62.76

Open price

EUR 74.54

Position in 52-week range

87.29%

Previous close

EUR 74.34

Price vs 150-day SMA

-3.15%

Price vs 20-day SMA

-1.87%

Price vs 200-day SMA

-0.86%

Price vs 50-day SMA

-7.54%

Relative volume

0.55

RSI

41.67

Sharpe ratio

0.68

Sharpe ratio (3Y)

1.44

Sharpe ratio (5Y)

1.25

Sortino ratio

1.24

Sortino ratio (3Y)

2.39

Sortino ratio (5Y)

2.02

Volume

2.4M

Weekly RSI

45.83

YTD price change

5.13%

YTD total return

7.71%

Metric	Value
Float	1.5B
Shares change (QoQ)	1.58%
Shares change (YoY)	-3.15%
Shares held by institutions	44.77%
Shares outstanding	1.5B

Metric

Value

Float

1.5B

Shares change (QoQ)

1.58%

Shares change (YoY)

-3.15%

Shares held by institutions

44.77%

Shares outstanding

1.5B

BIT/UCG (BIT/UCG)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/UCG

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/UCG indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/UCG

Frequently asked questions