VIE/UCG (VIE/UCG)

Vienna Stock Exchange: VIE/UCG · EUR

€75.4

+1.04 (+1.4%)· Recorded snapshot

Market cap	113.3B
Revenue (ttm)	24.8B
Net income (ttm)	10.7B
EPS (ttm)	€7.04
P/E (trailing)	10.7x
P/E (forward)	9.6x
Dividend	€3.15 (4.18%)
Volume	219

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 24.8B
Net income (ttm): 10.7B
EPS (ttm): €7.04
P/E (trailing): 10.7x
P/E (forward): 9.6x
Market cap: 113.3B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E9.6

P25 n/aP50 n/aP75 n/a

Trailing P/E10.7

P25 n/aP50 n/aP75 n/a

ROE15.8

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.6%

Nasdaq Composite-2.3%

Dow Jones Industrial Average+1.9%

Russell 2000+1.8%

All VIE/UCG indicators

Market & fundamental data

Available fields

192

Groups with data

Currency

EUR

Showing 192 of 192 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	Italy
Country code	AT
Earnings date	2026-11-08
Employees	66,180
Employees change	-3,155
Employees growth	-4.19%
Exchange	Vienna Stock Exchange
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	No
ISIN number	IT0005239360
Last earnings date	2026-07-22
Last refreshed	2026-10-29
Market cap	EUR 113.3B
Next earnings date	2026-11-08
Price	EUR 75.37
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-29
Symbol	vie/UCG
Website	https://www.unicreditgroup.eu

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	8.44x
Average P/E ratio (3Y)	7.37x
Average P/E ratio (5Y)	8x
Earnings yield	9.34%
FCF yield	15.26%
Forward P/E	9.63x
Graham number	86.99393
Graham upside	17.04%
Industry P/E	10.95x
Lynch fair value	EUR 178.46
Lynch upside	140.1%
P/B ratio	1.58x
P/E ratio	10.71x
P/FCF ratio	6.55x
P/OCF ratio	6.3x
P/S ratio	4.5x
Price / tangible book value	1.65x
Sector forward P/E	9.57x
Sector P/E	10.92x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -681M
EPS	EUR 7.04
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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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	-49.07%
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

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -449.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	3.15%
Dividend growth	31.07%
Dividend growth (10Y)	25.69%
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	4.18%
Ex-dividend date	2026-04-20
Last dividend	EUR 1.72
Payout ratio	48.64%
Shareholder yield	7.39%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	EUR 77.01
1D price change	1.4%
1M price change	-10.53%
1M total return	-10.53%
1W price change	0.16%
1W total return	0.16%
1Y price change	20.11%
1Y return CAGR	25.94%
1Y total return	25.92%
20-day SMA	EUR 76.09
200-day SMA	EUR 75.24
3M price change	-7.71%
3M total return	-7.71%
3Y price change	224.8%
3Y return CAGR	55.84%
3Y total return	278.62%
50-day SMA	EUR 80.68
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 86.58
52-week high date	2026-09-30
52-week low	EUR 58.20
52-week low date	2026-03-23
5Y price change	558.25%
5Y return CAGR	53.67%
5Y total return	756.72%
6M price change	14.79%
6M total return	14.79%
All-time high	EUR 86.58
All-time high date	2026-09-30
All-time low	EUR 6.08
All-time low date	2020-05-14
Average true range (ATR)	EUR 1.95
Average volume	340.7
Change from 52-week high	-12.95%
Change from 52-week low	29.5%
Change from all-time high	-12.95%
Change from all-time low	1,139.23%
Change from open	1.29%
Day's gap	0.11%
Dollar volume	EUR 16,506
High price	EUR 75.37
Low price	EUR 73.93
Monthly RSI	63.31
Open price	EUR 74.41
Position in 52-week range	100%
Previous close	EUR 74.33
Price vs 150-day SMA	-2.13%
Price vs 20-day SMA	-0.95%
Price vs 200-day SMA	0.18%
Price vs 50-day SMA	-6.58%
Relative volume	0.66
RSI	45.19
Sharpe ratio	0.7
Sharpe ratio (3Y)	1.43
Sharpe ratio (5Y)	1.23
Sortino ratio	1.25
Sortino ratio (3Y)	2.41
Sortino ratio (5Y)	2.06
Volume	219
Weekly RSI	47.25
YTD price change	6.19%
YTD total return	8.8%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1.5B
Shares change (QoQ)	1.58%
Shares change (YoY)	-3.15%
Shares held by institutions	44.84%

Deeper analysis on VIE/UCG

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this VIE/UCG report

Is a complete VIE/UCG research report available?

No complete published report is available for vie/UCG (VIE/UCG) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

113.3B

Revenue (ttm)

24.8B

Net income (ttm)

10.7B

EPS (ttm)

€7.04

P/E (trailing)

10.7x

P/E (forward)

9.6x

Dividend

€3.15 (4.18%)

Volume

219

Metric

Value

Amount currency

EUR

Country

Italy

Country code

Earnings date

2026-11-08

Employees

66,180

Employees change

-3,155

Employees growth

-4.19%

Exchange

Vienna Stock Exchange

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

ISIN number

IT0005239360

Last earnings date

2026-07-22

Last refreshed

2026-10-29

Market cap

EUR 113.3B

Next earnings date

2026-11-08

Price

EUR 75.37

Price currency

EUR

Sector

Financials

SIC code

6020

Stock price date

2026-10-29

Symbol

vie/UCG

Website

https://www.unicreditgroup.eu

Metric

Value

Average P/E ratio (10Y)

8.44x

Average P/E ratio (3Y)

7.37x

Average P/E ratio (5Y)

Earnings yield

9.34%

FCF yield

15.26%

Forward P/E

9.63x

Graham number

86.99393

Graham upside

17.04%

Industry P/E

10.95x

Lynch fair value

EUR 178.46

Lynch upside

140.1%

P/B ratio

1.58x

P/E ratio

10.71x

P/FCF ratio

6.55x

P/OCF ratio

6.3x

P/S ratio

4.5x

Price / tangible book value

1.65x

Sector forward P/E

9.57x

Sector P/E

10.92x

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

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

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

-49.07%

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

Metric

Value

Working capital

EUR -449.7B

Metric

Value

Buyback yield / dilution

3.15%

Dividend growth

31.07%

Dividend growth (10Y)

25.69%

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

4.18%

Ex-dividend date

2026-04-20

Last dividend

EUR 1.72

Payout ratio

48.64%

Shareholder yield

7.39%

Metric

Value

150-day SMA

EUR 77.01

1D price change

1.4%

1M price change

-10.53%

1M total return

-10.53%

1W price change

0.16%

1W total return

0.16%

1Y price change

20.11%

1Y return CAGR

25.94%

1Y total return

25.92%

20-day SMA

EUR 76.09

200-day SMA

EUR 75.24

3M price change

-7.71%

3M total return

-7.71%

3Y price change

224.8%

3Y return CAGR

55.84%

3Y total return

278.62%

50-day SMA

EUR 80.68

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 86.58

52-week high date

2026-09-30

52-week low

EUR 58.20

52-week low date

2026-03-23

5Y price change

558.25%

5Y return CAGR

53.67%

5Y total return

756.72%

6M price change

14.79%

6M total return

14.79%

All-time high

EUR 86.58

All-time high date

2026-09-30

All-time low

EUR 6.08

All-time low date

2020-05-14

Average true range (ATR)

EUR 1.95

Average volume

340.7

Change from 52-week high

-12.95%

Change from 52-week low

29.5%

Change from all-time high

-12.95%

Change from all-time low

1,139.23%

Change from open

1.29%

Day's gap

0.11%

Dollar volume

EUR 16,506

High price

EUR 75.37

Low price

EUR 73.93

Monthly RSI

63.31

Open price

EUR 74.41

Position in 52-week range

100%

Previous close

EUR 74.33

Price vs 150-day SMA

-2.13%

Price vs 20-day SMA

-0.95%

Price vs 200-day SMA

0.18%

Price vs 50-day SMA

-6.58%

Relative volume

0.66

RSI

45.19

Sharpe ratio

0.7

Sharpe ratio (3Y)

1.43

Sharpe ratio (5Y)

1.23

Sortino ratio

1.25

Sortino ratio (3Y)

2.41

Sortino ratio (5Y)

2.06

Volume

219

Weekly RSI

47.25

YTD price change

6.19%

YTD total return

8.8%

Metric

Value

Float

1.5B

Shares change (QoQ)

1.58%

Shares change (YoY)

-3.15%

Shares held by institutions

44.84%

VIE/UCG (VIE/UCG)

Price

Financial snapshot

Fair-value bridge

Latest news · VIE/UCG

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All VIE/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 VIE/UCG

Frequently asked questions

VIE/UCG (VIE/UCG)

Price

Financial snapshot

Fair-value bridge

Latest news · VIE/UCG

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All VIE/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 VIE/UCG

Frequently asked questions