LON/0RLS (LON/0RLS)

London Stock Exchange: LON/0RLS · EUR

€74.6

+0.29 (+0.4%)· Recorded snapshot

Market cap	93.6B
Revenue (ttm)	21.4B
Net income (ttm)	9.2B
EPS (ttm)	€5.89
P/E (trailing)	10.6x
P/E (forward)	9.6x
Dividend	€2.75 (4.40%)
Volume	264,073
Beta	1.09

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 21.4B
Net income (ttm): 9.2B
EPS (ttm): €5.89
P/E (trailing): 10.6x
P/E (forward): 9.6x
Market cap: 93.6B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.6

P25 n/aP50 n/aP75 n/a

Trailing P/E10.6

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+0.8%

Nasdaq Composite-1.0%

Dow Jones Industrial Average+1.9%

Russell 2000+0.3%

All LON/0RLS indicators

Market & fundamental data

Available fields

206

Groups with data

Currency

EUR

Showing 206 of 206 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	GBP
Country	Italy
Country code	UK
Earnings date	2026-11-08
Employees	66,180
Employees change	-3,155
Employees growth	-4.19%
Exchange	London 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	2026-10-28
Last stock split date	2017-01-23
Last stock split type	Reverse
Market cap	EUR 93.6B
Next earnings date	2026-11-08
Price	EUR 74.63
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	lon/0RLS
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	9.43%
FCF yield	15.74%
Forward P/E	9.6x
Graham number	89.73949
Graham upside	20.71%
Industry forward P/E	8.04x
Industry P/E	8.19x
Lynch fair value	EUR 184.10
Lynch upside	147.64%
P/B ratio	1.53x
P/E ratio	10.61x
P/FCF ratio	6.35x
P/OCF ratio	6.11x
P/S ratio	4.36x
Price / tangible book value	1.6x
Sector forward P/E	9.18x
Sector P/E	10.93x

Profitability

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

Metric	Value
Effective tax rate	18.78%
FCF margin	70.61%
Operating margin	62.95%
Pretax margin	54.44%
Profit margin	43.97%
Profit per employee	EUR 139,596
Profitable quarters	18
Profitable years	5
Revenue per employee	EUR 323,235
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 -586.4M
EPS	EUR 5.89
Financing cash flow	EUR -7.7B
Free cash flow	EUR 14.7B
Gross profit	EUR 21.4B
Income taxes	EUR 2.2B
Investing cash flow	EUR -4.3B
Net cash flow	EUR 3.5B
Net income	EUR 9.2B
Operating income	EUR 13.5B
Revenue	EUR 21.4B

Financial strength

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

Metric	Value
Book value per share	EUR 40.47
Debt / equity	3.5
Debt / FCF	14.53
Goodwill	EUR 703M
Net cash (debt)	EUR -47.2B
Net cash / market cap	-50.61%
Net debt / equity	0.77
Net debt / FCF	3.22
Piotroski F-Score	4
Property, plant and equipment	EUR 7.2B
Shareholders' equity	EUR 61B
Tangible book value	EUR 58.1B
Tangible book value per share	EUR 38.80
Total assets	EUR 802.6B
Total cash	EUR 166.2B
Total debt	EUR 213.4B
Total liabilities	EUR 741.6B
WACC	3.12%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -387.3B

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)	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 2.75
Dividend yield	4.4%
Ex-dividend date	2026-04-20
Last dividend	EUR 1.72
Payout ratio	48.64%
Shareholder yield	7.57%

Performance and technicals

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

Metric	Value
10Y price change	216.03%
10Y return CAGR	24.09%
10Y total return	765.63%
150-day SMA	EUR 77.00
15Y price change	-20.91%
15Y return CAGR	8.94%
15Y total return	261.43%
1D price change	0.39%
1M price change	-11.25%
1M total return	-11.25%
1W price change	1.03%
1W total return	1.03%
1Y price change	18.49%
1Y return CAGR	24.24%
1Y total return	24.22%
20-day SMA	EUR 75.88
200-day SMA	EUR 75.18
20Y price change	-86.63%
20Y return CAGR	-1.6%
20Y total return	-27.52%
3M price change	-9.05%
3M total return	-9.05%
3Y price change	222.46%
3Y return CAGR	55.43%
3Y total return	275.63%
50-day SMA	EUR 80.61
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 56.56
52-week low date	2026-03-23
5Y price change	550.62%
5Y return CAGR	53.29%
5Y total return	746.25%
6M price change	15.45%
6M total return	15.45%
All-time high	EUR 707.64
All-time high date	2007-11-01
All-time low	EUR 6.01
All-time low date	2020-05-14
Average true range (ATR)	EUR 2.05
Average volume	350.2K
Beta (5Y)	1.09
Change from 52-week high	-13.64%
Change from 52-week low	31.95%
Change from all-time high	-89.49%
Change from all-time low	1,136.53%
Change from open	0.07%
Day's gap	0.32%
Dollar volume	EUR 19.7M
High price	EUR 74.69
Low price	EUR 73.53
Monthly RSI	62.7
Open price	EUR 74.58
Position in 52-week range	94.83%
Previous close	EUR 74.34
Price vs 150-day SMA	-3.46%
Price vs 20-day SMA	-2.03%
Price vs 200-day SMA	-1.12%
Price vs 50-day SMA	-7.78%
Relative volume	0.73
RSI	42.53
Sharpe ratio	0.66
Sharpe ratio (3Y)	1.42
Sharpe ratio (5Y)	1.32
Sortino ratio	1.22
Sortino ratio (3Y)	2.38
Sortino ratio (5Y)	2.17
Volume	264.1K
Weekly RSI	46.03
YTD price change	4.87%
YTD total return	7.44%

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	44.78%

Deeper analysis on LON/0RLS

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 LON/0RLS report

Is a complete LON/0RLS research report available?

No complete published report is available for lon/0RLS (LON/0RLS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

93.6B

Revenue (ttm)

21.4B

Net income (ttm)

9.2B

EPS (ttm)

€5.89

P/E (trailing)

10.6x

P/E (forward)

9.6x

Dividend

€2.75 (4.40%)

Volume

264,073

Beta

1.09

Metric

Value

Amount currency

GBP

Country

Italy

Country code

Earnings date

2026-11-08

Employees

66,180

Employees change

-3,155

Employees growth

-4.19%

Exchange

London 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

2026-10-28

Last stock split date

2017-01-23

Last stock split type

Reverse

Market cap

EUR 93.6B

Next earnings date

2026-11-08

Price

EUR 74.63

Price currency

EUR

Sector

Financials

SIC code

6020

Stock price date

2026-10-28

Symbol

lon/0RLS

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

9.43%

FCF yield

15.74%

Forward P/E

9.6x

Graham number

89.73949

Graham upside

20.71%

Industry forward P/E

8.04x

Industry P/E

8.19x

Lynch fair value

EUR 184.10

Lynch upside

147.64%

P/B ratio

1.53x

P/E ratio

10.61x

P/FCF ratio

6.35x

P/OCF ratio

6.11x

P/S ratio

4.36x

Price / tangible book value

1.6x

Sector forward P/E

9.18x

Sector P/E

10.93x

Metric

Value

Effective tax rate

18.78%

FCF margin

70.61%

Operating margin

62.95%

Pretax margin

54.44%

Profit margin

43.97%

Profit per employee

EUR 139,596

Profitable quarters

Profitable years

Revenue per employee

EUR 323,235

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 -586.4M

EPS

EUR 5.89

Financing cash flow

EUR -7.7B

Free cash flow

EUR 14.7B

Gross profit

EUR 21.4B

Income taxes

EUR 2.2B

Investing cash flow

EUR -4.3B

Net cash flow

EUR 3.5B

Net income

EUR 9.2B

Operating income

EUR 13.5B

Revenue

EUR 21.4B

Metric

Value

Book value per share

EUR 40.47

Debt / equity

3.5

Debt / FCF

14.53

Goodwill

EUR 703M

Net cash (debt)

EUR -47.2B

Net cash / market cap

-50.61%

Net debt / equity

0.77

Net debt / FCF

3.22

Piotroski F-Score

Property, plant and equipment

EUR 7.2B

Shareholders' equity

EUR 61B

Tangible book value

EUR 58.1B

Tangible book value per share

EUR 38.80

Total assets

EUR 802.6B

Total cash

EUR 166.2B

Total debt

EUR 213.4B

Total liabilities

EUR 741.6B

WACC

3.12%

Metric

Value

Working capital

EUR -387.3B

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 2.75

Dividend yield

4.4%

Ex-dividend date

2026-04-20

Last dividend

EUR 1.72

Payout ratio

48.64%

Shareholder yield

7.57%

Metric

Value

10Y price change

216.03%

10Y return CAGR

24.09%

10Y total return

765.63%

150-day SMA

EUR 77.00

15Y price change

-20.91%

15Y return CAGR

8.94%

15Y total return

261.43%

1D price change

0.39%

1M price change

-11.25%

1M total return

-11.25%

1W price change

1.03%

1W total return

1.03%

1Y price change

18.49%

1Y return CAGR

24.24%

1Y total return

24.22%

20-day SMA

EUR 75.88

200-day SMA

EUR 75.18

20Y price change

-86.63%

20Y return CAGR

-1.6%

20Y total return

-27.52%

3M price change

-9.05%

3M total return

-9.05%

3Y price change

222.46%

3Y return CAGR

55.43%

3Y total return

275.63%

50-day SMA

EUR 80.61

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 56.56

52-week low date

2026-03-23

5Y price change

550.62%

5Y return CAGR

53.29%

5Y total return

746.25%

6M price change

15.45%

6M total return

15.45%

All-time high

EUR 707.64

All-time high date

2007-11-01

All-time low

EUR 6.01

All-time low date

2020-05-14

Average true range (ATR)

EUR 2.05

Average volume

350.2K

Beta (5Y)

1.09

Change from 52-week high

-13.64%

Change from 52-week low

31.95%

Change from all-time high

-89.49%

Change from all-time low

1,136.53%

Change from open

0.07%

Day's gap

0.32%

Dollar volume

EUR 19.7M

High price

EUR 74.69

Low price

EUR 73.53

Monthly RSI

62.7

Open price

EUR 74.58

Position in 52-week range

94.83%

Previous close

EUR 74.34

Price vs 150-day SMA

-3.46%

Price vs 20-day SMA

-2.03%

Price vs 200-day SMA

-1.12%

Price vs 50-day SMA

-7.78%

Relative volume

0.73

RSI

42.53

Sharpe ratio

0.66

Sharpe ratio (3Y)

1.42

Sharpe ratio (5Y)

1.32

Sortino ratio

1.22

Sortino ratio (3Y)

2.38

Sortino ratio (5Y)

2.17

Volume

264.1K

Weekly RSI

46.03

YTD price change

4.87%

YTD total return

7.44%

Metric

Value

Float

1.5B

Shares change (QoQ)

1.58%

Shares change (YoY)

-3.15%

Shares held by institutions

44.78%

LON/0RLS (LON/0RLS)

Price

Financial snapshot

Fair-value bridge

Latest news · LON/0RLS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All LON/0RLS 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 LON/0RLS

Frequently asked questions

LON/0RLS (LON/0RLS)

Price

Financial snapshot

Fair-value bridge

Latest news · LON/0RLS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All LON/0RLS 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 LON/0RLS

Frequently asked questions