UniCredit SpA
UniCredit SpA maintains a capital structure characterized by significant leverage, with total liabilities of €802.5 billion against total assets of €870.2 billion. The debt-to-equity ratio stands at 2.94, reflecting the high leverage typical of banking operations where customer deposits constitute a large portion of liabilities. Long-term debt is recorded at €199.1 billion. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. The company generates operating cash flow of €8.5 billion and free cash flow of €5.8 billion, supported by capital expenditures of -€1.3 billion. Profitability metrics indicate a return on equity of 16.12% and a return on assets of 1.25%. The company reports net income of €10.9 billion on revenue of €14.1 billion, demonstrating a strong net margin profile. The price-to-earnings ratio is 10.9, and the price-to-book ratio is 1.76, suggesting the market values the equity at a premium to book value. The price-to-tangible book ratio is also 1.76. Segment and geographic revenue mix data is not provided in the available input, preventing a detailed analysis of revenue concentration by business line or region. The analysis relies on consolidated financial figures for the latest normalized period. Growth trajectory analysis is limited by the absence of historical period data in the input. The current revenue base is €14.1 billion, but year-over-year trends cannot be calculated from the provided snapshot. Risk assessment highlights medium liquidity risk and low dilution risk. The primary financial flag is the negative net cash position after debt subtraction. The shares outstanding basic and diluted counts are identical at 1.51 billion, indicating no immediate dilutive securities in the current period. Recent investor relations observations show a mean analyst price target of €82.50 and a median target of €84.50, with a high target of €100.00 and a low target of €52.00. The mean recommendation is 2.00, indicating a buy consensus, with 5 strong buys, 10 buys, and 5 holds. The current market price is €78.68, trading below the mean and median analyst targets.
Business. UniCredit SpA is a financial institution operating in the Banks industry within the Financials sector, generating revenue through banking activities.
Classification. The company is classified under the Banks industry with a low confidence score of 0.20 based on rule-based classification.
- UniCredit SpA reports a return on equity of 16.12% and net income of €10.9 billion on €14.1 billion in revenue.
- The company trades at a price-to-book ratio of 1.76 and a price-to-earnings ratio of 10.9.
- Liquidity risk is rated as medium, with a key flag for negative net cash after debt subtraction.
- Analyst consensus is positive with a mean recommendation of 2.00 and a mean price target of €82.50, above the current price of €78.68.
- Dilution risk is low, with basic and diluted shares outstanding being identical at 1.51 billion.
- Net cash is negative after subtracting total debt.