UniCredit SpA (CRIN) - Net Assets
Based on the latest financial reports, UniCredit SpA (CRIN) has net assets worth €68.42 Billion EUR as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€860.33 Billion) and total liabilities (€791.91 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €68.42 Billion |
| % of Total Assets | 7.95% |
| Annual Growth Rate | 0.61% |
| 5-Year Change | 4.84% |
| 10-Year Change | N/A |
| Growth Volatility | 4.48 |
UniCredit SpA - Net Assets Trend (2017–2024)
This chart illustrates how UniCredit SpA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for UniCredit SpA (2017–2024)
The table below shows the annual net assets of UniCredit SpA from 2017 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €62.84 Billion | -2.18% |
| 2023-12-31 | €64.24 Billion | +1.17% |
| 2022-12-31 | €63.50 Billion | +2.26% |
| 2021-12-31 | €62.09 Billion | +3.59% |
| 2020-12-31 | €59.94 Billion | -2.98% |
| 2019-12-31 | €61.78 Billion | +8.84% |
| 2018-12-31 | €56.77 Billion | -5.74% |
| 2017-12-31 | €60.22 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to UniCredit SpA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 42.6% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €9.72 Billion | 15.57% |
| Other Components | €52.72 Billion | 84.43% |
| Total Equity | €62.44 Billion | 100.00% |
UniCredit SpA Competitors by Market Cap
The table below lists competitors of UniCredit SpA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Corning Incorporated
NYSE:GLW
|
$112.74 Billion |
|
Bharti Airtel Limited
NSE:BHARTIARTL
|
$113.45 Billion |
|
Arm Holdings plc
F:O9T
|
$114.06 Billion |
|
GSK plc
SA:G1SK34
|
$114.11 Billion |
|
EssilorLuxottica S. A.
PA:EL
|
$112.00 Billion |
|
FAST RETAIL.CO.SP.HDR 1
F:FR7H
|
$111.69 Billion |
|
Vertex Pharmaceuticals Inc
NASDAQ:VRTX
|
$110.53 Billion |
|
Starbucks Corporation
NASDAQ:SBUX
|
$110.42 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in UniCredit SpA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 64,079,000,000 to 62,441,000,000, a change of -1,638,000,000 (-2.6%).
- Net income of 9,719,000,000 contributed positively to equity growth.
- Dividend payments of 4,950,000,000 reduced retained earnings.
- Other factors decreased equity by 6,407,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €9.72 Billion | +15.57% |
| Dividends Paid | €4.95 Billion | -7.93% |
| Other Changes | €-6.41 Billion | -10.26% |
| Total Change | €- | -2.56% |
Book Value vs Market Value Analysis
This analysis compares UniCredit SpA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.70x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.58x to 1.70x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | €26.65 | €68.71 | x |
| 2018-12-31 | €25.04 | €68.71 | x |
| 2019-12-31 | €27.50 | €68.71 | x |
| 2020-12-31 | €26.60 | €68.71 | x |
| 2021-12-31 | €27.88 | €68.71 | x |
| 2022-12-31 | €32.73 | €68.71 | x |
| 2023-12-31 | €37.42 | €68.71 | x |
| 2024-12-31 | €40.50 | €68.71 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently UniCredit SpA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.57%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 36.57%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 12.56x
- Recent ROE (15.57%) is above the historical average (7.51%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 9.22% | 27.82% | 0.02x | 14.10x | €-459.99 Million |
| 2018 | 6.97% | 18.83% | 0.02x | 14.89x | €-1.69 Billion |
| 2019 | 5.49% | 17.56% | 0.02x | 13.93x | €-2.77 Billion |
| 2020 | -4.68% | -15.21% | 0.02x | 15.65x | €-8.74 Billion |
| 2021 | 2.50% | 10.01% | 0.02x | 14.87x | €-4.62 Billion |
| 2022 | 10.20% | 30.70% | 0.02x | 13.54x | €124.10 Million |
| 2023 | 14.84% | 37.49% | 0.03x | 12.25x | €3.10 Billion |
| 2024 | 15.57% | 36.57% | 0.03x | 12.56x | €3.47 Billion |
Industry Comparison
This section compares UniCredit SpA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $666,955,270,300
- Average return on equity (ROE) among peers: 9.22%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| UniCredit SpA (CRIN) | €68.42 Billion | 9.22% | 11.57x | $112.22 Billion |
| PT Bank Sinarmas Tbk (08S) | $3.16 Trillion | 4.90% | 5.72x | $922.01 Million |
| Seven Bank Ltd (0S7) | $199.08 Billion | 12.61% | 3.81x | $1.93 Billion |
| COAST.FINL. CORP.WA NEW (1VD) | $243.49 Million | 16.68% | 11.91x | $1.07 Billion |
| Aktia Pankki Oyj (2A41) | $598.02 Million | 6.58% | 14.97x | $871.18 Million |
| PT BK PANIN DU. SY. RP100 (2PS) | $2.51 Trillion | 10.00% | 4.90x | $19.41 Million |
| Bank of Cyprus Holdings PLC (318) | $2.10 Billion | 3.38% | 11.11x | $3.14 Billion |
| Manx Financial Group PLC (3IM) | $13.17 Million | 9.88% | 10.59x | $31.55 Million |
| TowneBank (3T8) | $2.06 Billion | 7.48% | 7.19x | $2.80 Billion |
| Postal Savings Bank of China Co Ltd (3YB) | $795.55 Billion | 9.57% | 14.82x | $12.41 Billion |
| BAR HARBOR BANKSHS DL 2 (42K) | $393.45 Million | 11.07% | 8.94x | $498.20 Million |
About UniCredit SpA
UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. It offers retail, private, and wealth management solutions; and institutional investor solutions. The company also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and sustainable finance solutions, as well as securities … Read more