UNICREDIT S.P.A. ADR (CRIP) - Net Assets
Based on the latest financial reports, UNICREDIT S.P.A. ADR (CRIP) has net assets worth €68.81 Billion EUR (≈ $80.44 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€902.16 Billion ≈ $1.05 Trillion USD) and total liabilities (€833.36 Billion ≈ $974.28 Billion USD). 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. Check UNICREDIT S.P.A. ADR (CRIP) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €68.81 Billion |
| % of Total Assets | 7.63% |
| Annual Growth Rate | 2.11% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 3.85 |
UNICREDIT S.P.A. ADR - Net Assets Trend (2021–2025)
This chart illustrates how UNICREDIT S.P.A. ADR's net assets have evolved over time, based on quarterly financial data. Explore cash flow conversion of UNICREDIT S.P.A. ADR to assess how effectively this company generates cash.
Annual Net Assets for UNICREDIT S.P.A. ADR (2021–2025)
The table below shows the annual net assets of UNICREDIT S.P.A. ADR from 2021 to 2025. For live valuation and market cap data, see UNICREDIT S.P.A. ADR stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €68.11 Billion ≈ $79.63 Billion |
+8.38% |
| 2024-12-31 | €62.84 Billion ≈ $73.47 Billion |
-2.18% |
| 2023-12-31 | €64.24 Billion ≈ $75.11 Billion |
+1.17% |
| 2022-12-31 | €63.50 Billion ≈ $74.23 Billion |
+1.35% |
| 2021-12-31 | €62.65 Billion ≈ $73.24 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to UNICREDIT S.P.A. ADR'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 grown by 420.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €10.91 Billion | 16.12% |
| Other Components | €56.80 Billion | 83.88% |
| Total Equity | €67.71 Billion | 100.00% |
UNICREDIT S.P.A. ADR Competitors by Market Cap
The table below lists competitors of UNICREDIT S.P.A. ADR ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Bristol-Myers Squibb Company
NYSE:BMY
|
$112.89 Billion |
|
Altria Group
NYSE:MO
|
$112.89 Billion |
|
PDD Holdings Inc.
NASDAQ:PDD
|
$113.37 Billion |
|
Stryker Corporation
NYSE:SYK
|
$115.24 Billion |
|
GlaxoSmithKline PLC ADR
NYSE:GSK
|
$111.15 Billion |
|
Starbucks Corporation
NASDAQ:SBUX
|
$111.02 Billion |
|
HDFC Bank Limited
F:HDFA
|
$110.85 Billion |
|
Parker-Hannifin Corporation
NYSE:PH
|
$110.81 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in UNICREDIT S.P.A. ADR's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 62,441,000,000 to 67,711,000,000, a change of 5,270,000,000 (8.4%).
- Net income of 10,915,000,000 contributed positively to equity growth.
- Dividend payments of 5,007,000,000 reduced retained earnings.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €10.91 Billion | +16.12% |
| Dividends Paid | €5.01 Billion | -7.39% |
| Other Changes | €-638.00 Million | -0.94% |
| Total Change | €- | 8.44% |
Book Value vs Market Value Analysis
This analysis compares UNICREDIT S.P.A. ADR'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: 0.71x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.14x to 0.71x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €28.12 | €32.20 | x |
| 2022-12-31 | €32.73 | €32.20 | x |
| 2023-12-31 | €37.42 | €32.20 | x |
| 2024-12-31 | €40.50 | €32.20 | x |
| 2025-12-31 | €45.05 | €32.20 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently UNICREDIT S.P.A. ADR 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): 16.12%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 43.59%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 12.85x
- Recent ROE (16.12%) is above the historical average (14.18%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 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 |
| 2025 | 16.12% | 43.59% | 0.03x | 12.85x | €4.14 Billion |
Industry Comparison
This section compares UNICREDIT S.P.A. ADR's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,683,940,575,600
- Average return on equity (ROE) among peers: 5.98%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| UNICREDIT S.P.A. ADR (CRIP) | €68.81 Billion | 10.20% | 12.11x | $112.81 Billion |
| Grupo Supervielle S.A (189A) | $16.97 Billion | -17.85% | 7.35x | $590.94 Million |
| WOORI FIN. GRP SP.ADR/3 (2WGA) | $35.90 Trillion | 8.60% | 13.65x | $11.06 Billion |
| Bank of Zhengzhou Co. Ltd (3BZ) | $39.89 Billion | 8.24% | 11.55x | $232.67 Million |
| Manx Financial Group PLC (3IM) | $22.43 Million | 8.62% | 10.94x | $35.36 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $825.81 Billion | 10.32% | 16.03x | $12.62 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $825.81 Billion | 10.32% | 16.03x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $42.45 Billion | 17.20% | 5.85x | $2.34 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $36.59 Billion | 8.42% | 13.47x | $1.31 Billion |
| Harbin Bank Co. Ltd (5H6) | $65.60 Billion | 1.40% | 12.97x | $113.12 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.09 Trillion | 4.56% | 24.70x | $53.42 Billion |
About UNICREDIT S.P.A. ADR
UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. The company offers retail, private, and wealth management solutions; and institutional investor solutions. It also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and sustainable finance solutions, as well as securities … Read more