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
UniCredit SpA (UNCFF) - Net Assets
Latest net assets as of December 2025: $68.08 Billion USD
Based on the latest financial reports, UniCredit SpA (UNCFF) has net assets worth $68.08 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($869.91 Billion) and total liabilities ($801.83 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 | $68.08 Billion |
| % of Total Assets | 7.83% |
| Annual Growth Rate | 7.51% |
| 5-Year Change | 8.67% |
| 10-Year Change | 57.64% |
| Growth Volatility | 36.47 |
UniCredit SpA - Net Assets Trend (2003–2025)
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 (2003–2025)
The table below shows the annual net assets of UniCredit SpA from 2003 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $68.08 Billion | +8.34% |
| 2024-12-31 | $62.84 Billion | -2.18% |
| 2023-12-31 | $64.24 Billion | +1.17% |
| 2022-12-31 | $63.50 Billion | +1.35% |
| 2021-12-31 | $62.65 Billion | +4.52% |
| 2020-12-31 | $59.94 Billion | -2.98% |
| 2019-12-31 | $61.78 Billion | +7.73% |
| 2018-12-31 | $57.35 Billion | -4.77% |
| 2017-12-31 | $60.22 Billion | +39.45% |
| 2016-12-31 | $43.19 Billion | -19.25% |
| 2015-12-31 | $53.49 Billion | +1.23% |
| 2014-12-31 | $52.84 Billion | +5.55% |
| 2013-12-31 | $50.06 Billion | -24.68% |
| 2012-12-31 | $66.45 Billion | +21.27% |
| 2011-12-31 | $54.80 Billion | -19.06% |
| 2010-12-31 | $67.70 Billion | +7.65% |
| 2009-12-31 | $62.89 Billion | +7.99% |
| 2008-12-31 | $58.24 Billion | -6.76% |
| 2007-12-31 | $62.46 Billion | +46.14% |
| 2006-12-31 | $42.74 Billion | +8.38% |
| 2005-12-31 | $39.44 Billion | +161.60% |
| 2004-12-31 | $15.07 Billion | +8.83% |
| 2003-12-31 | $13.85 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 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $67.69 Billion | 100.00% |
| Total Equity | $67.69 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 |
|---|---|
|
Cigna Corp
NYSE:CI
|
$71.15 Billion |
|
GSK plc
PINK:GLAXF
|
$71.18 Billion |
|
American Electric Power Co Inc
NASDAQ:AEP
|
$71.56 Billion |
|
CN YANGT.PWR GDR REG S/A
F:CYZB
|
$71.71 Billion |
|
Illinois Tool Works Inc
NYSE:ITW
|
$70.30 Billion |
|
BP p.l.c
PINK:BPAQF
|
$69.85 Billion |
|
Transdigm Group Incorporated
NYSE:TDG
|
$69.26 Billion |
|
Republic Services Inc
NYSE:RSG
|
$69.20 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 2024 to 2025, total equity changed from 62,441,000,000 to 67,685,640,000, a change of 5,244,640,000 (8.4%).
- Net income of 11,017,872,000 contributed positively to equity growth.
- Other factors decreased equity by 5,773,232,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $11.02 Billion | +16.28% |
| Other Changes | $-5.77 Billion | -8.53% |
| Total Change | $- | 8.40% |
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: 1.12x
- 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 7.10x to 1.12x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2003-12-31 | $6.66 | $47.27 | x |
| 2004-12-31 | $7.18 | $47.27 | x |
| 2005-12-31 | $18.19 | $47.27 | x |
| 2006-12-31 | $19.88 | $47.27 | x |
| 2007-12-31 | $29.83 | $47.27 | x |
| 2008-12-31 | $28.42 | $47.27 | x |
| 2009-12-31 | $30.84 | $47.27 | x |
| 2010-12-31 | $33.19 | $47.27 | x |
| 2011-12-31 | $26.60 | $47.27 | x |
| 2012-12-31 | $32.44 | $47.27 | x |
| 2013-12-31 | $24.14 | $47.27 | x |
| 2014-12-31 | $25.52 | $47.27 | x |
| 2015-12-31 | $25.88 | $47.27 | x |
| 2016-12-31 | $20.33 | $47.27 | x |
| 2017-12-31 | $30.30 | $47.27 | x |
| 2018-12-31 | $25.30 | $47.27 | x |
| 2019-12-31 | $27.46 | $47.27 | x |
| 2020-12-31 | $26.72 | $47.27 | x |
| 2021-12-31 | $27.81 | $47.27 | x |
| 2022-12-31 | $30.33 | $47.27 | x |
| 2023-12-31 | $34.64 | $47.27 | x |
| 2024-12-31 | $32.26 | $47.27 | x |
| 2025-12-31 | $42.31 | $47.27 | 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): 16.28%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 46.97%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 12.85x
- Recent ROE (16.28%) is above the historical average (3.30%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | 7.60% | 6.35% | 0.06x | 18.50x | $-309.67 Million |
| 2004 | 16.12% | 16.42% | 0.05x | 19.11x | $849.93 Million |
| 2005 | 7.02% | 14.09% | 0.02x | 22.37x | $-1.05 Billion |
| 2006 | 14.16% | 11.48% | 0.06x | 21.40x | $1.60 Billion |
| 2007 | 10.22% | 10.57% | 0.05x | 17.70x | $128.93 Million |
| 2008 | 7.29% | 6.30% | 0.06x | 19.01x | $-1.49 Billion |
| 2009 | 2.85% | 3.69% | 0.05x | 15.56x | $-4.27 Billion |
| 2010 | 2.06% | 3.32% | 0.04x | 14.47x | $-5.10 Billion |
| 2011 | -17.88% | -22.97% | 0.04x | 18.00x | $-14.35 Billion |
| 2012 | 1.38% | 2.17% | 0.04x | 14.76x | $-5.41 Billion |
| 2013 | -29.89% | -39.38% | 0.04x | 17.68x | $-18.64 Billion |
| 2014 | 4.07% | 6.05% | 0.04x | 17.09x | $-2.93 Billion |
| 2015 | 3.38% | 6.22% | 0.03x | 17.18x | $-3.31 Billion |
| 2016 | -29.97% | -46.73% | 0.03x | 21.85x | $-15.72 Billion |
| 2017 | 9.22% | 22.77% | 0.03x | 14.10x | $-459.99 Million |
| 2018 | 7.28% | 16.53% | 0.03x | 14.76x | $-1.53 Billion |
| 2019 | 5.49% | 13.72% | 0.03x | 13.93x | $-2.77 Billion |
| 2020 | -4.68% | -12.59% | 0.02x | 15.65x | $-8.74 Billion |
| 2021 | 3.37% | 9.41% | 0.02x | 14.75x | $-4.12 Billion |
| 2022 | 10.20% | 24.14% | 0.03x | 13.54x | $124.10 Million |
| 2023 | 14.84% | 21.16% | 0.06x | 12.25x | $3.10 Billion |
| 2024 | 15.57% | 20.79% | 0.06x | 12.56x | $3.47 Billion |
| 2025 | 16.28% | 46.97% | 0.03x | 12.85x | $4.25 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: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| UniCredit SpA (UNCFF) | $68.08 Billion | 7.60% | 11.78x | $70.92 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |