UniCredit S.p.A.
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 S.p.A. (UCG) - Net Assets
Latest net assets as of June 2025: zł68.42 Billion PLN
Based on the latest financial reports, UniCredit S.p.A. (UCG) has net assets worth zł68.42 Billion PLN as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł860.33 Billion) and total liabilities (zł791.91 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 | zł68.42 Billion |
| % of Total Assets | 7.95% |
| Annual Growth Rate | 7.47% |
| 5-Year Change | 4.84% |
| 10-Year Change | 17.49% |
| Growth Volatility | 36.61 |
UniCredit S.p.A. - Net Assets Trend (2003–2024)
This chart illustrates how UniCredit S.p.A.'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 S.p.A. (2003–2024)
The table below shows the annual net assets of UniCredit S.p.A. from 2003 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | zł62.84 Billion | -2.18% |
| 2023-12-31 | zł64.24 Billion | +1.17% |
| 2022-12-31 | zł63.50 Billion | +2.26% |
| 2021-12-31 | zł62.09 Billion | +3.59% |
| 2020-12-31 | zł59.94 Billion | -2.98% |
| 2019-12-31 | zł61.78 Billion | +8.84% |
| 2018-12-31 | zł56.77 Billion | -5.74% |
| 2017-12-31 | zł60.22 Billion | +39.45% |
| 2016-12-31 | zł43.19 Billion | -19.25% |
| 2015-12-31 | zł53.49 Billion | +1.23% |
| 2014-12-31 | zł52.84 Billion | +5.30% |
| 2013-12-31 | zł50.17 Billion | -24.50% |
| 2012-12-31 | zł66.45 Billion | +21.27% |
| 2011-12-31 | zł54.80 Billion | -19.06% |
| 2010-12-31 | zł67.70 Billion | +7.65% |
| 2009-12-31 | zł62.89 Billion | +7.99% |
| 2008-12-31 | zł58.24 Billion | -6.76% |
| 2007-12-31 | zł62.46 Billion | +46.14% |
| 2006-12-31 | zł42.74 Billion | +9.30% |
| 2005-12-31 | zł39.11 Billion | +157.88% |
| 2004-12-31 | zł15.16 Billion | +9.47% |
| 2003-12-31 | zł13.85 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to UniCredit S.p.A.'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 395.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | zł9.72 Billion | 15.57% |
| Common Stock | zł21.37 Billion | 34.22% |
| Other Components | zł31.35 Billion | 50.21% |
| Total Equity | zł62.44 Billion | 100.00% |
UniCredit S.p.A. Competitors by Market Cap
The table below lists competitors of UniCredit S.p.A. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
T-MOBILE US INC.DL-00001
XETRA:TM5
|
$99.60 Billion |
|
Northrop Grumman Corporation
NYSE:NOC
|
$100.27 Billion |
|
Reelcause Inc
PINK:RCIT
|
$100.28 Billion |
|
Mitsui & Company Ltd
PINK:MITSY
|
$101.34 Billion |
|
Canadian Natural Resources Ltd
NYSE:CNQ
|
$99.45 Billion |
|
Air Liquide SA
PA:AI
|
$99.38 Billion |
|
Zijin Mining Group Co Ltd Class A
SHG:601899
|
$99.09 Billion |
|
Semiconductor Manufacturing Intl Co
SHG:688981
|
$99.08 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in UniCredit S.p.A.'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.
- Share repurchases of 6,040,000,000 reduced equity.
- Other comprehensive income decreased equity by 42,871,000,000.
- Other factors increased equity by 42,504,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł9.72 Billion | +15.57% |
| Dividends Paid | zł4.95 Billion | -7.93% |
| Share Repurchases | zł6.04 Billion | -9.67% |
| Other Comprehensive Income | zł-42.87 Billion | -68.66% |
| Other Changes | zł42.50 Billion | +68.07% |
| Total Change | zł- | -2.56% |
Book Value vs Market Value Analysis
This analysis compares UniCredit S.p.A.'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: 7.48x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has increased from 5.07x to 7.48x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2003-12-31 | zł54.48 | zł276.00 | x |
| 2004-12-31 | zł59.37 | zł276.00 | x |
| 2005-12-31 | zł139.05 | zł276.00 | x |
| 2006-12-31 | zł98.86 | zł276.00 | x |
| 2007-12-31 | zł138.78 | zł276.00 | x |
| 2008-12-31 | zł110.79 | zł276.00 | x |
| 2009-12-31 | zł124.51 | zł276.00 | x |
| 2010-12-31 | zł116.83 | zł276.00 | x |
| 2011-12-31 | zł92.64 | zł276.00 | x |
| 2012-12-31 | zł58.39 | zł276.00 | x |
| 2013-12-31 | zł41.02 | zł276.00 | x |
| 2014-12-31 | zł43.05 | zł276.00 | x |
| 2015-12-31 | zł42.88 | zł276.00 | x |
| 2016-12-31 | zł32.63 | zł276.00 | x |
| 2017-12-31 | zł30.30 | zł276.00 | x |
| 2018-12-31 | zł25.05 | zł276.00 | x |
| 2019-12-31 | zł27.46 | zł276.00 | x |
| 2020-12-31 | zł26.72 | zł276.00 | x |
| 2021-12-31 | zł27.81 | zł276.00 | x |
| 2022-12-31 | zł30.33 | zł276.00 | x |
| 2023-12-31 | zł34.64 | zł276.00 | x |
| 2024-12-31 | zł36.88 | zł276.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently UniCredit S.p.A. 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: 40.51%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 12.56x
- Recent ROE (15.57%) is above the historical average (2.71%), 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% | 9.17% | 0.04x | 18.50x | zł-309.67 Million |
| 2004 | 15.18% | 20.21% | 0.04x | 18.94x | zł726.98 Million |
| 2005 | 7.76% | 27.01% | 0.01x | 22.36x | zł-788.85 Million |
| 2006 | 14.16% | 21.53% | 0.03x | 21.40x | zł1.60 Billion |
| 2007 | 10.33% | 21.18% | 0.03x | 17.70x | zł188.73 Million |
| 2008 | 7.29% | 14.75% | 0.03x | 19.01x | zł-1.49 Billion |
| 2009 | 2.85% | 5.94% | 0.03x | 15.56x | zł-4.27 Billion |
| 2010 | 2.06% | 4.88% | 0.03x | 14.47x | zł-5.10 Billion |
| 2011 | -17.88% | -35.29% | 0.03x | 18.00x | zł-14.35 Billion |
| 2012 | 1.38% | 3.29% | 0.03x | 14.76x | zł-5.41 Billion |
| 2013 | -29.81% | -52.85% | 0.03x | 18.06x | zł-18.65 Billion |
| 2014 | 4.07% | 8.55% | 0.03x | 17.09x | zł-2.93 Billion |
| 2015 | 3.38% | 7.27% | 0.03x | 17.18x | zł-3.31 Billion |
| 2016 | -29.97% | -60.24% | 0.02x | 21.85x | zł-15.72 Billion |
| 2017 | 9.22% | 27.70% | 0.02x | 14.10x | zł-459.99 Million |
| 2018 | 6.97% | 18.43% | 0.03x | 14.89x | zł-1.69 Billion |
| 2019 | 5.68% | 17.40% | 0.02x | 13.93x | zł-2.65 Billion |
| 2020 | -4.68% | -24.76% | 0.01x | 15.65x | zł-8.74 Billion |
| 2021 | 3.37% | 9.41% | 0.02x | 14.74x | zł-4.12 Billion |
| 2022 | 10.20% | 35.74% | 0.02x | 13.54x | zł124.10 Million |
| 2023 | 14.84% | 41.41% | 0.03x | 12.25x | zł3.10 Billion |
| 2024 | 15.57% | 40.51% | 0.03x | 12.56x | zł3.47 Billion |
Industry Comparison
This section compares UniCredit S.p.A.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $6,778,227,429
- Average return on equity (ROE) among peers: 16.38%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| UniCredit S.p.A. (UCG) | zł68.42 Billion | 7.60% | 11.57x | $99.58 Billion |
| Bank Handlowy w Warszawie SA (BHW) | $6.44 Billion | 11.43% | 5.56x | $877.27 Million |
| BNP Paribas Bank Polska S.A. (BNP) | $2.39 Billion | 4.22% | 9.24x | $937.85 Million |
| Bank Ochrony Środowiska SA (BOS) | $1.78 Billion | -3.38% | 10.69x | $82.77 Million |
| Getin Holding SA (GTN) | $176.11 Million | 73.29% | 3.26x | $14.47 Million |
| ING Bank Śląski SA (ING) | $18.62 Billion | 7.18% | 9.02x | $3.05 Billion |
| mBank SA (MBK) | $12.27 Billion | 10.60% | 9.06x | $3.25 Billion |
| Bank Millennium S.A. (MIL) | $5.77 Billion | 11.29% | 9.54x | $2.29 Billion |