Financials UniCredit S.p.A.

Equities

Real-time Borsa Italiana Other stock markets 04:37:37 2025-01-21 am EST			5-day change	1st Jan Change
42.88 ^EUR	-0.56%		+4.79%	+11.33%

02:32am	Markets bearish; focus on Generali	AN
01:26am	Anima, ECB spotlight on Banco BPM takeover bid	AN

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	18,839	17,140	17,954	20,343	23,843	24,632	23,894	23,988
Change	-	-9.02%	4.75%	13.31%	17.2%	3.31%	-3%	0.39%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	8,910	7,335	8,158	10,782	14,372	15,316	14,449	14,500
Change	-	-17.68%	11.22%	32.16%	33.3%	6.57%	-5.66%	0.36%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	3,065	-1,546	1,236	7,289	11,451	12,896	12,673	12,678
Change	-	-	-	489.72%	57.1%	12.62%	-1.73%	0.04%
Net income ¹	3,373	-2,785	1,540	6,458	9,507	9,366	9,114	9,060
Change	-	-	-	319.35%	47.21%	-1.49%	-2.69%	-0.59%
Announcement Date	2/6/20	2/10/21	1/28/22	1/31/23	2/5/24	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2019 Q3	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3
Net sales ¹	4,701	4,850	4,378	4,170	4,354	4,238	4,687	4,398	4,435	4,436	5,017	4,780	4,827	5,719	5,930	5,967	5,967	5,979	6,371	6,328	6,142	5,879	6,082	6,074	5,855
Change	-	3.17%	-9.73%	-4.75%	4.41%	-2.66%	10.59%	-6.17%	0.84%	0.02%	13.1%	-4.72%	0.98%	18.48%	3.69%	0.62%	0%	0.2%	6.56%	-0.67%	-2.94%	-4.27%	3.45%	-0.14%	-3.6%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	2,250	2,325	1,885	1,726	1,945	1,780	2,272	1,937	1,985	1,963	2,676	2,422	2,442	3,246	3,603	3,639	3,640	3,490	4,065	4,031	3,851	3,438	-	-	-
Change	-	3.33%	-18.92%	-8.44%	12.69%	-8.48%	27.64%	-14.74%	2.48%	-1.11%	36.32%	-9.49%	0.83%	32.92%	11%	1%	0.03%	-4.12%	16.48%	-0.84%	-4.47%	-10.72%	-100%	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,453	-958	-2,512	505	782	-322	1,207	1,371	1,430	-2,772	603	2,481	2,067	2,111	2,731	3,204	3,168	2,349	3,599	3,728	3,523	1,860	-	-	-
Change	-	-	162.21%	-	54.85%	-	-	13.59%	4.3%	-	-	311.44%	-16.69%	2.13%	29.37%	17.32%	-1.12%	-25.85%	53.21%	3.58%	-5.5%	-47.2%	-100%	-	-
Net income ¹	1,101	-835	-2,706	420	680	-1,179	887	1,034	1,058	-1,439	247	2,010	1,709	2,464	2,064	2,314	2,322	2,810	2,558	2,679	2,513	1,691	-	-	-
Change	-	-	224.07%	-	61.9%	-	-	16.57%	2.32%	-	-	713.77%	-14.98%	44.18%	-16.23%	12.11%	0.35%	21.02%	-8.97%	4.73%	-6.2%	-32.7%	-100%	-	-
Announcement Date	11/7/19	2/6/20	5/6/20	8/6/20	11/5/20	2/10/21	5/6/21	7/30/21	10/28/21	1/28/22	5/5/22	7/27/22	10/26/22	1/31/23	5/3/23	7/26/23	10/24/23	2/5/24	5/7/24	7/24/24	11/6/24	-	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2020 S1	2021 S1	2022 S1	2023 S1	2024 S1
Net sales ¹	8,548	9,084	9,796	11,897	12,699
Change	-	6.27%	7.84%	21.45%	6.74%
EBITDA	-	-	-	-	-
Change	-	-	-	-	-
EBIT ¹	3,610	4,209	5,094	7,242	8,096
Change	-	16.59%	21.03%	42.17%	11.79%
Charge d'intérêts	-	-	-	-	-
Earnings before Tax (EBT)	-2,007	2,578	3,112	-	-
Change	-	-	20.71%	-100%	-
Net income ¹	-2,286	1,921	2,285	-	5,237
Change	-	-	18.95%	-100%	-
Announcement Date	8/6/20	7/30/21	7/27/22	7/26/23	7/24/24

¹EUR in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	2/6/20	2/10/21	1/28/22	1/31/23	2/5/24	-	-	-

Estimates

Fiscal Period: December	2018	2019	2020	2021	2022	2023
CAPEX ¹	1,008	1,543	730	522	517	589
Change	-	53.15%	-52.69%	-28.49%	-0.96%	13.93%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	3/19/19	3/18/20	3/24/21	3/1/22	3/9/23	3/11/24

¹EUR in Million

Estimates

Fiscal Period: December	2018	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	47.3%	42.79%	45.44%	53%	60.28%	62.18%	60.47%	60.45%
EBT Margin (%)	-	16.27%	-9.02%	6.88%	35.83%	48.03%	52.36%	53.04%	52.85%
Net margin (%)	-	17.9%	-16.25%	8.58%	31.75%	39.87%	38.02%	38.14%	37.77%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.4%	-0.31%	0.17%	0.73%	1.16%	1.17%	1.11%	1.1%
ROE	-	5.73%	-4.61%	2.54%	10.29%	14.92%	14.97%	14.68%	14.68%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.63	0.12	-	-	1.795	2.385	3.111	3.415
Change	-	-	-80.95%	-	-	-	32.89%	30.43%	9.76%
Book Value Per Share ¹	-	26.65	26.6	27.87	32.73	-	38	41.2	43.94
Change	-	-	-0.2%	4.79%	17.43%	-	-	8.43%	6.63%
EPS ¹	-	1.508	-1.298	1.58	2.5	4.71	5.737	6.13	6.584
Change	-	-	-186.08%	-221.73%	58.23%	88.4%	21.81%	6.84%	7.41%
Nbr of stocks (in thousands)	-	2,223,696	2,227,581	2,226,130	1,935,270	1,713,440	1,540,017	1,540,017	1,540,017
Announcement Date	-	2/6/20	2/10/21	1/28/22	1/31/23	2/5/24	-	-	-