UCG.WA
HoldUnloved QualityAI neutralUniCredit S.p.A. · Financial Services · Italy · $119.3B cap · $208K/day traded
PLN 325.60 +4.2% · close 26 Oct · scored 27 Oct
Unloved Quality: Strong and cheap; the market has not turned yet.
As of 27 Oct 2026, MoatMap's StockRank for UniCredit S.p.A. (UCG.WA) is 63/100, ranked against 24,000+ stocks in 35 markets (Quality 59, Value 51, Momentum 47, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
UniCredit is one of Europe's most profitable large banks and benefits from interest rates staying higher for longer, which supports net interest income and capital returns. The story is now dominated by deal-making: reports say it aims for control of Commerzbank from January while the German government has rejected the approach as aggressive, and there are reports of talks with Crédit Agricole involving Banco BPM. The outcome of these contests, and the price paid, will shape returns more than the underlying bank does.
ABOUT UNICREDIT S.P.A.
Read
UniCredit S.p.A. is a major pan-European commercial bank with core operations in Italy, Germany, Austria, and Central and Eastern Europe. The bank serves millions of clients through an integrated corporate and retail banking network. Its competitive advantage is driven by its strong corporate banking franchise, geographical diversification in high-growth CEE markets, and a highly optimized capital structure.
FINANCIAL SUMMARY (PLN)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 92.7B | 111.7B | 117.1B | 110.3B | 6.0% | 110.0B | 118.5B | 125.2B | 6.5% |
| EPS (PLN) | 13.59 | 22.49 | 25.73 | 30.35 | 30.7% | 29.86 | — | — | — |
| Shares | 1.9B | 1.8B | 1.6B | 1.6B | -19.5% | 1.5B | — | — | — |
| Debt | 508.6B | 539.7B | 540.6B | 572.4B | 4.0% | 1.1T | — | — | — |
| Equity | 279.0B | 282.3B | 275.1B | 298.3B | 2.2% | — | — | — | — |
| Op CF | 45.2B | -181.2B | -31.2B | 37.6B | -6.0% | 78.5B | — | — | — |
| Inv CF | -1.0B | -3.5B | -4.7B | -17.7B | — | — | — | — | — |
| Fin CF | -24.5B | -37.2B | -48.4B | -35.1B | — | — | — | — | — |
Above its 200-day average and 14% below its 52-week high.
The Momentum score still reads 47: it weighs six months of price and earnings revisions, so it trails a turn like this.
Calmer than 70% of stocks we rank over the past year (32% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UCG.WA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UCG.WA | UniCredit S.p.A.(you) | $119.3B | 63 | Hold |
| BNP.SW | BNP Paribas SA | $110.6B | 63 | Hold |
| ITUB4.SA | Itaú Unibanco Holding S.A. | $106.5B | 62 | Hold |
| ICICIBANK.NS | ICICI Bank Limited | $105.4B | 60 | Hold |
| O39.SI | Oversea-Chinese Banking Corporation Limited | $102.0B | 67 | Buy |
| PNC | The PNC Financial Services Group, Inc. | $89.5B | 62 | Hold |
| D05.SI | DBS Group Holdings Ltd | $165.7B | 66 | Buy |
| LLOY.L | Lloyds Banking Group plc | $77.2B | 64 | Hold |
| 601658.SS | Postal Savings Bank of China Co., Ltd. | $98.7B | 72 | Buy |
| 1DBK.MI | Deutsche Bank Aktiengesellschaft | $65.1B | 63 | Hold |
Peer medians: ROE 10.2% · P/E 12.1x · Gross margin 70.5%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.