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UniCredit SpA (UNCFF)
OTHER OTC:UNCFF
Earnings Data
Report Date
Oct 28, 2025Before Open (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
1.82Last Year’s EPS
1.83Same Quarter Last Year
Strong Buy
Based on 8 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted UniCredit's strong financial performance, including record net profit and return on tangible equity, cost efficiency improvements, and successful strategic initiatives. However, challenges such as the termination of the BPM transaction, impact of interest rate decline on NII, and geopolitical volatility were also noted. Despite some challenges, the positive aspects, including upgraded guidance and strong capital generation, outweigh the negatives.Company Guidance -
Q3 2025
Record Net Profit and Return on Tangible Equity
UniCredit achieved a record net profit of EUR 3.3 billion in Q2 2025 and EUR 6.1 billion in the first half of 2025. The return on tangible equity was 20.6% in Q2 and 21.3% in the first half.
Core Revenue Growth
Core revenues, defined as NII, fees, and dividends, grew 1.3% year-over-year in Q2 and 1.5% in the first half of 2025.
Cost Efficiency Improvements
Operational efficiency improved with a cost/income ratio reaching less than 36%, and costs were reduced by 1.5% in Q2 and 1.4% in the first half of 2025.
Strong Capital Generation
UniCredit generated EUR 2.4 billion or 82 basis points of capital organically and EUR 3.4 billion or 119 basis points overall, with a CET1 ratio of 16.2% pro forma.
Successful Internalization and Partnerships
The internalization of life insurance in Italy was completed in Q2 2025, and the integration of Alpha Bank in Romania is planned for Q3 2025.
Upgraded Guidance for 2025 and 2027
UniCredit upgraded its 2025 guidance, expecting a net profit of circa EUR 10.5 billion and a distribution of at least EUR 9.5 billion. The 2027 ambition was also upgraded to reach at least EUR 11 billion in net profit.
UNCFF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
UNCFF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jul 22, 2025 | $67.70 | $70.32 | +3.87% |
Feb 11, 2025 | $48.92 | $47.21 | -3.50% |
Nov 06, 2024 | $44.16 | $41.56 | -5.89% |
Jul 24, 2024 | $40.33 | $40.29 | -0.10% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does UniCredit SpA (UNCFF) report earnings?
UniCredit SpA (UNCFF) is schdueled to report earning on Oct 28, 2025, Before Open (Confirmed).
What is UniCredit SpA (UNCFF) earnings time?
UniCredit SpA (UNCFF) earnings time is at Oct 28, 2025, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is UNCFF EPS forecast?
UNCFF EPS forecast for the fiscal quarter 2025 (Q3) is 1.82.