UniCredit SpA (LTS:0RLS) Net Loan: €500,321 Mil (As of Mar. 2026)

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LTS:0RLS UniCredit SpA LTS:0RLS
64 GF Score
Price €81.78
GF Value €46.07
Valuation Significantly Overvalued
! 5 Warning Signs
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What is UniCredit SpA Net Loan?

UniCredit SpA LTS:0RLS -0.92% 64 Net Loan is €500,321 Mil as of Mar. 2026. GuruFocus rates LTS:0RLS with a GF Score™ of 64/100 and a GF Value™ of €46.07 (Significantly Overvalued). The stock has 5 warning signs investors should review.

UniCredit SpA's quarterly net loan declined from Sep. 2025 (€497,518 Mil) to Dec. 2025 (€426,278 Mil) but then increased from Dec. 2025 (€426,278 Mil) to Mar. 2026 (€500,321 Mil).

UniCredit SpA's annual net loan increased from Dec. 2023 (€409,659 Mil) to Dec. 2024 (€426,278 Mil) and increased from Dec. 2024 (€426,278 Mil) to Dec. 2025 (€500,321 Mil).

UniCredit SpA Net Loan Historical Data

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The historical data trend for UniCredit SpA's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

UniCredit SpA Net Loan Chart

UniCredit SpA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 443,606.00 433,748.00 409,659.00 410,089.00 426,278.00

UniCredit SpA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 479,247.00 418,433.00 497,518.00 426,278.00 500,321.00
LTS:0RLS
64GF Score
UniCredit SpA LTS:0RLS
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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UniCredit SpA Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €500,321 Mil mean?
UniCredit SpA (LTS:0RLS) has a Net Loan of €500,321 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on UniCredit SpA and its competitors.
Is UniCredit SpA's Net Loan too high?
UniCredit SpA's current Net Loan is €500,321 Mil. Overall, UniCredit SpA has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UniCredit SpA's Net Loan compare to PNC?
UniCredit SpA's Net Loan of €500,321 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on UniCredit SpA and its competitors. UniCredit SpA's current Net Loan is €500,321 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit SpA stock overvalued right now?
Based on GuruFocus' analysis, UniCredit SpA (LTS:0RLS) is currently considered Significantly Overvalued. The stock's GF Value™ is €46.07, compared to a current price of €81.78 — trading 77.5% above its estimated fair value. The current Net Loan is €500,321 Mil. UniCredit SpA's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For UniCredit SpA (LTS:0RLS), the current Net Loan is €500,321 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is UniCredit SpA (LTS:0RLS) Overvalued in 2026?

Based on GuruFocus' analysis, UniCredit SpA stock appears to be overvalued. The current stock price of €81.78 is trading 77.5% above its estimated GF Value™ of €46.07. GuruFocus considers UniCredit SpA to be Significantly Overvalued.

Key valuation signals for LTS:0RLS:

  • Net Loan: €500,321 Mil
  • GF Value™: €46.07 vs. price of €81.78 (77.5% above fair value)
  • GF Score™: 64/100 with 5 warning signs

No single metric tells the full story. See the LTS:0RLS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

UniCredit SpA Business Description

Address Piazza Gae Aulenti 3, Tower A, Milan, ITA, 20154
UniCredit is one of the two largest Italian retail and commercial banks, but roughly half of its operations are outside Italy. UniCredit has a strong presence in Germany, Austria, and Central and Eastern Europe. It generates most of its revenue from retail banking but also maintains a sizable corporate and investment bank. It is is expanding its reach into asset management and insurance.
64GF Score

Get the complete analysis for LTS:0RLS

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€81.78
Price
€46.07
GF Value