UniCredit SpA (WAR:UCG) Net Loan: zł2,538,190 Mil (As of Jun. 2026)

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WAR:UCG UniCredit SpA WAR:UCG
66 GF Score
Price zł363.25
GF Value zł193.46
Valuation Significantly Overvalued
! 7 Warning Signs
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What is UniCredit SpA Net Loan?

UniCredit SpA WAR:UCG -0.41% 66 Net Loan is zł2,538,190 Mil as of Jun. 2026. GuruFocus rates WAR:UCG with a GF Score™ of 66/100 and a GF Value™ of zł193.46 (Significantly Overvalued). The stock has 7 warning signs investors should review.

UniCredit SpA's quarterly net loan declined from Dec. 2025 (zł2,370,505 Mil) to Mar. 2026 (zł2,149,108 Mil) but then increased from Mar. 2026 (zł2,149,108 Mil) to Jun. 2026 (zł2,538,190 Mil).

UniCredit SpA's annual net loan increased from Dec. 2023 (zł2,309,521 Mil) to Dec. 2024 (zł2,149,108 Mil) and increased from Dec. 2024 (zł2,149,108 Mil) to Dec. 2025 (zł2,538,190 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 2,666,362.26 2,598,871.18 2,309,520.70 2,312,094.30 2,370,504.73

UniCredit SpA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 2,371,150.98 2,097,950.65 2,370,504.73 2,149,108.45 2,538,189.73
WAR:UCG
66GF Score
UniCredit SpA WAR:UCG
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 zł2,538,190 Mil mean?
UniCredit SpA (WAR:UCG) has a Net Loan of zł2,538,190 Mil as of Jun. 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 zł2,538,190 Mil. Overall, UniCredit SpA has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UniCredit SpA's Net Loan compare to competitors?
UniCredit SpA's Net Loan of zł2,538,190 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 zł2,538,190 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 (WAR:UCG) is currently considered Significantly Overvalued. The stock's GF Value™ is zł193.46, compared to a current price of zł363.25 — trading 87.8% above its estimated fair value. The current Net Loan is zł2,538,190 Mil. UniCredit SpA's overall GF Score™ is 66/100 with 7 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 (WAR:UCG), the current Net Loan is zł2,538,190 Mil as of Jun. 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 (WAR:UCG) Overvalued in 2026?

Based on GuruFocus' analysis, UniCredit SpA stock appears to be overvalued. The current stock price of zł363.25 is trading 87.8% above its estimated GF Value™ of zł193.46. GuruFocus considers UniCredit SpA to be Significantly Overvalued.

Key valuation signals for WAR:UCG:

  • Net Loan: zł2,538,190 Mil
  • GF Value™: zł193.46 vs. price of zł363.25 (87.8% above fair value)
  • GF Score™: 66/100 with 7 warning signs

No single metric tells the full story. See the WAR:UCG 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 SpA is a major European commercial bank headquartered in Milan, Italy. It operates through a network spanning Italy, Germany, Austria, and Central and Eastern Europe, serving retail, corporate, and institutional clients. Its business segments include commercial banking, wealth management, and investment banking, with brands such as HypoVereinsbank in Germany and Bank Austria. The bank offers deposits, lending, payment services, asset management, and insurance products. Revenue is generated primarily from net interest income and fees from retail and corporate banking, complemented by trading and investment banking activities. UniCredit serves millions of retail customers, small and medium-sized enterprises, and large corporations across Europe, with a particularly strong presence in Italy, Germany, Austria, and CEE markets.
66GF Score

Get the complete analysis for WAR:UCG

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

zł363.25
Price
zł193.46
GF Value