UniCredit SpAUNCFF -1.66%67 PB Ratio is 1.65 as of Jun. 26, 2026, which is 244% above its 10-year median of 0.48. GuruFocus rates UNCFF with a GF Score™ of 67/100 and a GF Value™ of $55.13 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,516 Banks companies, UniCredit SpA ranks worse than 84.63% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), UniCredit SpA's share price is $87.22. UniCredit SpA's Book Value per Share for the quarter that ended in Mar. 2026 was $52.80. Hence, UniCredit SpA's PB Ratio of today is 1.65.
Warning Sign:
UniCredit SpA stock PB Ratio (=1.74) is close to 10-year high of 1.74.
The historical rank and industry rank for UniCredit SpA's PB Ratio or its related term are showing as below:
UNCFF'
s PB Ratio Range Over the Past 10 Years
Min: 0.23 Med: 0.48 Max: 1.76
Current: 1.66
During the past 13 years, UniCredit SpA's highest PB Ratio was 1.76. The lowest was 0.23. And the median was 0.48.
UNCFF's PB Ratio is ranked worse than 84.63% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs UNCFF: 1.66
During the past 12 months, UniCredit SpA's average Book Value Per Share Growth Rate was 8.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of UniCredit SpA was 25.40% per year. The lowest was -28.40% per year. And the median was -1.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
UniCredit SpA PB Ratio Related Terms
UniCredit SpA PB Ratio Historical Data
* Premium members only.
The historical data trend for UniCredit SpA's PB Ratio 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.
For the Banks - Regional subindustry, UniCredit SpA's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UniCredit SpA PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit SpA's PB Ratio distribution charts can be found below:
* The bar in red indicates where UniCredit SpA's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
UniCredit SpA's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
UniCredit SpA (UNCFF) has a PB Ratio of 1.65 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on UniCredit SpA and its competitors. This is 244% above median its historical median of 0.48. Over the past decade, UniCredit SpA's PB Ratio has ranged from 0.23 to 1.76. According to the industry distribution chart, UniCredit SpA ranks #1283 out of 1516 companies in the Banks industry, placing it in the top 84.6%.
Is UniCredit SpA's PB Ratio too high?
UniCredit SpA's current PB Ratio of 1.65 is 244% above median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 1.76. The Banks industry median PB Ratio is 1.09. UniCredit SpA's value of 1.65 is 51.4% above this industry median. Based on the distribution chart, UniCredit SpA ranks #1283 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, UniCredit SpA has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UniCredit SpA's PB Ratio compare to PNC?
According to the Banks industry distribution chart, UniCredit SpA ranks #1283 out of 1516 companies for PB Ratio. This places UniCredit SpA in the lower half of its industry. The industry median PB Ratio is 1.09. UniCredit SpA's value of 1.65 is 51.4% above this benchmark. Historically, UniCredit SpA's own PB Ratio has ranged from 0.23 to 1.76 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 1.09, UniCredit SpA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UniCredit SpA's current PB Ratio of 1.65 is 51.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on UniCredit SpA and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UniCredit SpA's current PB Ratio is 1.65, which is 244% above median its own 10-year median of 0.48. 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 (UNCFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $55.13, compared to a current price of $87.22 — trading 58.2% above its estimated fair value. The current PB Ratio is 1.65, which is 244% above median its 10-year median of 0.48 and 51.4% above the Banks industry median of 1.09. UniCredit SpA's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For UniCredit SpA (UNCFF), the current PB Ratio is 1.65 as of Jun. 26, 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 (UNCFF) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit SpA stock appears to be overvalued.
The current stock price of $87.22 is trading 58.2% above its estimated GF Value™ of $55.13.
GuruFocus considers UniCredit SpA to be Significantly Overvalued.
Key valuation signals for UNCFF:
PB Ratio: 1.65 (244% above median its 10-year median of 0.48)
GF Value™: $55.13 vs. price of $87.22 (58.2% above fair value)
Industry Position: 51.4% above the Banks median (#1283 of 1516)
No single metric tells the full story. See the UNCFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
67GF Score
Get the complete analysis for UNCFF
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