UniCredit SpAFRA:CRIP -1.53%65 Pretax Margin % is 60.95% as of Mar. 2026, which is 230% above its 10-year median of 18.46. GuruFocus rates FRA:CRIP with a GF Score™ of 65/100 and a GF Value™ of $23.00 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, UniCredit SpA ranks better than 87.88% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. UniCredit SpA's Pre-Tax Income for the
three
months ended in Mar. 2026 was $4,984 Mil. UniCredit SpA's Revenue for the
three
months ended in Mar. 2026 was $8,177 Mil. Therefore, UniCredit SpA's pretax margin for the quarter that ended in Mar. 2026 was 60.95%.
The historical rank and industry rank for UniCredit SpA's Pretax Margin % or its related term are showing as below:
FRA:CRIP'
s Pretax Margin % Range Over the Past 10 Years
Min: -57.46 Med: 18.46 Max: 54.64
Current: 54.64
FRA:CRIP's Pretax Margin % is ranked better than 87.88% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs FRA:CRIP: 54.64
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
UniCredit SpA Pretax Margin % Related Terms
UniCredit SpA Pretax Margin % Historical Data
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The historical data trend for UniCredit SpA's Pretax Margin % 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 Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit SpA's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where UniCredit SpA's Pretax Margin % falls into.
* 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 (FRA:CRIP) has a Pretax Margin % of 60.95% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on UniCredit SpA and its competitors. This is 230% above median its historical median of 18.46. According to the industry distribution chart, UniCredit SpA ranks #185 out of 1527 companies in the Banks industry, placing it in the top 12.1%.
Is UniCredit SpA's Pretax Margin % too high?
UniCredit SpA's current Pretax Margin % of 60.95% is 230% above median its 10-year median of 18.46. The Banks industry median Pretax Margin % is 34.88. UniCredit SpA's value of 60.95% is 74.7% above this industry median. Based on the distribution chart, UniCredit SpA ranks #185 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, UniCredit SpA has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UniCredit SpA's Pretax Margin % compare to PNC?
According to the Banks industry distribution chart, UniCredit SpA ranks #185 out of 1527 companies for Pretax Margin %. This places UniCredit SpA in the top 12% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. UniCredit SpA's value of 60.95% is 74.7% above this benchmark. While the company's 10-year median is 18.46 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UniCredit SpA's current Pretax Margin % of 60.95% is 74.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on UniCredit SpA and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UniCredit SpA's current Pretax Margin % is 60.95%, which is 230% above median its own 10-year median of 18.46. 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 (FRA:CRIP) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.00, compared to a current price of $38.20 — trading 66.1% above its estimated fair value. The current Pretax Margin % is 60.95%, which is 230% above median its 10-year median of 18.46 and 74.7% above the Banks industry median of 34.88. UniCredit SpA's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For UniCredit SpA (FRA:CRIP), the current Pretax Margin % is 60.95% 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 (FRA:CRIP) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit SpA stock appears to be overvalued.
The current stock price of $38.20 is trading 66.1% above its estimated GF Value™ of $23.00.
GuruFocus considers UniCredit SpA to be Significantly Overvalued.
Key valuation signals for FRA:CRIP:
Pretax Margin %: 60.95% (230% above median its 10-year median of 18.46)
GF Value™: $23.00 vs. price of $38.20 (66.1% above fair value)
Industry Position: 74.7% above the Banks median (#185 of 1527)
No single metric tells the full story. See the FRA:CRIP 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.
65GF Score
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