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UniCredit SpA has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
UniCredit SpA displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate UniCredit SpA's interest coverage with the available data.
UniCredit SpA's debt to revenue ratio for the quarter that ended in Jun. 2026 was 5.45.
Altman Z-Score does not apply to banks and insurance companies.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
UniCredit SpA has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 (LTS:0RLS) has a Financial Strength of 2 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on UniCredit SpA and its competitors. This is near median its historical median of 2.00. Over the past decade, UniCredit SpA's Financial Strength has ranged from 2.00 to 5.00.
Is UniCredit SpA's Financial Strength too high?
UniCredit SpA's current Financial Strength of 2 is near median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.00. 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 Financial Strength compare to PNC?
UniCredit SpA's Financial Strength of 2 can be compared against companies in the Banks industry. Historically, UniCredit SpA's own Financial Strength has ranged from 2.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on UniCredit SpA and its competitors. UniCredit SpA's current Financial Strength is 2, which is near median its own 10-year median of 2.00. 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 €49.56, compared to a current price of €85.04 — trading 71.6% above its estimated fair value. The current Financial Strength is 2, which is near median its 10-year median of 2.00. 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 Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For UniCredit SpA (LTS:0RLS), the current Financial Strength is 2 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 (LTS:0RLS) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit SpA stock appears to be overvalued.
The current stock price of €85.04 is trading 71.6% above its estimated GF Value™ of €49.56.
GuruFocus considers UniCredit SpA to be Significantly Overvalued.
Key valuation signals for LTS:0RLS:
Financial Strength: 2 (near median its 10-year median of 2.00)
GF Value™: €49.56 vs. price of €85.04 (71.6% above fair value)
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 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.
66GF Score
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