SIREN : 428760847
UNICREDIT is a French company founded 26 years ago, specialized in the sector Autres intermédiations monétaires. this company of category PME shows in 2023 a revenue of 33.9 Mds€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|
| Revenue | 33 919 000 000 € | 16 339 000 000 € | 6 703 000 000 € | 855 647 000 000 € |
| Net income | 9 534 000 000 € | 6 473 000 000 € | 1 570 000 000 € | 0 € |
| EBITDA | 33 919 000 000 € | 16 339 000 000 € | 6 703 000 000 € | 844 168 000 000 € |
| Net margin | 28.1% | 39.6% | 23.4% | 0.0% |
In 2023, UNICREDIT achieves revenue of 33.9 Bn€. Revenue is declining over the period 2020-2023 (CAGR: -65.9%). Vs 2022, growth of +108% (16.3 Bn€ -> 33.9 Bn€). After deducting consumption (0 €), gross margin stands at 33.9 Bn€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 33.9 Bn€, representing 100.0% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 9.5 Bn€, i.e. 28.1% of revenue. This profit can be retained or distributed to shareholders.
33 919 000 000 €
33 919 000 000 €
33 919 000 000 €
23 228 000 000 €
9 534 000 000 €
100.0%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 4%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 64.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
3.922%
64.244%
0.0
In 2023, the debt ratio of UNICREDIT (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2023, the financial autonomy of UNICREDIT (3.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2023, the repayment capacity of UNICREDIT (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 4.2x. Financial charges are adequately covered by operations.
0.0
4.237
In 2023, the liquidity ratio of UNICREDIT (0.00) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2023, the interest coverage of UNICREDIT (4.2x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. WCR is negative (-6885 days): operations structurally generate cash. Over 2020-2023, WCR increased by +31%, requiring additional financing.
-648 698 161 480 €
0 j
0 j
0 j
-6885 j
Based on 94 transactions of similar company sales
in 2023,
the value of UNICREDIT is estimated at
111 849 242 443 €
(range 53 293 355 437€ - 201 552 824 263€).
With an EBITDA of 33 919 000 000€, the sector multiple of 5.3x is applied.
The price/revenue ratio is 0.39x
(conservative valuation).
This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 94 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare UNICREDIT with other companies in the same sector:
Voir toutes les statistiques du secteur Autres intermédiations monétaires
The revenue of UNICREDIT in 2023 is 33.9 Mds€.
Yes, UNICREDIT generated a net profit of 9.5 Mds€ in 2023.
The headquarters of UNICREDIT is located in address not disclosed.
The tax return of UNICREDIT is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).
UNICREDIT operates in the sector Autres intermédiations monétaires (NAF code 64.19Z). See the 'Sector positioning' section above to compare the company with its competitors.