PWLBtoday
Counterparty/UniCredit S.p.A.
Built 2026-09-14 17:10 UTCBeta
UN

UniCredit S.p.A.

Bank · ItalyBBB+ · LEI 549300TRUWO2CD2G5692
Counterparty scoreBand B
69
20th percentile of 41 peers
coverage100% of the method
Rating69w 40
Capital79w 25
Liquidity67w 15
Stability0w 10
Assets60w 5
Profit90w 5
Rating anchor and public pillars with published weights (w). Market overlay +4.0, bounded at ±10. Method
Agency ratingscompositeA-Stable (bonds)
Fitch
A-▶
ST F2
2026-07-20
S&P
A-▲
ST A-2
2026-07-15
Moody's
A3▶
ST P-2 · deposit
2026-07-21
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
14.2%
−0.6 vs prior2026-03-31
Leverage ratio
5.2%
−0.2 vs prior2026-03-31
Total capital
18.8%
−0.2 vs prior2026-03-31
LCR
141%
−0.5 vs prior2026-03-31
NSFR
124%
−0.7 vs prior2026-03-31
Risk-weighted assets
298.9bn
+0.9% vs prior2026-03-31
16 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Asset quality
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
7upgrades
2downgrades
1.0notch stronger
20162017201820192020202120222023202420252026A-BBB+BBBcomposite BBB+ from 2015-07-01composite BBB from 2017-04-27composite BBB+ from 2024-10-31composite A- from 2025-10-09A-COMPOSITEFitchFitch BBB+ from 2015-07-01 to 2017-04-27BBB+Fitch BBB from 2017-04-27 to 2020-05-12BBBFitch BBB- from 2020-05-12 to 2021-12-17BBB-Fitch BBB from 2021-12-17 to 2024-10-31BBBFitch BBB+ from 2024-10-31 to 2025-09-25BBB+Fitch A- from 2025-09-25, stillA-Fitch: negative outlook from 2016-03-24Fitch: stable outlook from 2017-04-27Fitch: negative outlook from 2018-09-05Fitch: stable outlook from 2020-05-12Fitch: positive outlook from 2024-10-31Fitch: stable outlook from 2025-09-25A-S&PS&P BBB- from 2015-07-01 to 2017-10-31BBB-S&P BBB from 2017-10-31 to 2025-04-18BBBS&P BBB+ from 2025-04-18 to 2025-10-09BBB+S&P A- from 2025-10-09, stillA-S&P: stable outlook from 2015-07-03S&P: negative outlook from 2018-10-30S&P: stable outlook from 2019-07-15S&P: negative outlook from 2020-04-29S&P: stable outlook from 2021-06-24S&P: positive outlook from 2021-11-23S&P: stable outlook from 2022-07-29S&P: positive outlook from 2025-04-18S&P: stable outlook from 2025-10-09S&P: positive outlook from 2026-02-02A-Moody'sMoody's Baa1 from 2015-07-01 to 2025-11-25Baa1Moody's A3 from 2025-11-25, stillA3Moody's: stable outlook from 2015-07-01Moody's: positive outlook from 2018-01-08Moody's: stable outlook from 2018-10-23Moody's: negative outlook from 2022-08-09Moody's: stable outlook from 2023-11-21Moody's: positive outlook from 2025-05-27Moody's: stable outlook from 2025-11-25A3
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2025-11-25↑Moody's upgrade Baa1 → A3 · 1 notch
  • 2025-10-09↑S&P upgrade BBB+ → A- · 1 notch
  • 2025-09-25↑Fitch upgrade BBB+ → A- · 1 notch
  • 2025-04-18↑S&P upgrade BBB → BBB+ · 1 notch
  • 2024-10-31↑Fitch upgrade BBB → BBB+ · 1 notch
  • 2021-12-17↑Fitch upgrade BBB- → BBB · 1 notch
  • 2020-05-12↓Fitch downgrade BBB → BBB- · 1 notch
  • 2017-10-31↑S&P upgrade BBB- → BBB · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
Fitchissuer default · long-termA-stable2026-07-20
Fitchissuer default · short-termF2—2026-07-20
Moody'scounterparty · long-termA3—2026-07-21
Moody'sdeposit · long-termA3stable2026-07-21
Moody'scounterparty · short-termP-2—2026-07-21
Moody'sdeposit · short-termP-2—2026-07-21
S&Pissuer credit · long-termA-positive2026-07-15
S&Presolution counterparty · long-termA—2026-07-15
S&Pissuer credit · short-termA-2—2026-07-15
S&Presolution counterparty · short-termA-1—2026-07-15
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 monthsEUR
53.3562.7572.1581.5590.9525-09: 66.5125-09: 65.9625-09: 66.6225-09: 65.0225-09: 65.4425-10: 63.4125-10: 64.4325-10: 62.9325-10: 63.3425-10: 61.3325-10: 63.1525-11: 64.4025-11: 66.6425-11: 64.0125-11: 62.8525-11: 64.1225-12: 65.4225-12: 65.7425-12: 69.0325-12: 70.4625-12: 70.9226-01: 70.3526-01: 71.4526-01: 71.5226-01: 71.7626-01: 72.2426-02: 76.2126-02: 76.5526-02: 71.7226-02: 73.9326-02: 73.7626-03: 68.7926-03: 68.8126-03: 63.8426-03: 59.6326-03: 61.1626-04: 64.2926-04: 66.8926-04: 70.2026-04: 67.0126-04: 64.3926-05: 64.0626-05: 70.5026-05: 72.3526-05: 72.2726-05: 73.4626-06: 73.7226-06: 73.1526-06: 70.4126-06: 79.5726-06: 78.8826-06: 76.7626-07: 81.9626-07: 81.9226-07: 81.2926-07: 82.6226-07: 81.7426-07: 81.6126-08: 84.7326-08: 84.7526-08: 83.3826-08: 84.1326-08: 84.7126-09: 84.6426-09: 84.2284.2225-0925-1025-1226-0226-0426-0626-09
30-day realised volatility17.7%
Drawdown from 52-week high-2.1%
Market signal Stable (bonds)
Last price2026-09-14
Bond yields vs peers, 31-day−3 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-09-14
German finance minister lays out demands to UniCredit CEO on possible Commerzbank takeover - Euronext Markets: Real-time Stock Market Data | live
Euronext Markets: Real-time Stock Market Data | live
info
2026-09-14
Germany Outlines Demands for UniCredit Takeover of Commerzbank - Bloomberg.com
Bloomberg.com
info
2026-09-14
Germany seeks guarantees from Italy’s UniCredit over Commerzbank takeover - Macau Business
Macau Business
info
2026-09-14
German finance minister lays out demands to UniCredit CEO on poss - Global Banking & Finance Review
Global Banking & Finance Review
info
2026-09-14
Watch UniCredit's Orcel to Meet German Finance Minister - Bloomberg.com
Bloomberg.com
info
2026-09-13
UniCredit Targets Crypto Infrastructure as It Negotiates Commerzbank Takeover - InsuranceNewsNet
InsuranceNewsNet
info
2026-09-11
Commerzbank's Future Hangs in Balance Amid UniCredit's Takeover Bid - Devdiscourse
Devdiscourse
info
2026-09-11
US to sanction unnamed bank over dealings with Iran; Berlin sets conditions as UniCredit closes in on Commerzbank - TheBanker.com
TheBanker.com
warn
2026-09-11
Berlin sets Commerzbank safeguards as UniCredit takeover advances - EU Today
EU Today
info
2026-09-10
UniCredit acquires a minority of Germany’s fintech VC Trade - BeBeez International
BeBeez International
info
2026-09-10
UniCredit okays capital increase for Commerzbank bid - Breakingthenews.net
Breakingthenews.net
info
2026-09-08
UniCredit gets ECB approval to use Danish Compromise on insurance holdings - AOL.com
AOL.com
info
2026-09-08
ECB approval gives UniCredit 52-basis-point capital boost - EU Today
EU Today
info
2026-09-08
UniCredit to use Danish compromise for capital calculation - International Financing Review
International Financing Review
info
2026-09-08
UniCredit Secures ECB Approval for Danish Compromise to Boost Capital Ratios - FF News
FF News
info
2026-09-08
Unicredit secures ECB approval for the ‘Danish compromise’ - Il Sole 24 ORE
Il Sole 24 ORE
info
2026-09-08
UniCredit gets ECB approval to use Danish Compromise on insurance holdings - Euronext Markets: Real-time Stock Market Data | live
Euronext Markets: Real-time Stock Market Data | live
info
2026-09-08
Unicredit secures ECB approval for the ‘Danish compromise’. What has changed and why is it important for banking risk management? - Il Sole 24 ORE
Il Sole 24 ORE
info
2026-09-08
UniCredit gets ECB approval to use lighter capital rules on insurance holdings - reuters.com
reuters.com
info
2026-08-31
How UniCredit CEO outmanoeuvred Germany on Commerzbank - The Irish Times
The Irish Times
info
2026-08-28
How UniCredit CEO outmanoeuvred Germany on Commerzbank - Euronext Markets: Real-time Stock Market Data | live
Euronext Markets: Real-time Stock Market Data | live
info
2026-08-27
Exclusive-German minister is set to meet UniCredit's CEO in first direct Commerzbank talks - Euronext Markets: Real-time Stock Market Data | live
Euronext Markets: Real-time Stock Market Data | live
info
2026-08-27
How UniCredit CEO outmanoeuvred Germany on Commerzbank - reuters.com
reuters.com
info
2026-08-26
Germany and UniCredit to talk about Commerzbank amid takeover battle - uk.finance.yahoo.com
uk.finance.yahoo.com
info
2026-08-26
UniCredit CEO to Meet German Finance Minister in Win for Orcel - Bloomberg.com
Bloomberg.com
info
2026-08-23
Commerzbank Chair Urges Germany to Review Takeover Rules After UniCredit Gains Influence - Межа. Новини України.
Межа. Новини України.
info
2026-08-23
Commerzbank chair calls for review of German takeover rules after UniCredit bid - reuters.com
reuters.com
info
2026-08-23
Commerzbank chair calls for review of German takeover rules after UniCredit bid - Euronext Markets: Real-time Stock Market Data | live
Euronext Markets: Real-time Stock Market Data | live
info
2026-08-12
EXCLUSIVE: ECB leaning towards approving UniCredit's Commerzbank bid, document shows - reuters.com
reuters.com
info
2026-08-10
UniCredit, Commerzbank CEOs Kick Off Talks on Control Change - Bloomberg.com
Bloomberg.com
info
2026-08-07
Commerzbank CEO says UniCredit takeover could benefit both parties - FStech
FStech
info
2026-08-06
Commerzbank CEO urges joint approach amid UniCredit takeover attempt - CNBC
CNBC
info
2026-08-06
UniCredit, Commerzbank CEOs briefly spoke but did not start merger talks, source says - Reuters
Reuters
info
2026-08-06
Commerzbank CEO says takeover by UniCredit can create value - Reuters
Reuters
info
2026-08-04
UniCredit’s Commerzbank Bid Passes Milestone With Bafin Nod - bloomberg.com
bloomberg.com
info
2026-07-27
Commerzbank chair ready for takeover talks with UniCredit - FStech
FStech
info
2026-07-27
Indonesian central bank governor steps down; Commerzbank drops resistance to UniCredit takeover talks - TheBanker.com
TheBanker.com
info
2026-07-24
Commerzbank chair calls for talks with UniCredit after takeover battle - Financial Times
Financial Times
info
2026-07-24
Commerzbank chairman says bank is ready for takeover talks with UniCredit - Euronext Markets: Real-time Stock Market Data | live
Euronext Markets: Real-time Stock Market Data | live
info
2026-07-24
Commerzbank chairman says bank is ready for takeover talks with UniCredit - reuters.com
reuters.com
info
2026-07-23
UniCredit profit beats forecasts as Commerzbank stake nears 50%; BNP Paribas profit rises on equities trading surge - TheBanker.com
TheBanker.com
good
2026-07-23
UniCredit CEO tells CNBC acquisition of Commerzbank could happen in fourth quarter - CNBC
CNBC
info
2026-07-21
Moody's affirmation: Deposit Rating A3
ESMA European Rating Platform
info
2026-07-21
Moody's affirmation: Deposit Rating P-2
ESMA European Rating Platform
info
2026-07-21
Moody's affirmation: Counterparty Risk Rating A3
ESMA European Rating Platform
info
2026-07-21
Moody's affirmation: Counterparty Risk Rating P-2
ESMA European Rating Platform
info
2026-07-21
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2026-07-20
Fitch affirmation: Derivative Counterparty Rating A-(dcr)
ESMA European Rating Platform
info
2026-07-20
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-07-20
Fitch affirmation: Long Term Issuer Default Rating A-
ESMA European Rating Platform
info
2026-07-20
Fitch affirmation: Short Term Issuer Default Rating F2
ESMA European Rating Platform
info
2026-07-15
S&P affirmation: Issuer Credit Rating A-
ESMA European Rating Platform
info
2026-07-15
S&P affirmation: Issuer Credit Rating A-2
ESMA European Rating Platform
info
2026-07-15
S&P affirmation: Certificate Of Deposit A-
ESMA European Rating Platform
info
2026-07-15
S&P affirmation: Resolution Counterparty Rating A
ESMA European Rating Platform
info
2026-07-15
S&P affirmation: Resolution Counterparty Rating A-1
ESMA European Rating Platform
info
2026-07-15
S&P maintained under positive outlook: Issuer Credit Rating
ESMA European Rating Platform
good
2026-07-12
Deutsche Bank and UniCredit sue Linde over Russia sanctions losses - Financial Times
Financial Times
warn
2026-07-09
Business - UniCredit closes in on Commerzbank takeover - france24.com
france24.com
info
2026-06-19
Commerzbank shares tendered in UniCredit takeover bid inch up - Euronext Markets: Real-time Stock Market Data | live
Euronext Markets: Real-time Stock Market Data | live
info

Documents and feeds

EBA Transparency Exercise · published data file
10 documents · 7 metrics · 2015-12-31 to 2024-06-30
Latest source
Yahoo Finance fundamentals · public API
1 document · 6 metrics · 2022-12-31 to 2026-06-30
Latest source
EBA Pillar 3 Data Hub · tagged XBRL filing
1 document · 8 metrics · 2025-06-30 to 2026-03-31
Latest source
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
3 documents · 4 metrics · 2021-12-31 to 2024-12-31
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio14.192026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Total deposits (currency millions)516,237.002026-06-30Yahoo Finance fundamentals · public API0.80
Cost-to-income or efficiency ratio45.202025-12-31Yahoo Finance fundamentals · public API0.70
Liquidity coverage ratio141.362026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Leverage ratio5.172026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Net interest margin1.712025-12-31Yahoo Finance fundamentals · public API0.70
Non-performing or noncurrent loan ratio2.402024-06-30EBA Transparency Exercise · published data file0.85
Net stable funding ratio124.102026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Overall capital requirement14.582026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Return on assets1.322025-12-31Yahoo Finance fundamentals · public API0.80
Return on equity16.772025-12-31Yahoo Finance fundamentals · public API0.80
Risk-weighted assets (currency millions)298,933.802026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Tier 1 capital ratio16.182026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Total assets (currency millions)932,091.002026-06-30Yahoo Finance fundamentals · public API0.80
Total capital ratio18.792026-03-31EBA Pillar 3 Data Hub · tagged XBRL filing1.00