UniCredit Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	39,747	55,005	53,490	22,054	16,315
Net Interest Income Growth	-27.74%	2.83%	142.54%	35.18%	-3.27%
Non-Interest Income	13,873	9,800	9,181	9,858	6,875
Non-Interest Income Growth	41.56%	6.74%	-6.87%	43.39%	11.03%
Revenues Before Loan Losses	24,826	24,270	23,228	19,994	17,441
Revenue	24,826	24,270	23,228	19,994	17,441
Revenue Growth (YoY)	2.29%	4.49%	16.18%	14.64%	44.32%
Compensation Expenses	6,767	6,684	6,877	6,208	7,045
Selling, General & Admin	3,724	3,724	4,025	4,094	4,212
Other Non-Interest Expenses	2,406	2,415	2,440	1,871	2,037
Total Non-Interest Expense	11,533	11,117	11,415	10,982	12,539
Pretax Income	13,293	13,153	11,813	9,012	4,902
Provision for Income Taxes	2,590	3,086	1,917	819	-343
Net Income	10,915	9,719	9,507	6,458	2,096
Minority Interest in Earnings	64	55	27	15	30
Earnings From Discontinued Operations	-	-	-	3	4
Net Income to Common	10,915	9,719	9,507	6,458	2,096
Net Income Growth	12.31%	2.23%	47.21%	208.11%	-
Shares Outstanding (Basic)	1,546	1,631	1,828	2,069	2,222
Shares Outstanding (Diluted)	1,546	1,631	1,850	2,089	2,236
Shares Change (YoY)	-5.21%	-11.83%	-11.43%	-6.60%	-0.16%
EPS (Basic)	6.97	5.84	5.11	3.08	0.93
EPS (Diluted)	6.91	5.78	5.04	3.06	0.92
EPS Growth	19.60%	14.59%	65.09%	230.74%	-
Shares Outstanding	1,513	1,551	1,712	1,935	2,211
Free Cash Flow	7,806	-8,326	-41,717	9,747	-8,043
Free Cash Flow Per Share	5.05	-5.10	-22.55	4.67	-3.60
Dividends Per Share	3.149	2.402	1.803	0.987	0.538
Dividend Growth	31.09%	33.23%	82.63%	83.49%	348.33%
Profit Margin	44.22%	40.27%	41.05%	32.36%	12.17%
FCF Margin	31.44%	-34.31%	-179.60%	48.75%	-46.12%
EBITDA	1,280	1,306	1,625	1,303	1,490
EBITDA Margin	5.16%	5.38%	7.00%	6.52%	8.54%
Effective Tax Rate	19.48%	23.46%	16.23%	9.09%	-7.00%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.