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UniCredit pledges to maintain 2025 profits and increase payouts

UniCredit posted earnings on Tuesday that were better than expected for 2024 and stated it would keep profits stable in spite of declining rates this year, while promising to increase shareholder reward levels between 2025-2027.

After years of record profits, investor payouts, and the ECB rate hike cycle, European lenders have been looking for new profit-generating strategies. Some have turned to mergers & acquisitions.

UniCredit, under the leadership of CEO Andrea Orcel, has launched an aggressive expansion plan. It acquired a 28% stake at Germany's Commerzbank, and made an all-share offer for Banco BPM, a smaller competitor in Mexico.

In early February, the bank revealed that it had acquired a 4,1% stake in Generali. The bank's investment in Italy's largest insurer gives it a lot of influence over other takeovers and boardroom fights in Italian finance.

UniCredit is returning 9 billion euros to its shareholders as dividends and share buybacks. The company's 2024 profits still benefitted from an increasing net interest margin - a measure that measures the profit generated by the difference between deposit and lending rates.

Analysts at JPMorgan said that the capital distribution exceeded expectations as well as the guidance to make an even greater distribution in 2025.

UniCredit’s profit target for 2027 of 10 billion euro was also higher than market expectations.

In a note, KBW analysts stated that the management outlook was positive. "UniCredit shares have outperformed SX7E (European Banking Index) by 6% in the last month. But with these results, we believe the market won't be disappointed."

UniCredit's shares dropped 2.7% at the opening of trading on Monday, falling behind other European banks.

The drop was a result of a report in the Corriere della Sera on Tuesday, which cited banking sources and stated that Delfin (the holding of the Del Vecchio Family) is looking into the possibility of selling their 2.7% stake in UniCredit.

Delfin did not respond to a request for comment.

UniCredit's share price has nearly six-folded since Orcel arrived in 2021. This gives UniCredit a powerful hand when it comes to merger deals that are paid in shares.

Orcel also has billions of Euros in cash that is above the targeted capital reserve. Orcel plans to return a portion of the cash to shareholders in 2027.

UniCredit stated that it would only pursue growth opportunities outside the company "if they met strict strategic and financial criteria".

UniCredit predicted that its net interest income would decline "moderately" by 2025 due to the lower interest rates in the euro zone but also to efforts to shrink their Russian business.

UniCredit is under pressure from the European Central Bank to accelerate its exit.

It said that a "mid-single-digit" fee increase projected for 2025 wouldn't be enough to offset lower rates. Net revenues would exceed 23 billion euros ($24billion) as opposed to 24.2 billion dollars last year.

The profit for the period October-December totaled 1.97 billion euros, above a consensus estimate of 1.63 billion euros gathered by companies. This was despite provisions for loan loss that were higher than expected.

This compares to 2.8 billion euros last year, when tax credits related to losses in the past were more than double as large. (1 dollar = 0.9706 euro) (Reporting and editing by Alvise Armllini and Kate Mayberry).

(source: Reuters)