UniCredit UCG

equity

Price History

1999-12 · DCA start€108.53

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

1999-122026-08 · -57.8%

Worst drawdown: −97%, peaking Mar 2007 and bottoming Sep 2020 — still unrecovered after 233 months.

DCA Backtest

Start month

Monthly amount (EUR)

Invested: €32,100
Value today: €106,363
Return: +231.3%
Months invested: 321

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be €43,119 today, so the real (inflation-adjusted) return is +146.7%.

Lump sum instead — €32,100 all at once in Dec 1999: €25,214 (-21.5%) — DCA came out ahead.

Worst timing — same monthly amount started at the all-time high (Mar 2007): €100,389 on €23,400 invested (+329.0%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

	J	F	M	A	M	J	J	A	S	O	N	D
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1999-12: +231.3%

About UniCredit

UniCredit S.p.A. is an Italian multinational banking group headquartered in Milan. It is one of the two largest banking groups in Italy, alongside Intesa Sanpaolo. As of 2025, it was the world's 44th largest bank by assets. It was formed through the merger of Credito Italiano and Unicredito in 1998 but has a corporate identity stretching back to its first foundation in 1870 as Banca di Genova. UniCredit is listed on the Borsa Italiana and Frankfurt Stock Exchange and is a constituent stock of the Euro Stoxx 50 index of leading shares. (Wikipedia)

It's a listed company categorised under financials.

It rates Medium-Low Risk at 2.1/5, meaning the rated factors are mostly sound, with one or two areas worth watching.

What pushes the score up: sector / regulatory (4.0/5) and earnings quality (3.0/5).

Scoring well: leverage / financial at 1.0/5.

Not yet researched: governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-Low Risk(2.1/5)90% rated

How these ratings work

Market / Volatility2.7/5 · weight 20%

Annualised volatility (3yr)2/524.0
Max drawdown from ATH5/596.8
Beta vs S&P 5001/50.22

Liquidity1.0/5 · weight 15%

Avg daily $ volume1/5347.3m
Float % of shares outstandingnot yet researched

Leverage / Financial1.0/5 · weight 20%

Debt / equity1/51.9
Interest coverage (EBIT / interest)not yet researched

Earnings Quality3.0/5 · weight 15%

3yr EPS volatility3/527.9

Concentration2.0/5 · weight 10%

Largest customer, % of revenuenot yet researched
Geographic revenue concentration2/5majority stable region

Governanceunrated · weight 10%

Board independence %not yet researched
Share structurenot yet researched
Litigation / audit historynot yet researched

Sector / Regulatory4.0/5 · weight 10%

Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.