BNPQY vs. UNCRY

Last updated Jun 5, 2026

BNPQY (BNP Paribas SA ADR) and UNCRY (UniCredit SpA ADR) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, BNPQY returned 17.49%/yr vs 54.22%/yr for UNCRY. A 0.70 correlation means they provide meaningful diversification when combined.

Performance

BNPQY vs. UNCRY - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in BNP Paribas SA ADR (BNPQY) and UniCredit SpA ADR (UNCRY). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, BNPQY achieves a 18.39% return, which is significantly higher than UNCRY's 6.26% return.

BNPQY

• 1D: 1.30%
• 1M: 7.61%
• YTD: 18.39%
• 6M: 27.36%
• 1Y: 32.54%
• 3Y*: 29.96%
• 5Y*: 17.49%
• 10Y*: 13.57%

UNCRY

• 1D: 1.41%
• 1M: 8.36%
• YTD: 6.26%
• 6M: 15.14%
• 1Y: 39.32%
• 3Y*: 71.80%
• 5Y*: 54.22%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

BNPQY vs. UNCRY - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
BNPQY BNP Paribas SA ADR	18.39%	69.69%	-5.62%	30.70%	-11.93%	37.32%	-10.37%	41.54%	-36.39%	0.03%
UNCRY UniCredit SpA ADR	6.26%	118.78%	57.92%	103.38%	-2.49%	71.06%	-37.52%	30.84%	-40.77%	0.52%

Correlation

The correlation between BNPQY and UNCRY is 0.76, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.76
Correlation (3Y) Calculated over the trailing 3-year period	0.68
Correlation (5Y) Calculated over the trailing 5-year period	0.69
Correlation (All Time) Calculated using the full available price history since Dec 20, 2017	0.70

The correlation between BNPQY and UNCRY has been stable across timeframes, ranging from 0.68 to 0.76 - a consistent structural relationship.

Fundamentals

Market Cap BNPQY : $120.06B UNCRY : $129.74B
EPS BNPQY : $8.83 UNCRY : $3.58
PE Ratio BNPQY : 6.18 UNCRY : 12.01
PEG Ratio BNPQY : 0.67 UNCRY : 0.15
PS Ratio BNPQY : 0.65 UNCRY : 5.75
PB Ratio BNPQY : 0.96 UNCRY : 1.89
Total Revenue (TTM) BNPQY : $188.04B UNCRY : $24.09B
Gross Profit (TTM) BNPQY : $43.04B UNCRY : $23.20B
EBITDA (TTM) BNPQY : $24.17B UNCRY : $14.22B

Return for Risk

BNPQY vs. UNCRY — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

BNPQY

BNPQY Risk / Return Rank: 69
BNPQY Sharpe Ratio Rank: 73
BNPQY Sortino Ratio Rank: 66
BNPQY Omega Ratio Rank: 66
BNPQY Calmar Ratio Rank: 70
BNPQY Martin Ratio Rank: 71

UNCRY

UNCRY Risk / Return Rank: 71
UNCRY Sharpe Ratio Rank: 76
UNCRY Sortino Ratio Rank: 71
UNCRY Omega Ratio Rank: 69
UNCRY Calmar Ratio Rank: 69
UNCRY Martin Ratio Rank: 72

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

BNPQY vs. UNCRY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for BNP Paribas SA ADR (BNPQY) and UniCredit SpA ADR (UNCRY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	BNPQY	UNCRY	Difference
Sharpe ratio: Return per unit of total volatility	1.06	1.18	-0.12
Sortino ratio: Return per unit of downside risk	1.52	1.76	-0.24
Omega ratio: Gain probability vs. loss probability	1.20	1.22	-0.02
Calmar ratio: Return relative to maximum drawdown	1.56	1.45	+0.12
Martin ratio: Return relative to average drawdown	3.86	4.11	-0.26
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

BNPQY vs. UNCRY - Sharpe Ratio Comparison

The current BNPQY Sharpe Ratio is 1.06, which is comparable to the UNCRY Sharpe Ratio of 1.18. The chart below compares the historical Sharpe Ratios of BNPQY and UNCRY, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	BNPQY	UNCRY	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.06	1.18	-0.12
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.56	1.39	-0.83
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.40	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.20	0.56	-0.36

Drawdowns

BNPQY vs. UNCRY - Drawdown Comparison

The maximum BNPQY drawdown since its inception was -77.11%, which is greater than UNCRY's maximum drawdown of -70.20%. Use the drawdown chart below to compare losses from any high point for BNPQY and UNCRY.

Drawdown Indicators

	BNPQY	UNCRY	Difference
Max Drawdown Largest peak-to-trough decline	-77.11%	-70.20%	-6.91%
Max Drawdown (1Y) Largest decline over 1 year	-20.89%	-27.25%	+6.36%
Max Drawdown (3Y) Largest decline over 3 years	-21.83%	-27.25%	+5.42%
Max Drawdown (5Y) Largest decline over 5 years	-42.53%	-50.77%	+8.24%
Max Drawdown (10Y) Largest decline over 10 years	-64.70%	—	—
Current Drawdown Current decline from peak	-1.94%	-5.58%	+3.64%
Average Drawdown Average peak-to-trough decline	-22.72%	-27.49%	+4.77%
Ulcer Index Depth and duration of drawdowns from previous peaks	8.46%	9.59%	-1.13%

Volatility

BNPQY vs. UNCRY - Volatility Comparison

BNP Paribas SA ADR (BNPQY) has a higher volatility of 10.04% compared to UniCredit SpA ADR (UNCRY) at 8.67%. This indicates that BNPQY's price experiences larger fluctuations and is considered to be riskier than UNCRY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	BNPQY	UNCRY	Difference
Volatility (1M) Calculated over the trailing 1-month period	10.04%	8.67%	+1.37%
Volatility (6M) Calculated over the trailing 6-month period	22.60%	27.18%	-4.58%
Volatility (1Y) Calculated over the trailing 1-year period	30.94%	33.48%	-2.54%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	31.45%	39.32%	-7.87%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	34.33%	42.27%	-7.94%

Dividends

BNPQY vs. UNCRY - Dividend Comparison

BNPQY's dividend yield for the trailing twelve months is around 5.52%, more than UNCRY's 4.22% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
BNPQY BNP Paribas SA ADR	5.52%	8.76%	8.11%	6.18%	6.96%	4.59%	0.00%	5.73%	8.25%	4.05%	4.11%	2.92%
UNCRY UniCredit SpA ADR	4.22%	4.00%	7.31%	3.91%	4.01%	0.94%	0.00%	1.37%	2.29%	0.00%	0.00%	0.00%

Financials

BNPQY vs. UNCRY - Profitability Comparison

The chart below illustrates the profitability comparison between BNP Paribas SA ADR and UniCredit SpA ADR over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

BNPQY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, BNP Paribas SA ADR reported a gross profit of 0.00 and revenue of 75.80B. Therefore, the gross margin over that period was 0.0%.

UNCRY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, UniCredit SpA ADR reported a gross profit of 6.62B and revenue of 7.05B. Therefore, the gross margin over that period was 93.9%.

BNPQY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, BNP Paribas SA ADR reported an operating income of 3.77B and revenue of 75.80B, resulting in an operating margin of 5.0%.

UNCRY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, UniCredit SpA ADR reported an operating income of 4.38B and revenue of 7.05B, resulting in an operating margin of 62.2%.

BNPQY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, BNP Paribas SA ADR reported a net income of 5.64B and revenue of 75.80B, resulting in a net margin of 7.5%.

UNCRY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, UniCredit SpA ADR reported a net income of 3.32B and revenue of 7.05B, resulting in a net margin of 47.1%.

Frequently Asked Questions

Can I hold both BNPQY and UNCRY in my portfolio?

BNPQY and UNCRY have a correlation of 0.76, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, BNPQY or UNCRY?

BNPQY has higher volatility (10.04%) compared to UNCRY (8.67%). In terms of maximum drawdown, BNPQY dropped -77.11% vs UNCRY's -70.20%.

Which has better risk-adjusted returns?

UNCRY currently has the higher Sharpe Ratio (1.18 vs 1.06), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.