Unicaja Banco SA (ES:UNI)
BME:UNI
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UNI Stock Chart & Stats
€2.87
<€0.01(0.38%)
At close: 4:00 PM EST
€2.87
<€0.01(0.38%)
Day’s Range― - ―
52-Week Range€1.87 - €3.12
Previous CloseN/A
Volume802.28K
Average Volume (3M)8.15M
Market Cap
€7.82B
Enterprise Value€11.25B
Total Cash (Recent Filing)€6.49B
Total Debt (Recent Filing)€4.63B
Price to Earnings (P/E)12.6
Beta1.18
Next Earnings
Jul 31, 2026EPS Estimate
0.07Next Dividend Ex-DateN/A
Dividend Yield5.8%
Share Statistics
EPS (TTM)0.24
Shares Outstanding2,571,434,600
10 Day Avg. Volume5,692,517
30 Day Avg. Volume8,146,864
Financial Highlights & Ratios
PEG Ratio1.24
Price to Book (P/B)1.09
Price to Sales (P/S)2.77
P/FCF Ratio42.73
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€2.79Price Target Upside-2.89% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering7
EPS Forecast (FY)0.25
Revenue Forecast (FY)€2.14B
Bulls Say, Bears Say
Bulls Say
Improved Profitability And MarginsMaterial, multi-year margin expansion and higher net income indicate structural improvement in core lending and fee operations. Stronger operating profitability increases internal capital generation, supports dividend policy and provides room to absorb cyclical credit losses without immediate capital raises.
Strong Capital And Liquidity MetricsRobust regulatory buffers and plentiful liquidity materially lower solvency and funding risk. High CET1 and liquidity ratios support continued lending, dividend distribution and regulatory headroom through cycles, enhancing resilience to macro or market stress over the medium term.
Diversifying Fee Income Via Mutual Funds And Digital GrowthAccelerating AUM and mutual-fund fees show durable non‑interest revenue expansion, reducing reliance on NII. Strong digital distribution increases scalability and lowers marginal acquisition costs, supporting more stable fee income and improving revenue mix over coming years.
Bears Say
Sharply Higher Leverage In 2025A rapid rise in leverage reduces balance-sheet flexibility and increases sensitivity to funding and credit-market stress. Higher debt loads constrain strategic optionality, raise refinancing and interest-rate risk, and can amplify earnings volatility if asset quality deteriorates.
Volatile Operating And Free Cash FlowWide swings in OCF and FCF undermine predictability of internal funding for lending, dividends and buybacks. Persistent cash volatility forces reliance on wholesale funding at times, complicates capital planning and weakens the durability of shareholder distributions under adverse scenarios.
Rising Operating And Customer-acquisition CostsSustained higher personnel and acquisition spends compress margins and lift cost-to-income, reducing returns on new business. If customer acquisition remains subsidy-driven or wage inflation persists, margin recovery will be harder and efficiency targets may be missed over multiple quarters.
Unicaja Banco SA News
UNI FAQ
What was Unicaja Banco SA’s price range in the past 12 months?
Unicaja Banco SA lowest stock price was €1.86 and its highest was €3.12 in the past 12 months.
What is Unicaja Banco SA’s market cap?
Unicaja Banco SA’s market cap is €7.82B.
When is Unicaja Banco SA’s upcoming earnings report date?
Unicaja Banco SA’s upcoming earnings report date is Jul 31, 2026 which is in 43 days.
How were Unicaja Banco SA’s earnings last quarter?
Unicaja Banco SA released its earnings results on May 05, 2026. The company reported €0.06 earnings per share for the quarter, missing the consensus estimate of €0.061 by -€0.001.
Is Unicaja Banco SA overvalued?
According to Wall Street analysts Unicaja Banco SA’s price is currently Overvalued.
Does Unicaja Banco SA pay dividends?
Unicaja Banco SA pays a Semiannually dividend of €0.107 which represents an annual dividend yield of 5.8%. See more information on Unicaja Banco SA dividends here
What is Unicaja Banco SA’s EPS estimate?
Unicaja Banco SA’s EPS estimate is 0.07.
How many shares outstanding does Unicaja Banco SA have?
Unicaja Banco SA has 2,571,434,600 shares outstanding.
What happened to Unicaja Banco SA’s price movement after its last earnings report?
Unicaja Banco SA reported an EPS of €0.06 in its last earnings report, missing expectations of €0.061. Following the earnings report the stock price went up 1.43%.
Which hedge fund is a major shareholder of Unicaja Banco SA?
Currently, no hedge funds are holding shares in ES:UNI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Unicaja Banco SA Stock Smart Score
Underperform
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Analyst Consensus
Moderate Sell
Average Price Target:
€2.79 (-2.89% Downside)
€2.79 (-2.89% Downside)
Insider Transactions
Sold Shares
Worth €33.8K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
155.83%
12-Months-Change
Fundamentals
Return on Equity
9.05%
Trailing 12-Months
Asset Growth
9.30%
Trailing 12-Months
Company Description
Unicaja Banco SA
Unicaja Banco, S.A. is a prominent financial institution delivering a broad spectrum of banking products and services to individuals and corporate clients across Spain and internationally. Its extensive offerings include current accounts, payment facilities, and various debit and credit cards. The bank provides diverse lending solutions like mortgages and personal loans, alongside a suite of savings and investment products such as deposit accounts, stock market access, pension schemes, investment funds, tailored portfolios, and savings-linked insurance. Furthermore, it offers a wide array of insurance policies, encompassing life, home, car, accident, health, agricultural, SME and retail damage, and corporate liability coverage. For businesses, Unicaja Banco provides cash management, both short and long-term financing, and specialized investment services, all complemented by convenient remote and mobile banking platforms. Beyond traditional banking, the company is involved in property development and renewable energy initiatives, and it strategically invests in assets, securities, and other financial companies. As of December 31, 2021, Unicaja Banco operated a substantial network of 1,368 branches throughout Spain and maintained a correspondent office in the United Kingdom. Founded in 1991, its headquarters are located in Málaga, Spain.
UNI Company Deck
UNI Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed broadly positive momentum: commercial growth, strong mutual fund and digital sales, improving asset quality, robust capital/liquidity metrics, and modest YoY profit growth. Management acknowledged cost pressures (wage inflation, hiring, customer acquisition costs), short‑term NII drag due to day‑count/volume effects and repo balances, and higher uncertainty from geopolitical risks, but reaffirmed guidance and signaled cautious optimism supported by conservative provisioning and plans to increase shareholder remuneration.View all ES:UNI earnings summariesUNI Stock 12 Month Forecast
Average Price Target
€2.79
▼(-2.89% Downside)
Technical Analysis
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Options Prices
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