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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€1.99 - €3.28
Previous CloseN/A
Volume802.28K
Average Volume (3M)8.15M
Market Cap
€8.28B
Enterprise Value€9.73K
Total Cash (Recent Filing)€5.69B
Total Debt (Recent Filing)€8.93B
Price to Earnings (P/E)13.1
Beta1.19
Next Earnings
Jul 31, 2026EPS Estimate
0.07Next Dividend Ex-DateN/A
Dividend Yield8.78%
Share Statistics
EPS (TTM)0.25
Shares Outstanding2,571,434,600
10 Day Avg. Volume5,692,517
30 Day Avg. Volume8,146,864
Financial Highlights & Ratios
PEG Ratio1.27
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
€2.90Price Target Upside0.95% Upside
Rating ConsensusModerate Sell
Number of Analyst Covering7
EPS Forecast (FY)0.25
Revenue Forecast (FY)€2.15B
Bulls Say, Bears Say
Bulls Say
Improving ProfitabilityMaterial, multi-year improvement in net income and margins indicates stronger core banking performance, better cost control and credit trends. Sustained profitability supports recurring earnings, dividend capacity and resilience to shocks, reducing reliance on volatile one-offs.
Robust Capital & LiquidityHigh CET1 and ample liquidity ratios provide structural buffers against stress and funding shocks. Strong regulatory metrics free capacity for lending and shareholder remuneration while lowering solvency and short-term funding risks over multiple quarters.
Fee Diversification Via AUMDouble-digit mutual fund growth and rising fee income diversify revenue away from interest spread. A larger, growing AUM base yields more stable, recurring fees, improves cross-sell economics and reduces earnings sensitivity to NII cycles over the medium term.
Bears Say
Higher LeverageA sharp increase in debt materially raised leverage and reduced balance-sheet flexibility. Higher indebtedness amplifies sensitivity to funding costs and refinancing risk, constrains capital allocation and could pressure ratings or margins during adverse macro moves.
Volatile Cash GenerationLarge swings in operating and free cash flow complicate planning and weaken the bank's ability to fund dividends and growth internally. Persistent cash volatility increases dependence on markets for liquidity and raises execution risk on strategic initiatives.
Rising Operating & Acquisition CostsSustained mid-single-digit cost growth from wages, hiring and customer acquisition subsidies erodes operating leverage. If structural, higher cost-to-income will cap margin expansion and make EPS more reliant on revenue growth to offset rising fixed costs.
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 €1.99 and its highest was €3.28 in the past 12 months.
What is Unicaja Banco SA’s market cap?
Unicaja Banco SA’s market cap is €8.28B.
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 10 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 Undervalued.
Does Unicaja Banco SA pay dividends?
Unicaja Banco SA pays a Semiannually dividend of €0.107 which represents an annual dividend yield of 8.78%. 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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Sell
Average Price Target:
€2.90 (0.95% Upside)
€2.90 (0.95% Upside)
Insider Transactions
Sold Shares
Worth €64.1K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
155.83%
12-Months-Change
Fundamentals
Return on Equity
8.78%
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 Stock 12 Month Forecast
Average Price Target
€2.90
▲(0.95% Upside)
Technical Analysis
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