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Unicaja Banco SA (ES:UNI)
BME:UNI
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Unicaja Banco SA (UNI) Price & Analysis

35 Followers

UNI Stock Chart & Stats

€2.87
<€0.01(0.38%)
At close: 4:00 PM EST
€2.87
<€0.01(0.38%)

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. Get more investment ideas with TipRanks Premium
            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

                      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.

                      Unicaja Banco SA (UNI) Earnings & Revenues

                      UNI Stock 12 Month Forecast

                      Average Price Target

                      €2.90
                      ▲(0.95% Upside)
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0,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 3</span>\n      ","marker":{"lineColor":"#912767","enabled":true,"symbol":"circle"}},{"y":2.465,"date":1764547200000,"info":" <span style=\"color:#912767\" class=\"mb3 mt2 fonth8_semibold\"> Strong Sell</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 0,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 2</span>\n      ","marker":{"lineColor":"#912767","enabled":true,"symbol":"circle"}},{"y":2.693,"date":1767225600000,"info":" <span style=\"color:#912767\" class=\"mb3 mt2 fonth8_semibold\"> Strong Sell</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 0,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n     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