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 - €3.04
Previous CloseN/A
Volume802.28K
Average Volume (3M)8.15M
Market Cap
€7.21B
Enterprise Value€10.61B
Total Cash (Recent Filing)€6.49B
Total Debt (Recent Filing)€4.63B
Price to Earnings (P/E)11.4
Beta1.18
Next Earnings
Jul 29, 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
Improving ProfitabilityMaterial net income and margin improvement from 2023–2025 indicates stronger core earnings generation and operating leverage. Persistently higher profitability supports internal capital formation, dividend capacity and resilience to modest revenue volatility if asset quality and NII trends remain constructive.
Robust Capital And LiquidityVery strong regulatory buffers and liquidity metrics give the bank durable capacity to absorb shocks, support lending growth, and maintain shareholder payouts. High CET1, MREL and liquidity ratios materially lower funding stress and regulatory constraint risk over a multi‑quarter horizon.
Growing Fee And AUM FranchiseStrong mutual fund and AUM growth diversifies revenues away from net interest income, increasing recurring fee streams. As digital and distribution gains persist, higher non‑interest income improves margin stability and cross‑sell potential, reducing reliance on cyclical loan margins.
Bears Say
Sharp Rise In LeverageA pronounced increase in debt materially raises financial leverage and sensitivity to funding costs and market stress. Higher leverage can constrain strategic flexibility, amplify earnings volatility in downturns, and limit the bank's ability to absorb credit shocks without raising equity or cutting payouts.
Volatile Cash GenerationLarge swings in operating and free cash flow undermine reliable internal funding for lending, dividends and capital needs. Even with 2025 coverage of net income, this volatility increases reliance on wholesale funding or asset sales during weak periods and complicates multi‑period planning.
Rising Operating CostsSustained wage inflation, headcount increases and customer acquisition spend raise the fixed cost base and limit operating leverage. A higher cost‑to‑income ratio reduces profitability resilience and makes margin gains more dependent on sustained revenue growth rather than one‑off items.
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 €3.04 in the past 12 months.
What is Unicaja Banco SA’s market cap?
Unicaja Banco SA’s market cap is €7.21B.
When is Unicaja Banco SA’s upcoming earnings report date?
Unicaja Banco SA’s upcoming earnings report date is Jul 29, 2026 which is in 49 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 €1.12 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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