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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 net income and margin expansion show the bank has improved core earnings power. Stronger operating profitability provides durable capacity to fund lending, absorb shocks, and support the elevated payout policy, reducing reliance on one-off gains.
Robust Capital & LiquidityHigh CET1, substantial MREL and very strong liquidity ratios give structural buffers versus regulatory stress. These metrics support continued lending and dividend plans, lower refinancing risk, and increase resilience to funding shocks over the medium term.
Fee Diversification & Digital SalesSignificant AUM and mutual fund growth expands recurring, fee-based income and reduces reliance on net interest income. Combined with rising digital sales and cross‑sell, this structurally supports more stable revenues and improves long‑term margin resilience.
Bears Say
Sharply Higher LeverageA rapid increase in leverage reduces balance-sheet flexibility and raises sensitivity to funding and credit conditions. Higher debt levels increase refinancing and interest‑rate risk, potentially constraining capital allocation, dividend policy and buffer usage during stress.
Volatile Cash GenerationLarge year‑to‑year swings in operating and free cash flow weaken predictability of internal funding. This volatility complicates capital planning, makes sustained high payout ratios riskier, and increases reliance on external markets in adverse conditions.
Rising Operating & Funding CostsSustained wage inflation, hiring and expensive deposit acquisition raise the structural cost base and lift deposit costs. Combined with episodic NIM pressure, this risks compressing long‑term margins and slows progress on cost‑to‑income improvement.

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 €1.96 and its highest was €3.19 in the past 12 months.
    What is Unicaja Banco SA’s market cap?
    Unicaja Banco SA’s market cap is €7.95B.
      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 31 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. 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 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

                      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 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 summaries

                      UNI Stock 12 Month Forecast

                      Average Price Target

                      €2.81
                      ▼(-2.15% Downside)
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