Education
About Us
Working with TipRanks
Follow Us
Unicaja Banco SA (ES:UNI)
BME:UNI
Earnings Data
Report Date
May 04, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.06Last Year’s EPS
0.06Same Quarter Last Year
Moderate Sell
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive operational and financial story: net profit, dividends, capital ratios, asset-gathering (mutual funds/AUM), credit-quality improvements and early strategic-plan traction are clear positives. The main negatives are intense competition (notably mortgages and deposits), higher operating and restructuring costs, cautious near-term margin/guidance, and a materially higher shareholder payout that reduces retained capital and may limit balance-sheet optionality. Overall, the positives (strong earnings beat, improved asset quality, CET1 gain, and strategic momentum) materially outweigh the negatives.Company Guidance
Net Profit Growth and Outperformance vs Guidance
Net profit for 2025 was EUR 632 million, up 10% year-on-year and 26% above the initial guidance target of EUR 500 million.
Record Dividend and Higher Payout Ratio
Dividend for 2025 increased to EUR 443 million (EUR ~0.17/share), a 29% rise versus prior year, with ordinary payout ratio raised from 60% to 70%.
Capital Strength — CET1 Improvement
CET1 ratio closed 2025 at 16%, up 90 basis points year-on-year, driven by earnings generation and lower deductions.
Return Metrics Improved
Reported return on tangible equity increased to 10%; ROTE adjusted for excess capital reached 12% (200 basis points above prior guidance).
Loan Book Turnaround and New Production
Total performing loans grew ~1.9–2.0% in 2025 reversing prior declines; new lending production rose ~40% to ~EUR 10 billion with corporate formalized balances up 46% and mortgage new production up 30%.
Asset-Gathering Momentum — Mutual Funds and AUM
Mutual fund balances rose ~23% (funds +22.6%), assets under management +14%, net fund subscriptions increased from EUR 1,767m to ~EUR 2,800m, capturing a 9% market share of net subscriptions.
Credit Quality Improvements
Nonperforming loans fell 20% year-on-year to an NPL ratio of 2.1% (vs sector 2.8% Nov-2025); total NPAs down 25% and net NPA ratio at 0.8%; NPL coverage improved from 68% to 77%.
Lower Provisions and Cost of Risk
Total provisions declined 25% to EUR 239 million (from EUR 319m) and annual cost of risk was ~26 basis points, below initial guidance.
Revenue Beat and NII Performance
Net interest income reached EUR 1,495 million (above prior guidance of >EUR 1.4bn); fees increased (fees +~3% YoY; value-added non-banking fees +12%) and funds & insurance accounted for 49% of fees.
Strong Liquidity and Capital Buffers
Liquidity metrics remain robust with LCR around 300%; MREL at ~27%; comfortable buffers relative to requirements reported.
Strategic Plan Early Traction and AI Adoption
First-year strategic plan progress: loan approvals +40%, off-balance sheet weight rose to 27% (target 30%), 65% of planned talent hires completed, AI hub established (~50 professionals) with >50% efficiency gains in some use cases.
Upgraded Multi-Year Targets
Three-year accumulated net profit target increased from EUR 1.6bn to EUR 1.9bn; interest margin target raised to >EUR 1.5bn per year and cost-to-income expected to remain below 50%.
ES:UNI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ES:UNI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 03, 2026 | €2.97 | €2.83 | -4.91% |
Oct 31, 2025 | €2.35 | €2.34 | -0.43% |
Jul 29, 2025 | €2.07 | €2.23 | +8.03% |
Apr 28, 2025 | €1.64 | €1.68 | +2.75% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Unicaja Banco SA (ES:UNI) report earnings?
Unicaja Banco SA (ES:UNI) is schdueled to report earning on May 04, 2026, TBA (Confirmed).
What is Unicaja Banco SA (ES:UNI) earnings time?
Unicaja Banco SA (ES:UNI) earnings time is at May 04, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Unicaja Banco SA stock?
The P/E ratio of Unicaja Banco SA is N/A.
What is ES:UNI EPS forecast?
ES:UNI EPS forecast for the fiscal quarter 2026 (Q1) is 0.06.