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Unicaja Banco SA (UNJCF)
OTHER OTC:UNJCF
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Earnings Data
Report Date
Feb 04, 2025TBA Not Confirmed
Period Ending
2024 (Q4)Consensus EPS Forecast
0.06Last Year’s EPS
-0.01Same Quarter Last Year
Based on 5 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Oct 29, 2018
|% Change Since: 26.32%
|Next Earnings Date:Jul 30, 2018
Earnings Call Sentiment|Positive
The earnings call presented a strong performance in profitability, asset quality, and capital metrics, alongside successful sustainability initiatives. However, challenges such as declines in performing loans, fee income, and the impact of regulatory levies were acknowledged. Despite these challenges, the overall sentiment leans towards a positive outlook with strategic improvements anticipated.Company Guidance
During Unicaja's third-quarter earnings call for 2024, the executives provided detailed guidance on several key financial metrics. Total customer funds increased by 3.6% year-on-year, with off-balance sheet funds rising nearly 7%. The banking margin grew by 18% over the first nine months, and net income was up by 58% compared to 2023. Asset quality improved significantly, with non-performing loan (NPL) balances decreasing by 22% year-on-year and foreclosed assets by 36%. The non-performing assets (NPA) coverage ratio rose from 66% to 70%. The cost of risk was reported at 24 basis points, below the initial guidance of 30-35 basis points. In terms of solvency, the Common Equity Tier 1 (CET1) ratio reached 15.4%, and the liquidity coverage ratio (LCR) remained above 300%. The bank's guidance for net interest income was revised to exceed a 10% growth, and the cost of risk is expected to fall between 25 to 30 basis points for the year.Strong Profitability Growth
Net income increased by 58% year-on-year, reaching EUR 451 million for the first nine months of 2024, driven by an 18% growth in the banking margin and a 22% improvement in pre-provision profit.
Asset Quality Improvement
NPL balances fell by 22% year-on-year, with the NPL ratio decreasing to 2.8% and NPAs coverage ratio increasing to 70% from 66% last year.
Capital and Liquidity Strength
CET1 ratio reached 15.4%, and the tangible book value per share grew by 7% in the first nine months of 2024. Liquidity metrics remain strong with an LCR ratio above 300% and a loan-to-deposit ratio at 70%.
Sustainability Initiatives
Issued fourth green bond in September and reduced carbon footprint by 18.3% in 2023 compared to 2022.
Positive Lending Trends
Third quarter private sector new lending volumes reached EUR 1.8 billion, up from EUR 1.2 billion in the same quarter of the previous year.
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UNJCF 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
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UNJCF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Oct 30, 2024 | $1.14 | $1.17 | +2.63% |
| Jul 30, 2024 | $1.40 | $1.32 | -5.71% |
| Apr 29, 2024 | $1.23 | $1.26 | +2.44% |
| Feb 06, 2024 | $0.87 | $0.94 | +8.05% |
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.
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FAQ
When does Unicaja Banco SA (UNJCF) report earnings?
Unicaja Banco SA (UNJCF) is schdueled to report earning on Feb 04, 2025, TBA Not Confirmed.
What is Unicaja Banco SA (UNJCF) earnings time?
Unicaja Banco SA (UNJCF) earnings time is at Feb 04, 2025, TBA Not 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 UNJCF EPS forecast?
UNJCF EPS forecast for the fiscal quarter 2024 (Q4) is 0.06.
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