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Unicaja Banco, S.A. logo

Unicaja Banco, S.A. (UNI.MC)

Country: SpainSector: Financial ServicesIndustry: Banks - RegionalExchange: BME
P/E TTM
12.6
History
P/E NTM
12.1
Market cap
8.56B
Currency EUR
KvantraRankAbout55
IValue47
IIQuality41
IIIMomentum88
Current price
3.21 EUR0.00%
Close 9 Oct 2026
Benchmarks

Key financial summary

Financials in EUR
202020212022202320242025TTM2026E
Total net revenue€m1,0331,2481,7431,9772,1281,7411,809-
Operating profit€m902934
Net profit€m781,113278267573632657669
EPS reported€0.240.26
Operating cashflow per share€0.090.00
Capex per share€0.020.00
FCF per share€0.070.00
Free cash flow€m1670
Net debt€m2954,955
Book value equity€m6,5266,758
Book value per share€2.542.63
Number of sharesm2,569.622,568.88
DPS (TTM paid)€0.170.19

Financial summary

Financials in EUR
202020212022202320242025TTM2026E
Value
P/E TTMx11.5812.55
P/B LTMx1.091.27
P/S LTMx4.104.73
P/FCF LTMx42.730.00
EV/EBITDA LTMx8.5215.14
EV/Sales LTMx3.287.47
Earnings Yield LTM%8.64%7.97%
FCF Yield%2.34%0.00%
Quality
ROE%9.68%9.44%
ROIC%2.51%0.66%
Operating margin%34.96%36.01%
Gross margin%82.20%75.06%
FCF/Sales%6.48%0.00%
Growth and momentum
EPS Growth YoY%+9.09%+7.48%
Sales Growth YoY%-18.21%-10.99%
Net Income Growth YoY%+10.23%+6.66%
FCF Growth%--
Operating Profit Growth%+10.50%+8.48%
Dividend and capital structure
Dividend Yield%5.02%5.95%
Dividend Growth%+28.94%-
Payout Ratio%58.13%0.00%
FCF/Debtx0.010.00
Net Debt/EBITDAx1.345.55
EBIT/Net interestx1.081.19
Net debt/market cap%4.12%57.85%
Net debt/Equityx0.050.73
Gross debt/equityx2.011.35

ETFs that hold Unicaja Banco

FundTickerPosition#Weight
Amundi MSCI EMU Small Cap ESG Broad Transition UCITS ETF DistMMS.PA51.45%
Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF DistX026.DE60.65%

Funds with Unicaja Banco among their ten largest holdings, largest fund first.

Ratings

Strong Buy
Buy
Hold
Sell
Strong Sell
Number of covering analysts

Based on consensus from external analysts. Not Kvantra's opinion.

Company overview

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.

IndustryBanks - Regional
CountrySpain
Trades inEUR

Similar companies

For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.

Unicaja Banco, S.A. (UNI.MC)

UNI.MC · BME · Financial Services
3.21 EUR0.00%
Sign up to track this stock
Benchmarks
KvantraRank55
Market cap8.56B
P/E NTM12.1
P/E TTM12.6
KvantraRank?55 / 100
Value
47
Quality
41
Momentum
88
Financialsin EUR
20242025TTM2026E
ETFs that hold Unicaja Banco
FundTickerPosition#Weight
Amundi MSCI EMU Small Cap ESG Broad Transition UCITS ETF DistMMS.PA51.45%
Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF DistX026.DE60.65%

Funds with Unicaja Banco among their ten largest holdings, largest fund first.

Ratings
Strong Buy
Buy
Hold
Sell
Strong Sell

Based on consensus from external analysts. Not Kvantra's opinion.

About

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.

IndustryBanks - Regional
CountrySpain
Trades inEUR

For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.

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