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Overview
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Unicaja Banco stock

UNI.MC
ES0180907000
A1W97N

Price

1.24
Today +/-
-0.01
Today %
-1.04 %

Unicaja Banco stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Unicaja Banco stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Unicaja Banco stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Unicaja Banco stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Unicaja Banco's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Unicaja Banco Stock Price History

DateUnicaja Banco Price
12/20/20241.24 undefined
12/19/20241.26 undefined
12/18/20241.25 undefined
12/17/20241.23 undefined
12/16/20241.33 undefined
12/13/20241.30 undefined
12/12/20241.30 undefined
12/11/20241.30 undefined
12/10/20241.32 undefined
12/9/20241.32 undefined
12/6/20241.30 undefined
12/5/20241.31 undefined
12/4/20241.27 undefined
12/3/20241.27 undefined
12/2/20241.25 undefined
11/29/20241.22 undefined
11/28/20241.20 undefined
11/27/20241.20 undefined
11/26/20241.21 undefined
11/25/20241.24 undefined
11/22/20241.23 undefined

Unicaja Banco Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Unicaja Banco, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Unicaja Banco from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Unicaja Banco’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Unicaja Banco. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Unicaja Banco’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Unicaja Banco’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Unicaja Banco’s growth potential.

Unicaja Banco Revenue, EBIT and net profit per share

DateUnicaja Banco RevenueUnicaja Banco Net Income
2027e1.88 B undefined409.57 M undefined
2026e1.86 B undefined442.11 M undefined
2025e1.89 B undefined487.22 M undefined
2024e2 B undefined555.97 M undefined
20233.15 B undefined266.7 M undefined
20222.11 B undefined277.58 M undefined
20212.8 B undefined1.11 B undefined
20201.3 B undefined71 M undefined
20191.54 B undefined165.4 M undefined
20181.44 B undefined152.6 M undefined
20171.45 B undefined142.4 M undefined
20161.66 B undefined142.1 M undefined
20152.38 B undefined186.7 M undefined
20142.64 B undefined474.5 M undefined
20131.61 B undefined54.1 M undefined

Unicaja Banco Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (B)DOCUMENTS
201320142015201620172018201920202021202220232024e2025e2026e2027e
1.612.642.381.661.451.441.541.32.82.113.1521.891.861.88
-63.98-9.73-30.38-12.84-0.146.72-15.70115.24-24.4649.05-36.53-5.36-1.430.86
---------------
000000000000000
000000000001.10.960.870.9
---------------
0.050.470.190.140.140.150.170.071.110.280.270.560.490.440.41
-777.78-60.76-23.66-7.048.55-56.971,467.61-75.11-3.97108.65-12.25-9.24-7.47
---------------
---------------
0.920.920.920.921.311.651.61.582.032.652.660000
---------------
Details

Keystats

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Revenue and Growth

The Unicaja Banco Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Unicaja Banco is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (B)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (B)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (B)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
20132014201520162017201820192020202120222023
                     
00000000000
00000000000
00000000000
00000000000
00000000000
00000000000
0.591.031.061.010.870.850.880.841.391.291.23
0.280.420.360.290.480.360.360.361.050.960.94
00000000000
42112616304142.5958.83
000005751453832.1626
0.93.593.383.32.982.943.022.955.475.184.88
1.775.054.84.64.344.214.334.227.997.57.13
1.775.054.84.64.344.214.334.227.997.57.13
                     
0.80.880.880.921.611.611.611.580.660.660.66
1.651.131.131.141.211.211.211.211.211.211.21
-0.420.570.750.810.991.061.121.1644.044.11
-2595995164444752457540.81668.17
38289115332000000
2.042.972.982.953.873.923.994.016.336.466.65
00000000083.130
00000000000
28171214232132212036.5140.98
0000000001.140
00000000000
0.030.020.010.010.020.020.030.020.0284.30.04
2.62.531.31.430.130.060.360.362.53.334.24
83517283226186211293236369327.97372.98
1.372.312.171.392.012.943.243.415.235.695.65
4.055.353.763.052.323.213.94.018.099.3510.26
4.085.373.773.062.343.233.934.038.1193.6410.3
6.128.336.756.026.227.157.918.0414.44100.116.95
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Unicaja Banco provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Unicaja Banco's financial health and stability.

Assets

Unicaja Banco's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Unicaja Banco must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Unicaja Banco after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Unicaja Banco's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (B)PAID INTEREST (M)PAID TAXES (B)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
20132014201520162017201820192020202120222023
0.050.450.180.140.140.150.170.081.110.260.27
3544474542374350577390
00000000000
-0.814.27-5.074.341.170.42-0.31211.71-17.862.36
0.08-7.460.2-0.17-0.24-0.15-0.13-0.11.070.180.12
00000000000
0.041.710.130.1200.010.020.030.390.02-0.32
-0.64-2.7-4.634.351.120.47-0.222.0313.96-17.352.83
-13-4-1450-24-81-27-40-32-64-68
2.181.515.99-5.431.740.040.280.10.20.340.38
2.21.526.14-5.431.760.130.310.140.230.410.44
00000000000
-113-56-31-71130292-7493-36-18
000000-13-1603-2
-113-74-56-4689-35218-23476367168
000000000467318
0-18-25-39-24-35-610-17-67-128
1.43-1.261.31-1.132.950.470.282.1114.63-16.643.38
-653-2,704-4,7784,3471,095384-2501,98813,927-17,411.152,765.27
00000000000

Unicaja Banco stock margins

The Unicaja Banco margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Unicaja Banco. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Unicaja Banco.

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Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Unicaja Banco's sales revenue. A higher gross margin percentage indicates that the Unicaja Banco retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Unicaja Banco's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Unicaja Banco's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Unicaja Banco's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Unicaja Banco. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Unicaja Banco's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Unicaja Banco Margin History

DateUnicaja Banco Profit margin
2027e21.79 %
2026e23.72 %
2025e25.77 %
2024e27.83 %
20238.47 %
202213.14 %
202139.81 %
20205.47 %
201910.73 %
201810.56 %
20179.85 %
20168.56 %
20157.83 %
201417.97 %
20133.36 %

Unicaja Banco Stock Sales Revenue, EBIT, Earnings per Share

The Unicaja Banco earnings per share therefore indicates how much revenue Unicaja Banco has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Unicaja Banco earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Unicaja Banco's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Unicaja Banco’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Unicaja Banco's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Unicaja Banco Revenue, EBIT and net profit per share

DateUnicaja Banco Sales per ShareUnicaja Banco Earnings per Share
2027e0.73 undefined0.16 undefined
2026e0.72 undefined0.17 undefined
2025e0.74 undefined0.19 undefined
2024e0.78 undefined0.22 undefined
20231.19 undefined0.1 undefined
20220.8 undefined0.1 undefined
20211.37 undefined0.55 undefined
20200.82 undefined0.04 undefined
20190.96 undefined0.1 undefined
20180.88 undefined0.09 undefined
20171.11 undefined0.11 undefined
20161.8 undefined0.15 undefined
20152.58 undefined0.2 undefined
20142.86 undefined0.51 undefined
20131.75 undefined0.06 undefined

Unicaja Banco business model

Unicaja Banco SA is a Spanish financial services company with a long and rich history, headquartered in Malaga. The bank was founded in 1991 as a result of a merger of several regional savings banks. Since then, it has become one of the largest financial institutions in Spain and serves customers in multiple countries. The business model of Unicaja Banco SA is aimed at supporting private and business customers with a wide range of financial services. Over the years, the company has steadily expanded its services and now offers products such as account management, credit and debit cards, investment funds, mortgages, insurance, and online banking. In addition, Unicaja Banco SA operates over 1,200 branches in Spain, Portugal, and other European countries, including Germany. Unicaja Banco SA has various divisions that focus on different customers. The retail banking division offers services such as accounts, cards, loans, mortgages, and savings products. The corporate banking division serves commercial and business customers and offers a wide range of products and services tailored to their specific business needs. The investment division serves investors and private customers, providing a wide range of investment and wealth management services. The insurance division offers a wide selection of insurance products such as auto, liability, accident, and travel insurance. Among the products offered by Unicaja Banco SA is the current account, which allows for convenient online management of everyday financial activities such as salary deposits, transfers, standing orders, card orders, and more. Another product is credit cards, which offer various benefits, including bonus points systems and cashback promotions. The bank is known for its strong regional presence. It has branches throughout Spain, including in rural areas, and thereby serves a large number of regional businesses and private customers. The bank places great importance on collaboration with local communities. To best serve its customers, Unicaja Banco SA also offers tailor-made solutions and supports businesses in various industries. Overall, it could be said that the goal of Unicaja Banco SA is to offer a wide range of financial services and products to meet individual customer needs. The focus is particularly on collaborating with regional businesses and customer support in different countries. Unicaja Banco is one of the most popular companies on Eulerpool.com.

Unicaja Banco SWOT Analysis

Strengths

Unicaja Banco SA possesses several strengths that contribute to its overall success in the banking industry. These strengths include:

  • Strong brand presence and reputation
  • Extensive range of financial products and services
  • Established customer base
  • Robust financial performance and stability
  • Efficient and effective operational processes
  • Skilled and experienced workforce

Weaknesses

Despite its strengths, Unicaja Banco SA also faces certain weaknesses that could hinder its growth and profitability. These weaknesses include:

  • Relatively smaller market share compared to larger competitors
  • Limited geographical presence
  • Dependency on traditional banking channels
  • Lack of differentiation in product offerings
  • Challenges in adapting to digital transformation

Opportunities

Unicaja Banco SA has several opportunities to capitalize on and further expand its business. These opportunities include:

  • Growing demand for online and mobile banking services
  • Expanding into new markets and geographical regions
  • Partnering with fintech companies for innovative solutions
  • Increasing customer engagement through personalized experiences
  • Exploring new product offerings in wealth management and asset management

Threats

Unicaja Banco SA faces several threats that could negatively impact its business operations and financial performance. These threats include:

  • Intense competition from other banking institutions
  • Economic downturns and market fluctuations
  • Regulatory and compliance challenges
  • Cybersecurity threats
  • Changing customer expectations and preferences
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Unicaja Banco Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Unicaja Banco historical P/E ratio, EBIT multiple, and P/S ratio

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Unicaja Banco shares outstanding

The number of shares was Unicaja Banco in 2023 — This indicates how many shares 2.655 B is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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  • Max

Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Unicaja Banco earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Unicaja Banco's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Unicaja Banco’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Unicaja Banco's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Unicaja Banco dividend history and estimates

In 2023, Unicaja Banco paid a dividend amounting to 0.05 EUR. Dividend means that Unicaja Banco distributes a portion of its profits to its owners.

  • 3 years

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Unicaja Banco provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Unicaja Banco’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Unicaja Banco's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Unicaja Banco Dividend History

DateUnicaja Banco Dividend
2027e0.05 undefined
2026e0.05 undefined
2025e0.05 undefined
2024e0.05 undefined
20230.05 undefined
20220.03 undefined
20210.01 undefined
20190.04 undefined
20180.02 undefined

Unicaja Banco dividend payout ratio

In 2023, Unicaja Banco had a payout ratio of 15.58%. The payout ratio indicates the percentage of the company's profits that Unicaja Banco distributes as dividends.

  • 3 years

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Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Unicaja Banco represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Unicaja Banco could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Unicaja Banco's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Unicaja Banco Payout Ratio History

DateUnicaja Banco Payout ratio
2027e15.71 %
2026e15.68 %
2025e17.73 %
2024e13.72 %
202315.58 %
202223.9 %
20211.69 %
202021.16 %
201937.89 %
201823.88 %
201721.16 %
201621.16 %
201521.16 %
201421.16 %
201321.16 %
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Unfortunately, there are currently no price targets and forecasts available for Unicaja Banco.

Unicaja Banco latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240.06 0.06  (-0.99 %)2024 Q3
6/30/20240.07 0.06  (-15.13 %)2024 Q2
3/31/20240.03 0.04  (32.01 %)2024 Q1
9/30/20230.06 0.05  (-17.49 %)2023 Q3
6/30/20230.05 0.04  (-20.79 %)2023 Q2
3/31/20230.03 0.01  (-60.47 %)2023 Q1
12/31/20220.04 -0.01  (-114.12 %)2022 Q4
9/30/20220.07 0.04  (-43.42 %)2022 Q3
6/30/20220.03 0.04  (32.01 %)2022 Q2
3/31/20220.08 0.02  (-75.25 %)2022 Q1
1
2
3

Eulerpool ESG Scorecard© for the Unicaja Banco stock

Eulerpool World ESG Rating (EESG©)

73/ 100

🌱 Environment

99

👫 Social

99

🏛️ Governance

20

Environment

Scope 1 - Direct Emissions
2,261
Scope 2 - Indirect emissions from purchased energy
481
Scope 3 - Indirect emissions within the value chain
9,489
Total CO₂ emissions
2,742
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees54.3
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

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Unicaja Banco shareholders

%
Name
Stocks
Change
Date
31.22082 % Unicaja802,821,64408/30/2024
9.39516 % Olivo Lopez (Tomas)241,589,84708/30/2024
8.81699 % Indumenta Pueri, S.L.226,722,77908/30/2024
7.71367 % Norges Bank Investment Management (NBIM)198,351,57254,800,07311/8/2023
6.88634 % Fundacion Bancaria Caja de Ahorros de Asturias177,077,39308/30/2024
5.33769 % Santa Luc¿a Asset Management S.G.I.I.C., S.A.U.137,254,89108/30/2024
1.75872 % The Vanguard Group, Inc.45,224,26483,6719/30/2024
1.37314 % Fidelity Management & Research Company LLC35,309,412537,8458/31/2024
0.79222 % Goldman Sachs Asset Management, L.P.20,371,36410,773,8417/31/2024
0.73696 % Dimensional Fund Advisors, L.P.18,950,52336,3398/31/2024
1
2
3
4
5
...
10

Unicaja Banco Executives and Management Board

Don Manuel Azuaga Moreno

Unicaja Banco Non-Executive Chairman of the Board, Other External Director (since 2011)
Compensation 899,000

Dna. Maria Luisa Arjonilla Lopez

Unicaja Banco External Independent Director
Compensation 109,000

Dna. Maria Corces

(53)
Unicaja Banco External Independent Director
Compensation 102,000

Dna. Teresa Saez Ponte

Unicaja Banco External Proprietary Director (since 2018)
Compensation 89,000

Dna. Petra Mateos-Aparicio Morales

Unicaja Banco External Proprietary Director
Compensation 79,000
1
2
3
4
5
...
8

Unicaja Banco Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
Aegon NV Stock
Aegon NV
SupplierCustomer0,770,550,390,680,480,81
Elecnor Stock
Elecnor
SupplierCustomer0,470,74-0,260,150,260,62
Mapfre Stock
Mapfre
SupplierCustomer0,460,210,770,620,560,80
EVO Payments A Stock
EVO Payments A
SupplierCustomer0,040,440,660,47-0,120,05
1

Most common questions regarding Unicaja Banco

What values and corporate philosophy does Unicaja Banco represent?

Unicaja Banco SA represents a strong commitment to values and corporate philosophy. The company prioritizes integrity, professionalism, customer orientation, and social responsibility. Unicaja Banco SA strives to provide secure and reliable financial services to its customers, ensuring their satisfaction and trust. With a focus on transparency and ethical conduct, the company aims to build long-lasting relationships with clients, shareholders, and employees. Unicaja Banco SA's corporate philosophy also emphasizes innovation and continuous improvement in order to adapt to the evolving needs of its customers and the market.

In which countries and regions is Unicaja Banco primarily present?

Unicaja Banco SA is primarily present in Spain.

What significant milestones has the company Unicaja Banco achieved?

Unicaja Banco SA has achieved several significant milestones throughout its history. Firstly, the company successfully completed its initial public offering (IPO) in 2017, becoming a publicly traded entity. Furthermore, it has focused on expanding its market presence and strengthening its position within the financial industry. Unicaja Banco has also actively pursued growth strategies through acquisitions and mergers, allowing it to increase its customer base and market share. Additionally, the company has demonstrated a commitment to corporate social responsibility, supporting various social, cultural, and educational initiatives in the communities it serves. These milestones exemplify Unicaja Banco SA's dedication to innovation, growth, and community engagement.

What is the history and background of the company Unicaja Banco?

Unicaja Banco SA, a renowned financial institution, boasts a rich history and a strong background. Established in 2011, Unicaja Banco is headquartered in Malaga, Spain. The company emerged as a result of a merger between Unicaja, a well-established savings bank, and Caja de Jaén. With a focus on serving customers' financial needs, Unicaja Banco has flourished into one of the leading banks in the Spanish market. It offers a comprehensive range of banking services, including retail banking, corporate banking, asset management, insurance, and more. Unicaja Banco's commitment to customer satisfaction, coupled with its extensive experience and expertise, has solidified its position as a trusted and reliable financial institution.

Who are the main competitors of Unicaja Banco in the market?

The main competitors of Unicaja Banco SA in the market include financial institutions such as Banco Santander, BBVA, Caixabank, and Bankia. These companies compete with Unicaja Banco SA in offering various banking services and products to customers. Unicaja Banco SA, though faced with competition, maintains its position by leveraging its strong brand reputation, customer-centric approach, and innovative financial solutions.

In which industries is Unicaja Banco primarily active?

Unicaja Banco SA primarily operates in the financial industry.

What is the business model of Unicaja Banco?

The business model of Unicaja Banco SA revolves around providing a wide range of financial products and services to individuals, businesses, and institutions. As a leading retail bank in Spain, Unicaja Banco focuses on delivering personalized banking solutions, including deposits, loans, mortgages, credit cards, insurance, and investment services. By leveraging a comprehensive branch network, digital channels, and strategic partnerships, Unicaja Banco aims to offer convenient and accessible banking solutions to meet the diverse needs of its customers. Through prudent risk management, cost control, and a customer-centric approach, Unicaja Banco strives to maintain profitability and long-term growth in the financial industry.

What is the P/E ratio of Unicaja Banco 2024?

The Unicaja Banco P/E ratio is 5.93.

What is the P/S ratio of Unicaja Banco 2024?

The Unicaja Banco P/S ratio is 1.65.

What is the Quality Investing of Unicaja Banco?

The Quality Investing for Unicaja Banco is 5/10.

What is the revenue of Unicaja Banco 2024?

The expected Unicaja Banco revenue is 2 B EUR.

How high is the profit of Unicaja Banco 2024?

The expected Unicaja Banco profit is 555.97 M EUR.

What is the business model of Unicaja Banco

Unicaja Banco SA is one of the leading banks in Spain, offering a wide range of financial services to private and business customers. The bank operates in the areas of retail and corporate banking, asset management, investment banking, and insurance. Retail banking includes various products and services such as checking accounts, savings accounts, credit cards, mortgages, consumer and auto loans, online banking, and financial planning. Corporate banking offers services like business accounts, loans, credit lines, business cards, leasing, factoring, and digital solutions for companies. Asset management includes investment and portfolio management, investment funds, stock and bond investments, pension plans, trust services, and security loans. Investment banking services include mergers and acquisitions, capital increases and reductions, initial public offerings, and private placements. The bank also offers insurance products such as car, home, accident, health, life, and retirement insurance and collaborates with insurance companies to provide the best offers and rates. Unicaja Banco SA has a widespread network of branches and ATMs throughout the country and offers online and mobile banking services. In summary, the bank provides a comprehensive range of financial products and services, along with advisory support to help customers achieve their long-term financial goals, and also operates in investment banking and asset and wealth management, partnering with leading insurance companies to offer the best insurance products.

What is the Unicaja Banco dividend?

Unicaja Banco pays a dividend of 0.03 EUR distributed over payouts per year.

How often does Unicaja Banco pay dividends?

The dividend cannot currently be calculated for Unicaja Banco or the company does not pay out a dividend.

What is the Unicaja Banco ISIN?

The ISIN of Unicaja Banco is ES0180907000.

What is the Unicaja Banco WKN?

The WKN of Unicaja Banco is A1W97N.

What is the Unicaja Banco ticker?

The ticker of Unicaja Banco is UNI.MC.

How much dividend does Unicaja Banco pay?

Over the past 12 months, Unicaja Banco paid a dividend of 0.05 EUR . This corresponds to a dividend yield of about 3.9 %. For the coming 12 months, Unicaja Banco is expected to pay a dividend of 0.05 EUR.

What is the dividend yield of Unicaja Banco?

The current dividend yield of Unicaja Banco is 3.9 %.

When does Unicaja Banco pay dividends?

Unicaja Banco pays a quarterly dividend. This is distributed in the months of May, May, May, January.

How secure is the dividend of Unicaja Banco?

Unicaja Banco paid dividends every year for the past 7 years.

What is the dividend of Unicaja Banco?

For the upcoming 12 months, dividends amounting to 0.05 EUR are expected. This corresponds to a dividend yield of 4 %.

In which sector is Unicaja Banco located?

Unicaja Banco is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Unicaja Banco kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Unicaja Banco from 12/19/2024 amounting to 0.06 EUR, you needed to have the stock in your portfolio before the ex-date on 12/18/2024.

When did Unicaja Banco pay the last dividend?

The last dividend was paid out on 12/19/2024.

What was the dividend of Unicaja Banco in the year 2023?

In the year 2023, Unicaja Banco distributed 0.025 EUR as dividends.

In which currency does Unicaja Banco pay out the dividend?

The dividends of Unicaja Banco are distributed in EUR.

All fundamentals about Unicaja Banco

Our stock analysis for Unicaja Banco Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Unicaja Banco Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.