Unicaja Banco (UNI.MC) Stock Price
Unicaja Banco Price
Unicaja Banco (UNI.MC) Stock | ISIN ES0180907000 | WKN A1W97N. The current Unicaja Banco stock price is 3.03 EUR (2026). Revenue is 2.15 B EUR. Net income is 629.26 M EUR. The P/E ratio is 12.4. Market capitalization is 7.8 B EUR. Unicaja Banco operates in the Finance sector.
Over the last 12 years Unicaja Banco grew revenue by 5.3% annually, reaching 2.99 B EUR. Earnings per share have grown at 12.7% per year over the last 12 years. For Unicaja Banco, the net margin of 21.1% is down versus 39.8% a few years ago. At today's price the dividend yield works out to roughly 4.6%. The payout ratio is around 18% of earnings. The dividend has grown at 30.6% per year over the past 7 years.
Unicaja Banco stock price
Details
Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Unicaja Banco over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Unicaja Banco stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Unicaja Banco's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Unicaja Banco Price |
|---|
Unicaja Banco Revenue, EBIT, Net Income
3 Years
5 Years
10 Years
25 Years
Max
Details
Unicaja Banco Income Statement, Balance Sheet, Cash Flow Statement
| REVENUE (B EUR) |
|---|
| REVENUE GROWTH (%) |
| GROSS MARGIN (%) |
| GROSS INCOME (M EUR) |
| EBIT (B EUR) |
| EBIT MARGIN (%) |
| NET INCOME (B EUR) |
| NET INCOME GROWTH (%) |
| DIVIDEND (EUR)DIV. (EUR) |
| DIVIDEND GROWTH (%)DIV. GROWTH (%) |
| SHARES (B) |
| DOCUMENTS |
| 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e | 2029e |
|---|---|---|---|---|---|---|---|
| 2.11 | 3.15 | 3.44 | 2.99 | 2.15 | 2.21 | 2.29 | 2.33 |
| -24.46 | 49.05 | 9.18 | -12.89 | -28.29 | 3.12 | 3.21 | 1.75 |
| - | - | - | - | - | - | - | - |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 1.2 | 1.11 | 1.16 | 1.21 |
| – | – | – | – | – | – | – | – |
| 0.28 | 0.27 | 0.57 | 0.63 | 0.63 | 0.65 | 0.64 | 0.7 |
| -75.11 | -3.97 | 115.41 | 10.3 | -0.47 | 3.18 | -1.85 | 9.26 |
| 0.03 | 0.05 | 0.17 | 0.14 | 0.04 | 0.04 | 0.04 | - |
| 200 | 66.67 | 240 | -17.65 | -71.43 | – | – | – |
| 2.65 | 2.66 | 2.61 | 2.57 | 2.57 | 2.57 | 2.57 | 2.57 |
| – | – | – | – | – | – | – | – |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Unicaja Banco generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Unicaja Banco retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Unicaja Banco's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Unicaja Banco has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Unicaja Banco's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Unicaja Banco stock margins
3 Years
5 Years
10 Years
25 Years
Max
Details
Unicaja Banco Stock Revenue, EBIT, Earnings per Share
3 Years
5 Years
10 Years
25 Years
Max
Details
Unicaja Banco business model & stock analysis
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
Unicaja Banco Eulerpool Fair Value
Unicaja Banco historical P/E ratio, EBIT multiple, and P/S ratio
Unicaja Banco annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Unicaja Banco shares outstanding
3 Years
5 Years
10 Years
25 Years
Max
Details
Unicaja Banco Dividend History
7 years of dividend payments
Unicaja Banco dividend history and estimates
3 Years
5 Years
10 Years
25 Years
Max
Details
Unicaja Banco dividend payout ratio
3 Years
5 Years
10 Years
25 Years
Max
Details
Unicaja Banco Earnings Estimates
Unicaja Banco Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 1/29/2024 | 0.03EUR | -EUR | 2023 Q4 |
| 2/1/2023 | 0.03EUR | -EUR | 2022 Q4 |
| 10/27/2022 | 0.07EUR | 416.56 MEUR | 2022 Q3 |
| 7/27/2022 | 0.03EUR | 416.66 MEUR | 2022 Q2 |
| 4/27/2022 | 0.08EUR | 392.6 MEUR | 2022 Q1 |
| 2/3/2022 | -0.17EUR | 317.98 MEUR | 2021 Q4 |
| 11/3/2021 | 0.04EUR | 392.08 MEUR | 2021 Q3 |
| 7/28/2021 | 0.03EUR | 226.71 MEUR | 2021 Q2 |
| 5/5/2021 | 0.02EUR | 238.5 MEUR | 2021 Q1 |
| 11/3/2020 | 0.03EUR | 236.58 MEUR | 2020 Q3 |
EESG©
Eulerpool ESG Scorecard© for the Unicaja Banco stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Unicaja Banco shareholder structure
| % | Name |
|---|---|
31.22005% | |
9.39002% | |
8.81002% | |
6.89001% | |
5.89001% | |
2.0297% | |
1.36835% | |
0.95927% | |
0.7792% | |
0.69216% |
Unicaja Banco Executives and Management Board
Don Isidro Rubiales Gil
Chief Executive Officer, Executive Director
Don Jose Sevilla Alvarez
Independent Chairman of the Board of Directors
Dna. Rocio Fernandez Funcia
Lead Independent Director
Dna. Carolina Martinez Caro
(54)External Independent Director
Dna. Nuria Alino Perez
(55)External Independent Director
Unicaja Banco Supply Chain
Frequently asked questions about 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.
Unicaja Banco stock
Unicaja Banco Peer Group
Unicaja Banco Ticker
Unicaja Banco FIGI
All fundamentals and in-depth analysis of 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.