Unicaja Banco (UNI.MC) Stock Price

Unicaja Banco Price

BME·CLOSED
3.55EUR-0.06 (-1.62 %)
Market closed

Over the last 21 years Unicaja Banco grew revenue by 5.1% annually, reaching 2.58 B EUR. Earnings per share have grown at 13.8% per year over the last 9 years. For Unicaja Banco, the net margin of 24.5% is down versus 81.3% a few years ago. At today's price the dividend yield works out to roughly 3.93%. The payout ratio is around 57% of earnings. The dividend has grown at 30.6% per year over the past 7 years. The consensus 12-month price target for Unicaja Banco is 2.65 EUR, about 25.3% below where the stock trades today. Of 25 analysts, 2 rate the stock a buy — an overall Sell consensus. The stock trades about 57% above its 52-week low.

Unicaja Banco stock price

Volume
Ex-Dividend
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.

Unicaja Banco Stock Price History
DateUnicaja Banco Price
8/19/20263.55 EUR
8/17/20263.61 EUR
8/14/20263.62 EUR
8/13/20263.58 EUR
8/12/20263.52 EUR
8/11/20263.53 EUR
8/10/20263.54 EUR
8/7/20263.51 EUR
8/6/20263.52 EUR
8/5/20263.45 EUR
8/4/20263.42 EUR
7/31/20263.33 EUR
7/30/20263.22 EUR
7/29/20263.18 EUR
7/28/20263.35 EUR
7/27/20263.35 EUR
7/24/20263.37 EUR
7/23/20263.33 EUR
7/22/20263.34 EUR
7/21/20263.31 EUR
7/20/20263.24 EUR
7/17/20263.23 EUR
7/16/20263.26 EUR
7/15/20263.25 EUR
7/14/20263.27 EUR
7/13/20263.27 EUR
7/10/20263.27 EUR
7/9/20263.25 EUR
7/8/20263.19 EUR
7/7/20263.24 EUR
7/6/20263.24 EUR
7/3/20263.23 EUR
7/2/20263.21 EUR
7/1/20263.18 EUR
6/30/20263.12 EUR
6/29/20263.08 EUR
6/26/20263.09 EUR
6/25/20263.09 EUR
6/24/20263.10 EUR
6/23/20263.18 EUR
6/22/20263.19 EUR
6/19/20263.14 EUR
6/18/20263.14 EUR
6/17/20263.08 EUR
6/16/20263.03 EUR
6/15/20263.01 EUR
6/12/20262.94 EUR
6/11/20262.86 EUR
6/10/20262.82 EUR
6/9/20262.80 EUR
6/8/20262.83 EUR
6/5/20262.83 EUR
6/4/20262.82 EUR
6/3/20262.83 EUR
6/2/20262.84 EUR
6/1/20262.88 EUR
5/29/20262.86 EUR
5/28/20262.83 EUR
5/27/20262.85 EUR
5/26/20262.88 EUR
5/25/20262.86 EUR
5/22/20262.80 EUR
5/21/20262.79 EUR
5/20/20262.73 EUR
5/19/20262.72 EUR
5/18/20262.74 EUR
5/15/20262.73 EUR
5/14/20262.76 EUR
5/13/20262.72 EUR
5/12/20262.71 EUR
5/11/20262.76 EUR
5/8/20262.76 EUR
5/7/20262.78 EUR
5/6/20262.74 EUR
5/5/20262.70 EUR
5/4/20262.66 EUR
4/30/20262.76 EUR
4/29/20262.73 EUR
4/28/20262.73 EUR
4/27/20262.68 EUR
4/24/20262.65 EUR
4/23/20262.68 EUR
4/22/20262.73 EUR
4/21/20262.74 EUR
4/20/20262.85 EUR
4/17/20262.87 EUR
4/16/20262.81 EUR
4/15/20262.86 EUR
4/14/20262.83 EUR
4/13/20262.78 EUR
4/10/20262.76 EUR
4/9/20262.71 EUR
4/8/20262.72 EUR
4/7/20262.62 EUR
4/2/20262.57 EUR
3/27/20262.50 EUR
3/26/20262.52 EUR
3/25/20262.57 EUR
3/24/20262.52 EUR
3/23/20262.53 EUR
3/20/20262.49 EUR
3/19/20262.49 EUR
3/17/20262.50 EUR
3/16/20262.45 EUR
3/13/20262.45 EUR
3/12/20262.47 EUR
3/11/20262.59 EUR
3/10/20262.59 EUR
3/9/20262.51 EUR
3/6/20262.52 EUR
3/5/20262.55 EUR
2/27/20262.72 EUR
2/26/20262.72 EUR
2/25/20262.72 EUR
2/23/20262.74 EUR
2/20/20262.71 EUR
2/19/20262.70 EUR
2/18/20262.70 EUR
2/17/20262.64 EUR
2/16/20262.62 EUR
2/13/20262.61 EUR
2/12/20262.65 EUR
2/11/20262.71 EUR
2/10/20262.76 EUR
2/9/20262.81 EUR
2/6/20262.75 EUR
2/5/20262.76 EUR
2/4/20262.82 EUR
2/3/20262.83 EUR
2/2/20262.97 EUR
1/30/20262.89 EUR
1/29/20262.81 EUR
1/28/20262.84 EUR
1/27/20262.90 EUR
1/26/20262.84 EUR
1/23/20262.79 EUR
1/22/20262.82 EUR
1/21/20262.81 EUR
1/20/20262.79 EUR
1/19/20262.83 EUR
1/16/20262.83 EUR
1/15/20262.82 EUR
1/14/20262.82 EUR
1/13/20262.81 EUR
1/12/20262.77 EUR
1/9/20262.75 EUR
1/8/20262.74 EUR
1/7/20262.71 EUR
1/6/20262.78 EUR
1/5/20262.83 EUR
1/2/20262.83 EUR
12/31/20252.78 EUR
12/30/20252.80 EUR
12/29/20252.74 EUR
12/24/20252.78 EUR
12/23/20252.79 EUR
12/22/20252.77 EUR
12/19/20252.77 EUR
12/18/20252.75 EUR
12/17/20252.71 EUR
12/16/20252.70 EUR
12/15/20252.74 EUR
12/12/20252.68 EUR
12/11/20252.71 EUR
12/10/20252.66 EUR
12/9/20252.67 EUR
12/8/20252.64 EUR
12/5/20252.63 EUR
12/4/20252.63 EUR
12/3/20252.61 EUR
12/2/20252.59 EUR
12/1/20252.54 EUR
11/28/20252.53 EUR
11/27/20252.51 EUR
11/26/20252.52 EUR
11/25/20252.48 EUR
11/24/20252.47 EUR
11/21/20252.39 EUR
11/20/20252.44 EUR
11/19/20252.41 EUR
11/18/20252.41 EUR
11/17/20252.45 EUR
11/14/20252.45 EUR
11/13/20252.52 EUR
11/12/20252.56 EUR
11/11/20252.50 EUR
11/10/20252.51 EUR
11/7/20252.42 EUR
11/6/20252.49 EUR
11/5/20252.43 EUR
11/4/20252.40 EUR
11/3/20252.37 EUR
10/31/20252.34 EUR
10/30/20252.35 EUR
10/29/20252.34 EUR
10/28/20252.35 EUR
10/27/20252.33 EUR
10/24/20252.32 EUR
10/23/20252.29 EUR
10/22/20252.34 EUR
10/21/20252.35 EUR
10/20/20252.35 EUR
10/17/20252.31 EUR
10/16/20252.31 EUR
10/15/20252.31 EUR
10/14/20252.35 EUR
10/13/20252.31 EUR
10/10/20252.28 EUR
10/9/20252.33 EUR
10/8/20252.36 EUR
10/7/20252.30 EUR
10/6/20252.30 EUR
10/3/20252.32 EUR
10/2/20252.32 EUR
10/1/20252.33 EUR
9/30/20252.33 EUR
9/29/20252.31 EUR
9/26/20252.31 EUR
9/25/20252.26 EUR
9/24/20252.29 EUR
9/23/20252.26 EUR
9/22/20252.30 EUR
9/19/20252.35 EUR
9/18/20252.33 EUR
9/17/20252.33 EUR
9/16/20252.36 EUR
9/15/20252.42 EUR
9/12/20252.38 EUR
9/11/20252.40 EUR
9/10/20252.38 EUR
9/9/20252.36 EUR
9/8/20252.36 EUR
9/5/20252.31 EUR
9/4/20252.33 EUR
9/3/20252.31 EUR
9/2/20252.36 EUR
9/1/20252.38 EUR
8/29/20252.37 EUR
8/28/20252.38 EUR
8/27/20252.37 EUR
8/26/20252.41 EUR
8/25/20252.43 EUR
8/22/20252.45 EUR
8/21/20252.43 EUR
8/20/20252.40 EUR
Access this data via the Eulerpool API
Get Free API Key

Unicaja Banco Revenue, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2022
1.94 B EUR
277.58 M EUR
Jan 1, 2023
2.97 B EUR
266.70 M EUR
Jan 1, 2024
3.28 B EUR
573.33 M EUR
Jan 1, 2025
2.58 B EUR
632.00 M EUR
Jan 1, 2026 (e)
2.16 B EUR
671.91 M EUR
Jan 1, 2027 (e)
2.27 B EUR
708.17 M EUR
Jan 1, 2028 (e)
2.31 B EUR
715.60 M EUR
Jan 1, 2029 (e)
2.42 B EUR
771.43 M EUR

Unicaja Banco Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 19, 2026, 4:15 PM
 
REVENUEB EUR
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB EUR
NET INCOMEB EUR
NET INCOME GROWTH%
DIV.EUR
DIV. GROWTH%
SHARESB
2014201520162017201820192020202120222023202420252026e2027e2028e2029e
2.192.261.611.361.311.271.181.371.942.973.282.582.162.272.312.42
40.043.15-28.82-15.34-3.96-3.21-6.9516.1242.0052.7310.58-21.44-16.214.812.084.71
65.5773.8375.7180.1984.4285.4087.6291.0989.6166.5964.8282.2082.2082.2082.2082.20
1.441.671.221.091.111.081.031.251.741.982.132.121.781.861.901.99
0.470.190.140.140.150.170.081.110.280.270.570.630.670.710.720.77
777.78-60.76-23.66–7.0413.16-55.231,345.45-75.11-3.97115.4110.306.175.510.997.83
––––0.020.04–0.010.030.050.170.140.110.130.15–
–––––100.00––200.0066.67240.00-17.65-21.4318.1815.38–
2.572.571.851.611.611.581.582.652.652.652.572.572.572.572.572.57
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

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.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Profit margin
Details
Date
Profit margin
Jan 1, 2021
81.27 %
Jan 1, 2022
14.28 %
Jan 1, 2023
8.98 %
Jan 1, 2024
17.46 %
Jan 1, 2025
24.50 %
Jan 1, 2026 (e)
31.09 %
Jan 1, 2027 (e)
31.26 %
Jan 1, 2028 (e)
30.95 %

Unicaja Banco Revenue per Share, 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.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2021
0.52 EUR
0.42 EUR
Jan 1, 2022
0.73 EUR
0.10 EUR
Jan 1, 2023
1.12 EUR
0.10 EUR
Jan 1, 2024
1.28 EUR
0.22 EUR
Jan 1, 2025
1.00 EUR
0.25 EUR
Jan 1, 2026 (e)
0.84 EUR
0.26 EUR
Jan 1, 2027 (e)
0.88 EUR
0.28 EUR
Jan 1, 2028 (e)
0.90 EUR
0.28 EUR

Unicaja Banco business model & stock analysis

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 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

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

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

The number of shares of Unicaja Banco was 2.57 B in 2025. This indicates how many shares Unicaja Banco is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
2.65 B Stocks
Jan 1, 2022
2.65 B Stocks
Jan 1, 2023
2.65 B Stocks
Jan 1, 2024
2.57 B Stocks
Jan 1, 2025
2.57 B Stocks
Jan 1, 2026 (e)
2.57 B Stocks
Jan 1, 2027 (e)
2.57 B Stocks
Jan 1, 2028 (e)
2.57 B Stocks

Unicaja Banco Dividend History

8 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.11EURYTD—1×
Apr 21, 20260.11EUR↑ 62.2%1/1
20250.14EUR↓ 17.8%2×
Apr 22, 20250.07EUR↑ 23.1%1/2
Sep 23, 20250.07EUR↓ 11.0%2/2
20240.17EUR↑ 250.4%3×
20230.05EUR↑ 93.7%1×
20220.03EUR↑ 168.2%1×
20210.01EUR↓ 75.4%2×
20190.04EUR↑ 76.3%1×
20180.02EUR—1×

Unicaja Banco dividend history and estimates

In 2025, Unicaja Banco paid a dividend amounting to 0.14 EUR. Dividend means that Unicaja Banco distributes a portion of its profits to its owners.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Dividend
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2021
0.01 EUR
0.00 EUR
Jan 1, 2022
0.03 EUR
0.00 EUR
Jan 1, 2023
0.05 EUR
0.00 EUR
Jan 1, 2024
0.17 EUR
0.00 EUR
Jan 1, 2025
0.14 EUR
0.00 EUR
Jan 1, 2026
0.11 EUR
0.00 EUR
Jan 1, 2027 (e)
0.00 EUR
0.13 EUR
Jan 1, 2028 (e)
0.00 EUR
0.15 EUR

Unicaja Banco dividend payout ratio

In 2025, Unicaja Banco had a payout ratio of 56.73%. The payout ratio indicates the percentage of the company's profits that Unicaja Banco distributes as dividends.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2021
2.22 %
Jan 1, 2022
23.91 %
Jan 1, 2023
48.16 %
Jan 1, 2024
49.17 %
Jan 1, 2025
56.73 %
Jan 1, 2026 (e)
40.78 %
Jan 1, 2027 (e)
46.43 %
Jan 1, 2028 (e)
55.14 %

Current Unicaja Banco forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
6.12 %
Buy
8.00 % (2)
Hold
44.00 % (11)
Sell
48.00 % (12)
12M Price Target
2.65
Last Price
3.61
Currency
EUR
12M Return Potential
-26.50 %
LTM Return
0 %

Unicaja Banco Earnings Calls

2025

Unicaja Banco Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
1/29/20240.03EUR--EUR-2023 Q4
2/1/20230.03EUR--EUR-2022 Q4
10/27/20220.07EUR-416.56 MEUR-2022 Q3
7/27/20220.03EUR-416.66 MEUR-2022 Q2
4/27/20220.08EUR-392.60 MEUR-2022 Q1
2/3/2022-0.17EUR-317.98 MEUR-2021 Q4
11/3/20210.04EUR-392.08 MEUR-2021 Q3
7/28/20210.03EUR-226.71 MEUR-2021 Q2
5/5/20210.02EUR-238.50 MEUR-2021 Q1
11/3/20200.03EUR-236.58 MEUR-2020 Q3

EESG©

Eulerpool ESG Scorecard© for the Unicaja Banco stock

74/100
99
Environment
99
Social
23
Governance
E

Environment

20
Scope 1 - Direct Emissions2,261
Scope 2 - Indirect emissions from purchased energy481
Scope 3 - Indirect emissions within the value chain10,399,107.92
Total CO₂ emissions2,742
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
S

Social

20
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
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

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%
Unicaja
Unicaja
9.39002%
Olivo Lopez (Tomas)
Olivo Lopez (Tomas)
8.81002%
Indumenta Pueri, S.L.
Indumenta Pueri, S.L.
6.89001%
Fundacion Bancaria Caja de Ahorros de Asturias
Fundacion Bancaria Caja de Ahorros de Asturias
5.89001%
Santa Lucía Asset Management S.G.I.I.C., S.A.U.
Santa Lucía Asset Management S.G.I.I.C., S.A.U.
2.02970%
Norges Bank Investment Management (NBIM)
Norges Bank Investment Management (NBIM)
...

Unicaja Banco Beneficial Ownership Filings (SEC 13D/G)

Free Float
35.9%
Float Shares
-
Shares Outstanding
-

Unicaja Banco Executives and Management Board

28 members · avg. age 55 · 25 % women

DG

Don Isidro Rubiales Gil

Chief Executive Officer, Executive Director

677,000.00 EUR

Management

DM

Don Pablo Gonzalez Martin

Chief Financial Officer

–
DC

Don Jose Maria De La Vega Carnicero

Chief Operating & Technology Officer · since 2024

–
DS

Don Juan Sebastian Medina Serramitjana

Chief Human Resource, Organization and Legal Officer

–
DB

Don Cedric Blanchetiere

Chief Global Risk and Supervisory Relations Officer · since 2023

–

Board of Directors

DA

Don Jose Sevilla Alvarez

Independent Chairman of the Board of Directors

271,000.00 EUR
DF

Dna. Rocio Fernandez Funcia

Lead Independent Director

137,000.00 EUR
DC

Dna. Carolina Martinez Caro (54)

External Independent Director

127,000.00 EUR
DP

Dna. Nuria Alino Perez (55)

External Independent Director

124,000.00 EUR
DL

Dna. Maria Luisa Arjonilla Lopez

External Independent Director

117,000.00 EUR
DV

Don Juan Antonio Izaguirre Ventosa

External Proprietary Director

113,000.00 EUR

Unicaja Banco Supply Chain

Unicaja Banco Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
4 companies
#Nameβ 1YTrend
1
Aegon NV
Supplier·Customer·Insurance·NL
0.77
0.55
0.39
0.68
0.48
0.81
0.52
2
Mapfre
Customer·Insurance·ES
0.46
0.21
0.77
0.62
0.56
0.80
0.49
3
Elecnor
Supplier·Construction & Engineering·ES
0.47
0.74
-0.26
0.15
0.26
0.62
0.35
#Nameβ 1YTrend
1
EVO Payments A
Customer·IT Services·US
0.04
0.44
0.66
0.47
-0.12
0.05
—

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 SA primarily operates in the financial industry.

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.

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.

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.

Unicaja Banco SA is primarily present in Spain.

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.

Analysts currently set an average price target of 2.66 EUR for the Unicaja Banco stock (median: 2.65 EUR), implying -26.1 % versus the latest price. The consensus is based on 25 analyst ratings.

Unicaja Banco Analyst Price Targets 2026

25 analysts currently rate the Unicaja Banco stock: 2 recommend buying, 11 holding and 12 selling. For 2026, analysts expect Unicaja Banco to generate revenue of 2.16 B EUR and earnings per share of 0.26 EUR.

Unicaja Banco Analyst Price Targets 2026

The Unicaja Banco share (UNI.MC) is listed on 7 stock exchanges, including: Frankfurt (7UB.F), München (7UB.MU), Düsseldorf (7UB.DU), London (0RR7.L).

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.

The expected revenue of Unicaja Banco is 2.16 B EUR. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Unicaja Banco is 671.91 M EUR. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Unicaja Banco is currently 13.58. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Unicaja Banco stock.

The price-to-sales ratio (P/S) of Unicaja Banco is currently 4.22. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Unicaja Banco stock.

The Eulerpool Quality Score for Unicaja Banco is 5/10.

The ISIN of Unicaja Banco is ES0180907000. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Unicaja Banco is A1W97N. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Unicaja Banco is UNI.MC. The ticker symbol is used to trade Unicaja Banco shares on the stock exchange.

Over the past 12 months, Unicaja Banco paid a dividend of 0.14 EUR . This corresponds to a dividend yield of about 3.93 %. For the coming 12 months, Unicaja Banco is expected to pay a dividend of 0.13 EUR.

The current dividend yield of Unicaja Banco is 3.93 %.

Unicaja Banco pays a dividend, distributed in the months of , , , .

Unicaja Banco paid dividends every year for the past 5 years.

For the upcoming 12 months, dividends amounting to 0.13 EUR are expected. This corresponds to a dividend yield of 3.54 %.

Unicaja Banco is assigned to the 'Finance' sector.

In the year 2025, Unicaja Banco distributed 0.17 EUR as dividends.

The dividends of Unicaja Banco are distributed in EUR.

All fundamentals and in-depth analysis of Unicaja Banco

Our stock analysis for Unicaja Banco 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. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

Unicaja Banco Stock
Unicaja Banco Revenue→
Unicaja Banco Stock
Unicaja Banco Net Income→
Unicaja Banco Stock
Unicaja Banco P/E→
Unicaja Banco Stock
Unicaja Banco P/S→
Unicaja Banco Stock
Unicaja Banco EBIT→
Unicaja Banco Stock
Unicaja Banco Dividend→
Unicaja Banco Stock
Unicaja Banco Directors Dealings→
Unicaja Banco Stock
Unicaja Banco Stocks→
Unicaja Banco Stock
Unicaja Banco Market capitalization→
Unicaja Banco Stock
Unicaja Banco Debt→
Unicaja Banco Stock
Unicaja Banco Liabilities→
Unicaja Banco Stock
Unicaja Banco Equity→
Unicaja Banco Stock
Unicaja Banco AAQS→
Unicaja Banco Stock
Unicaja Banco Employees→
Unicaja Banco Stock
Unicaja Banco ROE→
Unicaja Banco Stock
Unicaja Banco ROA→
Unicaja Banco Stock
Unicaja Banco ROCE→
Unicaja Banco Stock
Unicaja Banco News→
Unicaja Banco Stock
Unicaja Banco Analyst Price Targets→

Finance Stocks

UniCap Investment and Finance Co KSCPUnfold.vc AsiUniCredit SpAunbankedUnion Bank of IndiaUNBUnion Bank of TaiwanUmweltbankUnion BanksharesUMB FinancialUnion Insurance CoUjjivan Small Finance BankAll Stocks A–Z →