Unicaja Banco（7UB）株式概要ウニカハ・バンコS.A.はスペインでリテール・バンキング業務を行っている。 詳細7UB ファンダメンタル分析スノーフレーク・スコア評価1/6将来の成長1/6過去の実績4/6財務の健全性5/6配当金4/6報酬当社が推定した公正価値より9.5%で取引されている 収益は年間4.53%増加すると予測されています 過去1年間で収益は6.5%増加しました リスク分析不安定な配当実績 すべてのリスクチェックを見る7UB Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW473,956 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINRODA473,956 investors already sharing narrativesYour Fair Value€Current Price€3.5910.5% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture03b2016201920222025202620282031Revenue €2.6bEarnings €840.8mAdvancedSet Fair ValueView all narrativesUnicaja Banco, S.A. 競合他社CommerzbankSymbol: XTRA:CBKMarket cap: €42.4bProCredit HoldingSymbol: XTRA:PCZMarket cap: €475.3mUmweltBankSymbol: XTRA:UBKMarket cap: €161.0mMerkur PrivatBank KgaASymbol: XTRA:MBKMarket cap: €99.6m価格と性能株価の高値、安値、推移の概要Unicaja Banco過去の株価現在の株価€3.5952週高値€3.5952週安値€2.20ベータ0.381ヶ月の変化10.33%3ヶ月変化33.56%1年変化54.08%3年間の変化263.36%5年間の変化407.06%IPOからの変化178.29%最新ニュースDeclared Dividend • Aug 03First half dividend of €0.068 announcedShareholders will receive a dividend of €0.068. Ex-date: 22nd September 2026 Payment date: 24th September 2026 Dividend yield will be 4.7%, which is about the same as the industry average. Sustainability & Growth Dividend is covered by earnings (71% payout ratio) and is expected to be covered in 3 years' time (84% forecast payout ratio). The dividend has increased by an average of 31% per year over the past 8 years. However, payments have been volatile during that time. EPS is expected to grow by 15% over the next 3 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Aug 02Second quarter 2026 earnings releasedSecond quarter 2026 results: Revenue: €542.0m (up 5.7% from 2Q 2025). Net income: €201.0m (up 16% from 2Q 2025). Profit margin: 37% (up from 34% in 2Q 2025). Revenue is forecast to grow 4.9% p.a. on average during the next 3 years, compared to a 6.8% growth forecast for the Banks industry in Europe.お知らせ • Jun 14Unicaja Banco, S.A. to Report Q2, 2026 Results on Jul 31, 2026Unicaja Banco, S.A. announced that they will report Q2, 2026 results on Jul 31, 2026お知らせ • Feb 27Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2026Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2026. Location: avda. de andalucia, 10-12., malaga Spainお知らせ • Jul 29Mora Banc Grup, SA completed the acquisition of Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI).Mora Banc Grup, SA agreed to acquire Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI) for approximately €45 million on July 30, 2024. The closing of the transaction is subject to the non-opposition of the European Central Bank and the authorization of the Andorran Financial Authority Fernando Mínguez, Marco Antonio Sanz, Soraya Sáenz de Santamaría , Elizabeth Malagelada and Juan Bonilla of Cuatrecasas, Gonçalves Pereira, S.L.P. acted as legal advisor for Mora Banc Grup, SA. Mora Banc Grup, SA completed the acquisition of Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI) on July 30, 2024.お知らせ • Jul 08DXC Technology Company (NYSE:DXC) agreed to acquire Factoria De Transformacion De Operaciones Y Servicios Sl. from Unicaja Banco, S.A. (BME:UNI).DXC Technology Company (NYSE:DXC) agreed to acquire Factoria De Transformacion De Operaciones Y Servicios Sl. from Unicaja Banco, S.A. (BME:UNI) on July 7, 2025.最新情報をもっと見るRecent updatesDeclared Dividend • Aug 03First half dividend of €0.068 announcedShareholders will receive a dividend of €0.068. Ex-date: 22nd September 2026 Payment date: 24th September 2026 Dividend yield will be 4.7%, which is about the same as the industry average. Sustainability & Growth Dividend is covered by earnings (71% payout ratio) and is expected to be covered in 3 years' time (84% forecast payout ratio). The dividend has increased by an average of 31% per year over the past 8 years. However, payments have been volatile during that time. EPS is expected to grow by 15% over the next 3 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Aug 02Second quarter 2026 earnings releasedSecond quarter 2026 results: Revenue: €542.0m (up 5.7% from 2Q 2025). Net income: €201.0m (up 16% from 2Q 2025). Profit margin: 37% (up from 34% in 2Q 2025). Revenue is forecast to grow 4.9% p.a. on average during the next 3 years, compared to a 6.8% growth forecast for the Banks industry in Europe.お知らせ • Jun 14Unicaja Banco, S.A. to Report Q2, 2026 Results on Jul 31, 2026Unicaja Banco, S.A. announced that they will report Q2, 2026 results on Jul 31, 2026お知らせ • Feb 27Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2026Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2026. Location: avda. de andalucia, 10-12., malaga Spainお知らせ • Jul 29Mora Banc Grup, SA completed the acquisition of Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI).Mora Banc Grup, SA agreed to acquire Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI) for approximately €45 million on July 30, 2024. The closing of the transaction is subject to the non-opposition of the European Central Bank and the authorization of the Andorran Financial Authority Fernando Mínguez, Marco Antonio Sanz, Soraya Sáenz de Santamaría , Elizabeth Malagelada and Juan Bonilla of Cuatrecasas, Gonçalves Pereira, S.L.P. acted as legal advisor for Mora Banc Grup, SA. Mora Banc Grup, SA completed the acquisition of Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI) on July 30, 2024.お知らせ • Jul 08DXC Technology Company (NYSE:DXC) agreed to acquire Factoria De Transformacion De Operaciones Y Servicios Sl. from Unicaja Banco, S.A. (BME:UNI).DXC Technology Company (NYSE:DXC) agreed to acquire Factoria De Transformacion De Operaciones Y Servicios Sl. from Unicaja Banco, S.A. (BME:UNI) on July 7, 2025.お知らせ • May 13+ 1 more updateSabadell Said to Have Approached Unicaja Investors over DealBanco de Sabadell, S.A. (BME:SAB) has held informal talks about a combination with Spanish lender Unicaja Banco, S.A. (BME:UNI) as it seeks to head off a hostile takeover by larger rival BBVA SA, according to people familiar with the matter. Sabadell executives sounded out some of the key shareholders of Unicaja earlier this month about a potential deal, one of the people said. The informal proposal is still under consideration and may not lead to any formal merger talks, the people said, asking not to be named discussing private information.お知らせ • Feb 28Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2025Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2025. Location: avda de andalucia 10-12, malaga Spainお知らせ • Jan 14Unicaja Banco, S.A. to Report Q4, 2024 Results on Feb 04, 2025Unicaja Banco, S.A. announced that they will report Q4, 2024 results at 9:30 AM, Central European Standard Time on Feb 04, 2025Valuation Update With 7 Day Price Move • Nov 06Investor sentiment improves as stock rises 15%After last week's 15% share price gain to €1.23, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 56% over the past three years.Reported Earnings • Nov 01Third quarter 2024 earnings releasedThird quarter 2024 results: EPS: €0.06. Revenue: €486.0m (up 4.1% from 3Q 2023). Net income: €157.0m (up 15% from 3Q 2023). Profit margin: 32% (up from 29% in 3Q 2023). Revenue is forecast to grow 2.4% p.a. on average during the next 3 years, compared to a 3.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 60% per year but the company’s share price has increased by 9% per year, which means it is well ahead of earnings.New Risk • Oct 15New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.3% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.3% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.お知らせ • Oct 07Unicaja Banco, S.A. to Report Q3, 2024 Results on Oct 30, 2024Unicaja Banco, S.A. announced that they will report Q3, 2024 results Pre-Market on Oct 30, 2024Reported Earnings • Aug 01Second quarter 2024 earnings releasedSecond quarter 2024 results: Revenue: €516.0m (up 31% from 2Q 2023). Net income: €184.0m (up 71% from 2Q 2023). Profit margin: 36% (up from 27% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.4% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Europe.お知らせ • Jul 06Unicaja Banco, S.A. to Report Q2, 2024 Results on Jul 30, 2024Unicaja Banco, S.A. announced that they will report Q2, 2024 results Pre-Market on Jul 30, 2024Buy Or Sell Opportunity • Apr 17Now 20% undervaluedOver the last 90 days, the stock has risen 27% to €1.11. The fair value is estimated to be €1.39, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 29% over the last 3 years. Earnings per share has declined by 5.4%. For the next 3 years, revenue is forecast to grow by 6.4% per annum. Earnings are also forecast to grow by 10% per annum over the same time period.お知らせ • Apr 12Unicaja Banco, S.A. to Report Q1, 2024 Results on Apr 29, 2024Unicaja Banco, S.A. announced that they will report Q1, 2024 results Pre-Market on Apr 29, 2024Upcoming Dividend • Apr 10Upcoming dividend of €0.04 per shareEligible shareholders must have bought the stock before 17 April 2024. Payment date: 19 April 2024. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 4.3%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.5%).Buy Or Sell Opportunity • Mar 08Now 20% undervaluedThe stock has been flat over the last 90 days, currently trading at €0.96. The fair value is estimated to be €1.20, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 29% over the last 3 years. Earnings per share has declined by 5.4%. For the next 3 years, revenue is forecast to grow by 7.0% per annum. Earnings are also forecast to grow by 11% per annum over the same time period.Reported Earnings • Feb 08Full year 2023 earnings releasedFull year 2023 results: Revenue: €1.63b (up 18% from FY 2022). Net income: €267.0m (up 5.6% from FY 2022). Profit margin: 16% (down from 18% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 3.5% p.a. on average during the next 3 years, compared to a 2.1% growth forecast for the Banks industry in Europe.お知らせ • Jan 23Unicaja Banco, S.A. to Report Q4, 2023 Results on Feb 06, 2024Unicaja Banco, S.A. announced that they will report Q4, 2023 results on Feb 06, 2024Reported Earnings • Nov 02Third quarter 2023 earnings releasedThird quarter 2023 results: EPS: €0.052. Revenue: €467.0m (up 23% from 3Q 2022). Net income: €137.0m (up 44% from 3Q 2022). Profit margin: 29% (up from 25% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 7.3% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 21% per year, which means it is well ahead of earnings.お知らせ • Oct 10+ 1 more updateUnicaja Banco, S.A. to Report Q3, 2023 Results on Oct 30, 2023Unicaja Banco, S.A. announced that they will report Q3, 2023 results Pre-Market on Oct 30, 2023Reported Earnings • Jul 29Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: €418.0m (up 5.1% from 2Q 2022). Net income: €114.0m (up 17% from 2Q 2022). Profit margin: 27% (up from 25% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 8.5% p.a. on average during the next 3 years, compared to a 4.0% growth forecast for the Banks industry in Europe.お知らせ • Jun 28Unicaja Banco, S.A. to Report Q2, 2023 Results on Jul 27, 2023Unicaja Banco, S.A. announced that they will report Q2, 2023 results at 9:00 AM, Romance Standard Time on Jul 27, 2023お知らせ • Jun 27Norges Bank Investment Management acquired an unknown minority stake in Unicaja Banco, S.A.Norges Bank Investment Management acquired an unknown minority stake in Unicaja Banco, S.A. on June 26, 2023.Norges Bank Investment Management completed the acquisition of an unknown minority stake in Unicaja Banco, S.A. on June 26, 2023.Upcoming Dividend • Apr 05Upcoming dividend of €0.039 per share at 4.9% yieldEligible shareholders must have bought the stock before 12 April 2023. Payment date: 14 April 2023. Trailing yield: 4.9%. Within top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.1%).お知らせ • Jan 14Unicaja Banco, S.A. to Report Fiscal Year 2022 Results on Jan 31, 2023Unicaja Banco, S.A. announced that they will report fiscal year 2022 results Pre-Market on Jan 31, 2023お知らせ • Nov 04Santa Lucía, S.A., Compañía de Seguros y Reaseguros completed the acquisition of Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI).Santa Lucía, S.A., Compañía de Seguros y Reaseguros agreed to acquire Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) for €318 million on May 24, 2022. Santa Lucía, S.A., Compañía de Seguros y Reaseguros completed the acquisition of Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) on November 2, 2022.お知らせ • Oct 12Unicaja Banco, S.A. to Report Q3, 2022 Results on Oct 27, 2022Unicaja Banco, S.A. announced that they will report Q3, 2022 results at 9:00 AM, Romance Standard Time on Oct 27, 2022Reported Earnings • Aug 07Second quarter 2022 earnings released: EPS: €0.037 (vs €0.013 in 2Q 2021)Second quarter 2022 results: EPS: €0.037 (up from €0.013 in 2Q 2021). Revenue: €397.7m (up 106% from 2Q 2021). Net income: €97.8m (up 385% from 2Q 2021). Profit margin: 25% (up from 10% in 2Q 2021). Over the next year, revenue is forecast to grow 28%, compared to a 15% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 72% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.お知らせ • Jul 13Unicaja Banco, S.A. to Report Q2, 2022 Results on Jul 27, 2022Unicaja Banco, S.A. announced that they will report Q2, 2022 results Pre-Market on Jul 27, 2022お知らせ • Jun 03SANTA LUCÍA ASSET MANAGEMENT, SGIIC, S.A. acquired 50% stake in Liberbank Vida y Pensiones, Seguros y Reaseguros, S.A. from Unicaja Banco, S.A. (BME:UNI) for €360 million.SANTA LUCÍA ASSET MANAGEMENT, SGIIC, S.A. acquired 50% stake in Liberbank Vida y Pensiones, Seguros y Reaseguros, S.A. from Unicaja Banco, S.A. (BME:UNI) for €360 million on June 1, 2022. Uría Menéndez Abogados, S.L.P. acted as legal advisor to Unicaja Banco, S.A. (BME:UNI). SANTA LUCÍA ASSET MANAGEMENT, SGIIC, S.A. completed the acquisition of 50% stake in Liberbank Vida y Pensiones, Seguros y Reaseguros, S.A. from Unicaja Banco, S.A. (BME:UNI) on June 1, 2022.お知らせ • May 26Santa Lucía, S.A., Compañía de Seguros y Reaseguros agreed to acquire Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) for €318 million.Santa Lucía, S.A., Compañía de Seguros y Reaseguros agreed to acquire Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) for €318 million on May 24, 2022.お知らせ • Apr 12Unicaja Banco, S.A. to Report Q1, 2022 Results on Apr 27, 2022Unicaja Banco, S.A. announced that they will report Q1, 2022 results Pre-Market on Apr 27, 2022お知らせ • Mar 04Unicaja Banco, S.A., Annual General Meeting, Mar 30, 2022Unicaja Banco, S.A., Annual General Meeting, Mar 30, 2022, at 10:30 Central European Standard Time. Location: Avda. de Andalucía, 10-12, Malaga Spain Agenda: To consider approval of the Annual Accounts (balance sheet, profit and loss account, statement of recognized income and expense, statement of changes in equity, cash flow statement and notes) and Management Report of Unicaja Banco and its consolidated group, corresponding to the financial year ending on 31 December 2021; to consider approval of the Consolidated Non-financial Information Statement, corresponding to the financial year ending on 31 December 2021; to consider approval of the Board of Directors' management during the financial year ending on 31 December 2021; and to consider other matters.Reported Earnings • Feb 25Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: €0.54 (up from €0.045 in FY 2020). Revenue: €907.6m (up 36% from FY 2020). Net income: €1.11b (up €1.04b from FY 2020). Cost-to-income ratio: 61.8% (up from 58.6% in FY 2020). Non-performing loans: 2.38% (up from 2.27% in FY 2020). Revenue exceeded analyst estimates by 36%. Over the next year, revenue is forecast to grow 65%, compared to a 11% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has increased by 57% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.Valuation Update With 7 Day Price Move • Feb 09Investor sentiment improved over the past weekAfter last week's 16% share price gain to €1.06, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 11x in the Banks industry in Europe. Total returns to shareholders of 16% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €1.93 per share.Executive Departure • Aug 05CEO & Executive Director Ángel Rodríguez de Gracia has left the companyOn the 28th of July, Ángel Rodríguez de Gracia's tenure as CEO & Executive Director ended. We don't have any record of a personal shareholding under Ángel Rodríguez's name. Ángel Rodríguez is the only executive to leave the company over the last 12 months.Reported Earnings • Jul 29Second quarter 2021 earnings releasedThe company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: €193.6m (up 6.9% from 2Q 2020). Net income: €27.0m (up 236% from 2Q 2020). Profit margin: 14% (up from 4.4% in 2Q 2020). Over the last 3 years on average, earnings per share has fallen by 27% per year but the company’s share price has only fallen by 19% per year, which means it has not declined as severely as earnings.Is New 90 Day High Low • Mar 03New 90-day high: €0.76The company is up 15% from its price of €0.66 on 03 December 2020. The German market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €0.92 per share.Reported Earnings • Mar 03Full year 2020 earnings released: EPS €0.05 (vs €0.10 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: €714.2m (down 38% from FY 2019). Net income: €77.8m (down 53% from FY 2019). Profit margin: 11% (down from 14% in FY 2019). The decrease in margin was driven by lower revenue. Non-performing loans: 4.02% (up from 2.99% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 17% per year whereas the company’s share price has fallen by 19% per year.お知らせ • Feb 27Unicaja Banco, S.A., Annual General Meeting, Mar 31, 2021Unicaja Banco, S.A., Annual General Meeting, Mar 31, 2021.お知らせ • Dec 31Unicaja Banco, S.A. (BME:UNI) agreed to acquire Liberbank, S.A. (BME:LBK) for approximately €760 million.Unicaja Banco, S.A. (BME:UNI) agreed to acquire Liberbank, S.A. (BME:LBK) for approximately €760 million on December 29, 2020. The exchange ratio is set at 2.7705 Liberbank shares for each Unicaja Banco share. Under the terms of the deal, in which Unicaja Banco will fully absorb Liberbank. Upon completion, current Unicaja Banco Board Chairman Manuel Azuaga will be the future Chairman of the combined entity, while Liberbank Chief Executive Officer Manuel Menendez will serve as the new company’s Chief Executive Officer. The deal still has to be approved by shareholders in votes. The Boards of Unicaja Banco and Liberbank approved the terms of the transaction. The transaction is expected to close by mid- to late 2021.Is New 90 Day High Low • Dec 31New 90-day high: €0.73The company is up 17% from its price of €0.62 on 02 October 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 23% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €0.88 per share.Reported Earnings • Nov 08Third quarter 2020 earnings released: EPS €0.01The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: €167.0m (down 38% from 3Q 2019). Net income: €16.0m (down 63% from 3Q 2019). Profit margin: 9.6% (down from 16% in 3Q 2019). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has fallen by 24% per year, which means it is performing significantly worse than earnings.お知らせ • Oct 29Merger Talks Between Unicaja and Liberbank OngoingMerger negotiations between Liberbank, S.A. (BME:LBK) and Unicaja Banco, S.A. (BME:UNI) to create the country’s fifth biggest lender in terms of total assets are still ongoing, Unicaja’s Chairman Manuel Azuaga said in a statement on October 28, 2020. The chairman also said that due diligence was still being carried out and no agreement had been reached as of yet since the lenders hired advisers earlier this month.お知らせ • Oct 08Liberbank and Unicaja Reportedly in Merger TalksGermany’s Deutsche Bank and Italian investment bank Mediobanca are set to advise Spanish lenders Liberbank, S.A. (BME:LBK) and Unicaja Banco, S.A. (BME:UNI) respectively on a potential merger deal, a source with direct knowledge of the matter said on October 07, 2020. Despite calling off merger talks last year, Unicaja and Liberbank said earlier this week they were now in preliminary conversations to create Spain’s fifth-biggest lender with over EUR 100 Billion ($ 117.38 Billion) total assets. Mediobanca, Deutsche Bank and Liberbank declined to comment, while Unicaja said its board was yet to make a decision on a contract.Is New 90 Day High Low • Oct 05New 90-day high: €0.72The company is up 45% from its price of €0.49 on 07 July 2020. The German market is flat over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is down 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €0.30 per share.お知らせ • Sep 30+ 1 more updateAn unknown buyer completed the acquisition of portfolios of doubtful loans and real estate assets of Unicaja Banco, S.A. (BME:UNI).An unknown buyer agreed to acquire portfolios of doubtful loans and real estate assets of Unicaja Banco, S.A. (BME:UNI) on July 26, 2019. The portfolios of doubtful loans are made up of 5,400 mortgage loans, with a gross cost of €389 million, while those of real estate assets are made up of 4,100 units, with a gross cost of €560 million. The closing of these operations will take place over the next few months, always before the end of the 2019 financial year. KPMG acted as financial advisor for Unicaja Banco. An unknown buyer completed the acquisition of portfolios of doubtful loans and real estate assets of Unicaja Banco, S.A. (BME:UNI) on July 27, 2019.お知らせ • Jul 30Tomás Olivo acquired 3.06% stake in Unicaja Banco, S.A. (BME:UNI).Tomás Olivo acquired 3.06% stake in Unicaja Banco, S.A. (BME:UNI) on May 18, 2020. Tomás Olivo completed the acquisition of 3.06% stake in Unicaja Banco, S.A. (BME:UNI) on May 18, 2020.株主還元7UBDE BanksDE 市場7D2.0%0.6%0.2%1Y54.1%37.6%3.6%株主還元を見る業界別リターン: 7UB過去 1 年間で37.6 % の収益を上げたGerman Banks業界を上回りました。リターン対市場: 7UB過去 1 年間で3.6 % の収益を上げたGerman市場を上回りました。価格変動Is 7UB's price volatile compared to industry and market?7UB volatility7UB Average Weekly Movement4.0%Banks Industry Average Movement3.3%Market Average Movement5.3%10% most volatile stocks in DE Market12.7%10% least volatile stocks in DE Market2.7%安定した株価: 7UB 、 German市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: 7UBの 週次ボラティリティ ( 4% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト19917,397Isidro Gilwww.unicajabanco.comウニカハ・バンコS A.はスペインでリテール・バンキング事業を営む。当座、貯蓄、ヤングパーソン、支払口座、定期預金、デビットカード、ビジネスカード、クレジットカード、住宅ローン、学資ローン、エコモビリティローン、モビリティローン、リフォームローン、住宅ローン、自動車保険、健康保険、傷害保険、葬儀保険、企業・農業保険、企業健康保険、中小企業・小売業損害保険、企業賠償責任保険、農業保険、生命保険などの商品を提供している。また、年金プラン、投資ファンド、手形・税金の支払い・回収管理サービス、決済、POS商品、短期・中長期の融資、ATM、外国貿易施設、通貨管理・両替サービス、プライベート・バンキングおよびパーソナル・バンキング・サービス、デジタル・バンキングおよびモバイル・バンキング・サービスも提供している。1991年に設立され、スペインのマラガに本社を置く。もっと見るUnicaja Banco, S.A. 基礎のまとめUnicaja Banco の収益と売上を時価総額と比較するとどうか。7UB 基礎統計学時価総額€9.30b収益（TTM）€649.49m売上高(TTM)€2.03b14.3xPER（株価収益率1.4xPBR（株価純資産倍率7UB は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計7UB 損益計算書（TTM）収益€2.03b売上原価€0売上総利益€2.03bその他の費用€1.38b収益€649.49m直近の収益報告Jun 30, 2026次回決算日該当なし一株当たり利益（EPS）0.25グロス・マージン100.00%純利益率32.07%有利子負債／自己資本比率122.5%7UB の長期的なパフォーマンスは？過去の実績と比較を見る配当金4.8%現在の配当利回り76%配当性向7UB 配当は確実ですか？7UB 配当履歴とベンチマークを見る7UB 、いつまでに購入すれば配当金を受け取れますか？Unicaja Banco 配当日配当落ち日Sep 22 2026配当支払日Sep 24 2026配当落ちまでの日数37 days配当支払日までの日数39 days7UB 配当は確実ですか？7UB 配当履歴とベンチマークを見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/08/15 17:02終値2026/08/14 00:00収益2026/06/30年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Unicaja Banco, S.A. 14 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。25 アナリスト機関Javier Esteban LarioBanco de Sabadell. S.A.Jesús Gómez DominguezBanco SantanderCecilia Romero ReyesBarclays22 その他のアナリストを表示
Declared Dividend • Aug 03First half dividend of €0.068 announcedShareholders will receive a dividend of €0.068. Ex-date: 22nd September 2026 Payment date: 24th September 2026 Dividend yield will be 4.7%, which is about the same as the industry average. Sustainability & Growth Dividend is covered by earnings (71% payout ratio) and is expected to be covered in 3 years' time (84% forecast payout ratio). The dividend has increased by an average of 31% per year over the past 8 years. However, payments have been volatile during that time. EPS is expected to grow by 15% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Aug 02Second quarter 2026 earnings releasedSecond quarter 2026 results: Revenue: €542.0m (up 5.7% from 2Q 2025). Net income: €201.0m (up 16% from 2Q 2025). Profit margin: 37% (up from 34% in 2Q 2025). Revenue is forecast to grow 4.9% p.a. on average during the next 3 years, compared to a 6.8% growth forecast for the Banks industry in Europe.
お知らせ • Jun 14Unicaja Banco, S.A. to Report Q2, 2026 Results on Jul 31, 2026Unicaja Banco, S.A. announced that they will report Q2, 2026 results on Jul 31, 2026
お知らせ • Feb 27Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2026Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2026. Location: avda. de andalucia, 10-12., malaga Spain
お知らせ • Jul 29Mora Banc Grup, SA completed the acquisition of Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI).Mora Banc Grup, SA agreed to acquire Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI) for approximately €45 million on July 30, 2024. The closing of the transaction is subject to the non-opposition of the European Central Bank and the authorization of the Andorran Financial Authority Fernando Mínguez, Marco Antonio Sanz, Soraya Sáenz de Santamaría , Elizabeth Malagelada and Juan Bonilla of Cuatrecasas, Gonçalves Pereira, S.L.P. acted as legal advisor for Mora Banc Grup, SA. Mora Banc Grup, SA completed the acquisition of Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI) on July 30, 2024.
お知らせ • Jul 08DXC Technology Company (NYSE:DXC) agreed to acquire Factoria De Transformacion De Operaciones Y Servicios Sl. from Unicaja Banco, S.A. (BME:UNI).DXC Technology Company (NYSE:DXC) agreed to acquire Factoria De Transformacion De Operaciones Y Servicios Sl. from Unicaja Banco, S.A. (BME:UNI) on July 7, 2025.
Declared Dividend • Aug 03First half dividend of €0.068 announcedShareholders will receive a dividend of €0.068. Ex-date: 22nd September 2026 Payment date: 24th September 2026 Dividend yield will be 4.7%, which is about the same as the industry average. Sustainability & Growth Dividend is covered by earnings (71% payout ratio) and is expected to be covered in 3 years' time (84% forecast payout ratio). The dividend has increased by an average of 31% per year over the past 8 years. However, payments have been volatile during that time. EPS is expected to grow by 15% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Aug 02Second quarter 2026 earnings releasedSecond quarter 2026 results: Revenue: €542.0m (up 5.7% from 2Q 2025). Net income: €201.0m (up 16% from 2Q 2025). Profit margin: 37% (up from 34% in 2Q 2025). Revenue is forecast to grow 4.9% p.a. on average during the next 3 years, compared to a 6.8% growth forecast for the Banks industry in Europe.
お知らせ • Jun 14Unicaja Banco, S.A. to Report Q2, 2026 Results on Jul 31, 2026Unicaja Banco, S.A. announced that they will report Q2, 2026 results on Jul 31, 2026
お知らせ • Feb 27Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2026Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2026. Location: avda. de andalucia, 10-12., malaga Spain
お知らせ • Jul 29Mora Banc Grup, SA completed the acquisition of Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI).Mora Banc Grup, SA agreed to acquire Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI) for approximately €45 million on July 30, 2024. The closing of the transaction is subject to the non-opposition of the European Central Bank and the authorization of the Andorran Financial Authority Fernando Mínguez, Marco Antonio Sanz, Soraya Sáenz de Santamaría , Elizabeth Malagelada and Juan Bonilla of Cuatrecasas, Gonçalves Pereira, S.L.P. acted as legal advisor for Mora Banc Grup, SA. Mora Banc Grup, SA completed the acquisition of Banco Europeo de Finanzas, S.A. from Unicaja Banco, S.A. (BME:UNI) on July 30, 2024.
お知らせ • Jul 08DXC Technology Company (NYSE:DXC) agreed to acquire Factoria De Transformacion De Operaciones Y Servicios Sl. from Unicaja Banco, S.A. (BME:UNI).DXC Technology Company (NYSE:DXC) agreed to acquire Factoria De Transformacion De Operaciones Y Servicios Sl. from Unicaja Banco, S.A. (BME:UNI) on July 7, 2025.
お知らせ • May 13+ 1 more updateSabadell Said to Have Approached Unicaja Investors over DealBanco de Sabadell, S.A. (BME:SAB) has held informal talks about a combination with Spanish lender Unicaja Banco, S.A. (BME:UNI) as it seeks to head off a hostile takeover by larger rival BBVA SA, according to people familiar with the matter. Sabadell executives sounded out some of the key shareholders of Unicaja earlier this month about a potential deal, one of the people said. The informal proposal is still under consideration and may not lead to any formal merger talks, the people said, asking not to be named discussing private information.
お知らせ • Feb 28Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2025Unicaja Banco, S.A., Annual General Meeting, Apr 09, 2025. Location: avda de andalucia 10-12, malaga Spain
お知らせ • Jan 14Unicaja Banco, S.A. to Report Q4, 2024 Results on Feb 04, 2025Unicaja Banco, S.A. announced that they will report Q4, 2024 results at 9:30 AM, Central European Standard Time on Feb 04, 2025
Valuation Update With 7 Day Price Move • Nov 06Investor sentiment improves as stock rises 15%After last week's 15% share price gain to €1.23, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 56% over the past three years.
Reported Earnings • Nov 01Third quarter 2024 earnings releasedThird quarter 2024 results: EPS: €0.06. Revenue: €486.0m (up 4.1% from 3Q 2023). Net income: €157.0m (up 15% from 3Q 2023). Profit margin: 32% (up from 29% in 3Q 2023). Revenue is forecast to grow 2.4% p.a. on average during the next 3 years, compared to a 3.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 60% per year but the company’s share price has increased by 9% per year, which means it is well ahead of earnings.
New Risk • Oct 15New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.3% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.3% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
お知らせ • Oct 07Unicaja Banco, S.A. to Report Q3, 2024 Results on Oct 30, 2024Unicaja Banco, S.A. announced that they will report Q3, 2024 results Pre-Market on Oct 30, 2024
Reported Earnings • Aug 01Second quarter 2024 earnings releasedSecond quarter 2024 results: Revenue: €516.0m (up 31% from 2Q 2023). Net income: €184.0m (up 71% from 2Q 2023). Profit margin: 36% (up from 27% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.4% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Europe.
お知らせ • Jul 06Unicaja Banco, S.A. to Report Q2, 2024 Results on Jul 30, 2024Unicaja Banco, S.A. announced that they will report Q2, 2024 results Pre-Market on Jul 30, 2024
Buy Or Sell Opportunity • Apr 17Now 20% undervaluedOver the last 90 days, the stock has risen 27% to €1.11. The fair value is estimated to be €1.39, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 29% over the last 3 years. Earnings per share has declined by 5.4%. For the next 3 years, revenue is forecast to grow by 6.4% per annum. Earnings are also forecast to grow by 10% per annum over the same time period.
お知らせ • Apr 12Unicaja Banco, S.A. to Report Q1, 2024 Results on Apr 29, 2024Unicaja Banco, S.A. announced that they will report Q1, 2024 results Pre-Market on Apr 29, 2024
Upcoming Dividend • Apr 10Upcoming dividend of €0.04 per shareEligible shareholders must have bought the stock before 17 April 2024. Payment date: 19 April 2024. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 4.3%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.5%).
Buy Or Sell Opportunity • Mar 08Now 20% undervaluedThe stock has been flat over the last 90 days, currently trading at €0.96. The fair value is estimated to be €1.20, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 29% over the last 3 years. Earnings per share has declined by 5.4%. For the next 3 years, revenue is forecast to grow by 7.0% per annum. Earnings are also forecast to grow by 11% per annum over the same time period.
Reported Earnings • Feb 08Full year 2023 earnings releasedFull year 2023 results: Revenue: €1.63b (up 18% from FY 2022). Net income: €267.0m (up 5.6% from FY 2022). Profit margin: 16% (down from 18% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 3.5% p.a. on average during the next 3 years, compared to a 2.1% growth forecast for the Banks industry in Europe.
お知らせ • Jan 23Unicaja Banco, S.A. to Report Q4, 2023 Results on Feb 06, 2024Unicaja Banco, S.A. announced that they will report Q4, 2023 results on Feb 06, 2024
Reported Earnings • Nov 02Third quarter 2023 earnings releasedThird quarter 2023 results: EPS: €0.052. Revenue: €467.0m (up 23% from 3Q 2022). Net income: €137.0m (up 44% from 3Q 2022). Profit margin: 29% (up from 25% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 7.3% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 21% per year, which means it is well ahead of earnings.
お知らせ • Oct 10+ 1 more updateUnicaja Banco, S.A. to Report Q3, 2023 Results on Oct 30, 2023Unicaja Banco, S.A. announced that they will report Q3, 2023 results Pre-Market on Oct 30, 2023
Reported Earnings • Jul 29Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: €418.0m (up 5.1% from 2Q 2022). Net income: €114.0m (up 17% from 2Q 2022). Profit margin: 27% (up from 25% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 8.5% p.a. on average during the next 3 years, compared to a 4.0% growth forecast for the Banks industry in Europe.
お知らせ • Jun 28Unicaja Banco, S.A. to Report Q2, 2023 Results on Jul 27, 2023Unicaja Banco, S.A. announced that they will report Q2, 2023 results at 9:00 AM, Romance Standard Time on Jul 27, 2023
お知らせ • Jun 27Norges Bank Investment Management acquired an unknown minority stake in Unicaja Banco, S.A.Norges Bank Investment Management acquired an unknown minority stake in Unicaja Banco, S.A. on June 26, 2023.Norges Bank Investment Management completed the acquisition of an unknown minority stake in Unicaja Banco, S.A. on June 26, 2023.
Upcoming Dividend • Apr 05Upcoming dividend of €0.039 per share at 4.9% yieldEligible shareholders must have bought the stock before 12 April 2023. Payment date: 14 April 2023. Trailing yield: 4.9%. Within top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.1%).
お知らせ • Jan 14Unicaja Banco, S.A. to Report Fiscal Year 2022 Results on Jan 31, 2023Unicaja Banco, S.A. announced that they will report fiscal year 2022 results Pre-Market on Jan 31, 2023
お知らせ • Nov 04Santa Lucía, S.A., Compañía de Seguros y Reaseguros completed the acquisition of Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI).Santa Lucía, S.A., Compañía de Seguros y Reaseguros agreed to acquire Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) for €318 million on May 24, 2022. Santa Lucía, S.A., Compañía de Seguros y Reaseguros completed the acquisition of Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) on November 2, 2022.
お知らせ • Oct 12Unicaja Banco, S.A. to Report Q3, 2022 Results on Oct 27, 2022Unicaja Banco, S.A. announced that they will report Q3, 2022 results at 9:00 AM, Romance Standard Time on Oct 27, 2022
Reported Earnings • Aug 07Second quarter 2022 earnings released: EPS: €0.037 (vs €0.013 in 2Q 2021)Second quarter 2022 results: EPS: €0.037 (up from €0.013 in 2Q 2021). Revenue: €397.7m (up 106% from 2Q 2021). Net income: €97.8m (up 385% from 2Q 2021). Profit margin: 25% (up from 10% in 2Q 2021). Over the next year, revenue is forecast to grow 28%, compared to a 15% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 72% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.
お知らせ • Jul 13Unicaja Banco, S.A. to Report Q2, 2022 Results on Jul 27, 2022Unicaja Banco, S.A. announced that they will report Q2, 2022 results Pre-Market on Jul 27, 2022
お知らせ • Jun 03SANTA LUCÍA ASSET MANAGEMENT, SGIIC, S.A. acquired 50% stake in Liberbank Vida y Pensiones, Seguros y Reaseguros, S.A. from Unicaja Banco, S.A. (BME:UNI) for €360 million.SANTA LUCÍA ASSET MANAGEMENT, SGIIC, S.A. acquired 50% stake in Liberbank Vida y Pensiones, Seguros y Reaseguros, S.A. from Unicaja Banco, S.A. (BME:UNI) for €360 million on June 1, 2022. Uría Menéndez Abogados, S.L.P. acted as legal advisor to Unicaja Banco, S.A. (BME:UNI). SANTA LUCÍA ASSET MANAGEMENT, SGIIC, S.A. completed the acquisition of 50% stake in Liberbank Vida y Pensiones, Seguros y Reaseguros, S.A. from Unicaja Banco, S.A. (BME:UNI) on June 1, 2022.
お知らせ • May 26Santa Lucía, S.A., Compañía de Seguros y Reaseguros agreed to acquire Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) for €318 million.Santa Lucía, S.A., Compañía de Seguros y Reaseguros agreed to acquire Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) for €318 million on May 24, 2022.
お知らせ • Apr 12Unicaja Banco, S.A. to Report Q1, 2022 Results on Apr 27, 2022Unicaja Banco, S.A. announced that they will report Q1, 2022 results Pre-Market on Apr 27, 2022
お知らせ • Mar 04Unicaja Banco, S.A., Annual General Meeting, Mar 30, 2022Unicaja Banco, S.A., Annual General Meeting, Mar 30, 2022, at 10:30 Central European Standard Time. Location: Avda. de Andalucía, 10-12, Malaga Spain Agenda: To consider approval of the Annual Accounts (balance sheet, profit and loss account, statement of recognized income and expense, statement of changes in equity, cash flow statement and notes) and Management Report of Unicaja Banco and its consolidated group, corresponding to the financial year ending on 31 December 2021; to consider approval of the Consolidated Non-financial Information Statement, corresponding to the financial year ending on 31 December 2021; to consider approval of the Board of Directors' management during the financial year ending on 31 December 2021; and to consider other matters.
Reported Earnings • Feb 25Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: €0.54 (up from €0.045 in FY 2020). Revenue: €907.6m (up 36% from FY 2020). Net income: €1.11b (up €1.04b from FY 2020). Cost-to-income ratio: 61.8% (up from 58.6% in FY 2020). Non-performing loans: 2.38% (up from 2.27% in FY 2020). Revenue exceeded analyst estimates by 36%. Over the next year, revenue is forecast to grow 65%, compared to a 11% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has increased by 57% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
Valuation Update With 7 Day Price Move • Feb 09Investor sentiment improved over the past weekAfter last week's 16% share price gain to €1.06, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 11x in the Banks industry in Europe. Total returns to shareholders of 16% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €1.93 per share.
Executive Departure • Aug 05CEO & Executive Director Ángel Rodríguez de Gracia has left the companyOn the 28th of July, Ángel Rodríguez de Gracia's tenure as CEO & Executive Director ended. We don't have any record of a personal shareholding under Ángel Rodríguez's name. Ángel Rodríguez is the only executive to leave the company over the last 12 months.
Reported Earnings • Jul 29Second quarter 2021 earnings releasedThe company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: €193.6m (up 6.9% from 2Q 2020). Net income: €27.0m (up 236% from 2Q 2020). Profit margin: 14% (up from 4.4% in 2Q 2020). Over the last 3 years on average, earnings per share has fallen by 27% per year but the company’s share price has only fallen by 19% per year, which means it has not declined as severely as earnings.
Is New 90 Day High Low • Mar 03New 90-day high: €0.76The company is up 15% from its price of €0.66 on 03 December 2020. The German market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €0.92 per share.
Reported Earnings • Mar 03Full year 2020 earnings released: EPS €0.05 (vs €0.10 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: €714.2m (down 38% from FY 2019). Net income: €77.8m (down 53% from FY 2019). Profit margin: 11% (down from 14% in FY 2019). The decrease in margin was driven by lower revenue. Non-performing loans: 4.02% (up from 2.99% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 17% per year whereas the company’s share price has fallen by 19% per year.
お知らせ • Feb 27Unicaja Banco, S.A., Annual General Meeting, Mar 31, 2021Unicaja Banco, S.A., Annual General Meeting, Mar 31, 2021.
お知らせ • Dec 31Unicaja Banco, S.A. (BME:UNI) agreed to acquire Liberbank, S.A. (BME:LBK) for approximately €760 million.Unicaja Banco, S.A. (BME:UNI) agreed to acquire Liberbank, S.A. (BME:LBK) for approximately €760 million on December 29, 2020. The exchange ratio is set at 2.7705 Liberbank shares for each Unicaja Banco share. Under the terms of the deal, in which Unicaja Banco will fully absorb Liberbank. Upon completion, current Unicaja Banco Board Chairman Manuel Azuaga will be the future Chairman of the combined entity, while Liberbank Chief Executive Officer Manuel Menendez will serve as the new company’s Chief Executive Officer. The deal still has to be approved by shareholders in votes. The Boards of Unicaja Banco and Liberbank approved the terms of the transaction. The transaction is expected to close by mid- to late 2021.
Is New 90 Day High Low • Dec 31New 90-day high: €0.73The company is up 17% from its price of €0.62 on 02 October 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 23% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €0.88 per share.
Reported Earnings • Nov 08Third quarter 2020 earnings released: EPS €0.01The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: €167.0m (down 38% from 3Q 2019). Net income: €16.0m (down 63% from 3Q 2019). Profit margin: 9.6% (down from 16% in 3Q 2019). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has fallen by 24% per year, which means it is performing significantly worse than earnings.
お知らせ • Oct 29Merger Talks Between Unicaja and Liberbank OngoingMerger negotiations between Liberbank, S.A. (BME:LBK) and Unicaja Banco, S.A. (BME:UNI) to create the country’s fifth biggest lender in terms of total assets are still ongoing, Unicaja’s Chairman Manuel Azuaga said in a statement on October 28, 2020. The chairman also said that due diligence was still being carried out and no agreement had been reached as of yet since the lenders hired advisers earlier this month.
お知らせ • Oct 08Liberbank and Unicaja Reportedly in Merger TalksGermany’s Deutsche Bank and Italian investment bank Mediobanca are set to advise Spanish lenders Liberbank, S.A. (BME:LBK) and Unicaja Banco, S.A. (BME:UNI) respectively on a potential merger deal, a source with direct knowledge of the matter said on October 07, 2020. Despite calling off merger talks last year, Unicaja and Liberbank said earlier this week they were now in preliminary conversations to create Spain’s fifth-biggest lender with over EUR 100 Billion ($ 117.38 Billion) total assets. Mediobanca, Deutsche Bank and Liberbank declined to comment, while Unicaja said its board was yet to make a decision on a contract.
Is New 90 Day High Low • Oct 05New 90-day high: €0.72The company is up 45% from its price of €0.49 on 07 July 2020. The German market is flat over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is down 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €0.30 per share.
お知らせ • Sep 30+ 1 more updateAn unknown buyer completed the acquisition of portfolios of doubtful loans and real estate assets of Unicaja Banco, S.A. (BME:UNI).An unknown buyer agreed to acquire portfolios of doubtful loans and real estate assets of Unicaja Banco, S.A. (BME:UNI) on July 26, 2019. The portfolios of doubtful loans are made up of 5,400 mortgage loans, with a gross cost of €389 million, while those of real estate assets are made up of 4,100 units, with a gross cost of €560 million. The closing of these operations will take place over the next few months, always before the end of the 2019 financial year. KPMG acted as financial advisor for Unicaja Banco. An unknown buyer completed the acquisition of portfolios of doubtful loans and real estate assets of Unicaja Banco, S.A. (BME:UNI) on July 27, 2019.
お知らせ • Jul 30Tomás Olivo acquired 3.06% stake in Unicaja Banco, S.A. (BME:UNI).Tomás Olivo acquired 3.06% stake in Unicaja Banco, S.A. (BME:UNI) on May 18, 2020. Tomás Olivo completed the acquisition of 3.06% stake in Unicaja Banco, S.A. (BME:UNI) on May 18, 2020.
