Unicaja Banco (UNI) Aandelenoverzicht
Unicaja Banco, S.A. houdt zich bezig met retailbanking in Spanje. Meer informatie
| Sneeuwvlok Score | |
|---|---|
| Waardering | 2/6 |
| Toekomstige groei | 1/6 |
| Prestaties in het verleden | 4/6 |
| Financiële gezondheid | 5/6 |
| Dividenden | 3/6 |
UNI Community Fair Values
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Analyst Price Targets
Unicaja Banco, S.A. Concurrenten
Prijsgeschiedenis en prestaties
| Historische aandelenkoersen | |
|---|---|
| Huidige aandelenkoers | €3.56 |
| 52 Week Hoogtepunt | €3.64 |
| 52 Week Laag | €2.22 |
| Bèta | 0.38 |
| 1 maand verandering | 6.58% |
| 3 maanden verandering | 26.83% |
| 1 Jaar Verandering | 45.71% |
| 3 jaar verandering | 250.44% |
| 5 jaar verandering | 361.96% |
| Verandering sinds IPO | 204.62% |
Recent nieuws en updates
UNI: Future Returns Will Depend On Premium Re Rating Risk Being Tested
Unicaja Banco's analyst fair value estimate has moved from €2.94 to €3.06, as analysts factor in Street research that includes higher price targets around €3.25 from Citi and Deutsche Bank, alongside more cautious views from BofA and Barclays. Analyst Commentary Recent Street research on Unicaja Banco points to a split view, with some bullish analysts lifting price targets while more cautious voices flag valuation and execution risks.UNI: Future Returns Will Depend On Premium Re Rating Holding Up
Unicaja Banco's analyst price target has moved higher by about €0.12, with analysts pointing to slightly stronger revenue growth assumptions and profit margins, along with a modestly higher future P/E, even as recent rating changes flag the current premium to peers and reduced scope for further outperformance. Analyst Commentary Recent research on Unicaja Banco gives a mixed picture.
UNI: Premium Rating And Execution Risks Will Likely Cap Further Upside
Analysts have nudged their fair value estimate for Unicaja Banco up from €2.30 to €2.50. The change reflects slightly higher revenue growth assumptions and updated peer comparisons after several firms adjusted their price targets and ratings on the stock.UNI: Future Returns Will Rely On Tight Execution Against Mid 2s Expectations
The analyst price target for Unicaja Banco has been raised from €2.61 to €2.83. Analysts point to updated assumptions around discount rates, revenue growth, profit margins and future P/E as the basis for the change, supported by recent incremental price target increases from several research houses.Unicaja Banco (BME:UNI) Stock Could Be 21% Overvalued After Green Note Buyback Plan
Unicaja Banco (BME:UNI) has launched a cash offer to repurchase its €500 million green senior non-preferred notes due 2027, and is planning a new euro-denominated green note to refinance the operation. See our latest analysis for Unicaja Banco. Unicaja Banco’s recent green note repurchase comes as the stock trades at €3.154, with a 30-day share price return of 13.78% and a 1-year total shareholder return of 76.36%, suggesting momentum has been building over both shorter and longer periods. If...Recent updates
UNI: Future Returns Will Depend On Premium Re Rating Risk Being Tested
Unicaja Banco's analyst fair value estimate has moved from €2.94 to €3.06, as analysts factor in Street research that includes higher price targets around €3.25 from Citi and Deutsche Bank, alongside more cautious views from BofA and Barclays. Analyst Commentary Recent Street research on Unicaja Banco points to a split view, with some bullish analysts lifting price targets while more cautious voices flag valuation and execution risks.UNI: Future Returns Will Depend On Premium Re Rating Holding Up
Unicaja Banco's analyst price target has moved higher by about €0.12, with analysts pointing to slightly stronger revenue growth assumptions and profit margins, along with a modestly higher future P/E, even as recent rating changes flag the current premium to peers and reduced scope for further outperformance. Analyst Commentary Recent research on Unicaja Banco gives a mixed picture.UNI: Premium Rating And Execution Risks Will Likely Cap Further Upside
Analysts have nudged their fair value estimate for Unicaja Banco up from €2.30 to €2.50. The change reflects slightly higher revenue growth assumptions and updated peer comparisons after several firms adjusted their price targets and ratings on the stock.UNI: Future Returns Will Rely On Tight Execution Against Mid 2s Expectations
The analyst price target for Unicaja Banco has been raised from €2.61 to €2.83. Analysts point to updated assumptions around discount rates, revenue growth, profit margins and future P/E as the basis for the change, supported by recent incremental price target increases from several research houses.Unicaja Banco (BME:UNI) Stock Could Be 21% Overvalued After Green Note Buyback Plan
Unicaja Banco (BME:UNI) has launched a cash offer to repurchase its €500 million green senior non-preferred notes due 2027, and is planning a new euro-denominated green note to refinance the operation. See our latest analysis for Unicaja Banco. Unicaja Banco’s recent green note repurchase comes as the stock trades at €3.154, with a 30-day share price return of 13.78% and a 1-year total shareholder return of 76.36%, suggesting momentum has been building over both shorter and longer periods. If...
UNI: Raised 2026 Earnings Guidance And Price Objectives Will Shape Future Share Price
Unicaja Banco's analyst price target has been nudged higher to €2.90 from €2.75, as analysts adjust their models to reflect slightly different fair value estimates and updated assumptions on discount rates, revenue, profit margins and future P/E multiples. Analyst Commentary Recent research on Unicaja Banco points to a cautiously constructive stance, with several bullish analysts lifting their valuation work and nudging price targets higher.UNI: Reaffirmed 2026 Earnings Guidance Will Support Higher Fair Value
Analysts have lifted the fair value estimate for Unicaja Banco from €3.09 to €3.29, reflecting updated assumptions on growth, profitability and P/E multiples that align with recent price target increases from several research houses. Analyst Commentary Recent Street research shows a cluster of higher price targets for Unicaja Banco, which lines up with the updated fair value estimate.UNI: Cautious Outlook Will Persist Despite Higher Earnings Guidance For 2026
Narrative Update The analyst price target for Unicaja Banco has been raised to €2.30 from €1.60. Analysts cite updated assumptions for fair value, discount rate, revenue growth, profit margins, and future P/E, following a series of recent target increases and rating changes from major firms.UNI: Future Returns Will Depend On Executing Against Tighter Mid €2 Expectations
Analysts have lifted their price target for Unicaja Banco to about €2.61 from €2.44, reflecting updated assumptions on fair value, discount rate, revenue growth, profit margin and future P/E, in line with recent target moves from Citi, Morgan Stanley and Deutsche Bank. Analyst Commentary Recent target moves cluster in a relatively tight band around €2.20 to €2.60.UNI: Reassessed Earnings Power Will Support Higher Fair Value Per Share
Analysts have lifted their price target on Unicaja Banco, reflecting updated fair value estimates of €3.09 per share, supported by recent target increases from €2 to €2.20 and from €2.25 to €2.55, alongside revised assumptions for revenue growth, profit margins and future P/E multiples. Analyst Commentary Recent research updates point to a more constructive stance on Unicaja Banco, with bullish analysts lifting their fair value estimates into a €2.20 to €2.55 range.UNI: Future Returns Will Hinge On Execution As Re-Rating Appears Unlikely
The analyst price target for Unicaja Banco has been modestly raised to approximately EUR 2.44 from EUR 2.39, as analysts factor in slightly higher expected profitability and future earnings multiples despite generally cautious ratings. Analyst Commentary Recent research updates reflect a mixed but incrementally constructive stance on Unicaja Banco, with modest target price upgrades offset by cautious rating profiles.UNI: Future Performance Will Depend On Execution As Upside Appears Limited
Analysts have modestly raised their price target on Unicaja Banco, reflecting incremental upward revisions from EUR 2 to EUR 2.20 and from EUR 2.25 to EUR 2.55, as they acknowledge improving earnings that are, however, viewed as largely priced in. Analyst Commentary Recent Street research reflects a cautiously balanced stance on Unicaja Banco, with modest target price increases paired with restrained ratings and an emphasis on limited re-rating potential at current levels.UNI: Future Performance Will Hinge On Execution Amid Balanced Earnings Outlook
Analysts have increased their fair value estimate for Unicaja Banco to €2.39 from €2.10. They cite stronger revenue growth, improved profit margins, and a modest decrease in the discount rate as key drivers for the upward adjustment in the price target.
Strong Mutual Fund Growth And Stable Deposit Costs Will Boost Net Interest Margins
Strong mutual fund growth boosts asset management revenue, alongside stable deposit costs improving potential net interest margins for Unicaja Banco.Rendement voor aandeelhouders
| UNI | ES Banks | ES Markt | |
|---|---|---|---|
| 7D | -1.5% | -1.2% | -0.6% |
| 1Y | 45.7% | 46.8% | 26.7% |
Rendement versus industrie: UNI kwam overeen met de Spanish Banks industrie, die het afgelopen jaar een rendement opleverde van 46.8 %.
Rendement versus markt: UNI overtrof de Spanish markt, die het afgelopen jaar een rendement opleverde van 26.7 %.
Prijsvolatiliteit
| UNI volatility | |
|---|---|
| UNI Average Weekly Movement | 3.2% |
| Banks Industry Average Movement | 3.6% |
| Market Average Movement | 3.0% |
| 10% most volatile stocks in ES Market | 6.3% |
| 10% least volatile stocks in ES Market | 0.6% |
Stabiele aandelenkoers: UNI heeft de afgelopen 3 maanden geen significante prijsvolatiliteit gekend vergeleken met de Spanish markt.
Volatiliteit in de loop van de tijd: De wekelijkse volatiliteit ( 3% ) van UNI is het afgelopen jaar stabiel geweest.
Over het bedrijf
| Opgericht | Werknemers | CEO | Website |
|---|---|---|---|
| 1991 | 7,397 | Isidro Gil | www.unicajabanco.com |
Unicaja Banco, S.A. houdt zich bezig met retailbanking in Spanje. Het bedrijf biedt betaal-, spaar-, jongeren- en betaalrekeningen; termijndeposito's; debet-, zakelijke en creditcards; hypotheken; studie-, eco-mobiliteits-, mobiliteitsvoertuigen-, reform- en woonleningen; en producten op het gebied van woning-, auto-, gezondheids-, ongevallen-, begrafenis-, bedrijfs- en agro-uni-, bedrijfsgezondheids-, mkb- en retailschade-, bedrijfsaansprakelijkheids-, landbouw- en levensverzekeringen. Het bedrijf biedt ook pensioenplannen, beleggingsfondsen, diensten voor het betalen van rekeningen en belastingen en incassobeheer, betalingen, POS-producten, financiering op korte en middellange/lange termijn, geldautomaten, buitenlandse handelsfaciliteiten, valutabeheer en wisseldiensten, particuliere en persoonlijke bankdiensten en digitale en mobiele bankdiensten.
Unicaja Banco, S.A. Samenvatting
| UNI fundamentele statistieken | |
|---|---|
| Marktkapitalisatie | €9.09b |
| Inkomsten(TTM) | €649.49m |
| Inkomsten(TTM) | €2.03b |
Is UNI overgewaardeerd?
Zie Reële waarde en waarderingsanalyseInkomsten en omzet
| UNI resultatenrekening (TTM) | |
|---|---|
| Inkomsten | €2.03b |
| Kosten van inkomsten | €0 |
| Brutowinst | €2.03b |
| Overige uitgaven | €1.38b |
| Inkomsten | €649.49m |
Laatst gerapporteerde inkomsten
Jun 30, 2026
Volgende inkomensdatum
n.v.t.
| Winst per aandeel (EPS) | 0.25 |
| Brutomarge | 100.00% |
| Nettowinstmarge | 32.07% |
| Schuld/Eigen Vermogen Verhouding | 122.5% |
Hoe presteerde UNI op de lange termijn?
Bekijk historische prestaties en vergelijkingDividenden
Betaalt UNI een betrouwbaar dividend?
Zie UNI dividendgeschiedenis en benchmarks| Unicaja Banco dividenddata | |
|---|---|
| Ex Dividend Datum | Sep 22 2026 |
| Betaaldatum dividend | Sep 24 2026 |
| Dagen tot Ex-dividend | 31 days |
| Dagen tot dividendbetaaldatum | 33 days |
Betaalt UNI een betrouwbaar dividend?
Zie UNI dividendgeschiedenis en benchmarksBedrijfsanalyse en status van financiële gegevens
| Gegevens | Laatst bijgewerkt (UTC-tijd) |
|---|---|
| Bedrijfsanalyse | 2026/08/21 10:44 |
| Aandelenkoers aan het einde van de dag | 2026/08/21 00:00 |
| Inkomsten | 2026/06/30 |
| Jaarlijkse inkomsten | 2025/12/31 |
Gegevensbronnen
De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.
| Pakket | Gegevens | Tijdframe | Voorbeeld Amerikaanse bron * |
|---|---|---|---|
| Financiële gegevens bedrijf | 10 jaar |
| |
| Consensus schattingen analisten | +3 jaar |
|
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| Marktprijzen | 30 jaar |
| |
| Eigendom | 10 jaar |
| |
| Beheer | 10 jaar |
| |
| Belangrijkste ontwikkelingen | 10 jaar |
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* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.
Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.
Analysemodel en Snowflake
Details van het analysamodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina, we hebben ook handleidingen over hoe u onze rapporten kunt gebruiken en tutorials op YouTube.
Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.
Industrie en sector
Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.
Bronnen van analisten
Unicaja Banco, S.A. wordt gevolgd door 25 analisten. 14 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.
| Analist | Instelling |
|---|---|
| Javier Esteban Lario | Banco de Sabadell. S.A. |
| Jesús Gómez Dominguez | Banco Santander |
| Cecilia Romero Reyes | Barclays |