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Unicaja Banco, S.A. Stock Price

BME:UNI Community·€8.4b Market Cap
  • 3 Narratives written by author
  • 0 Comments on narratives written by author
  • 8 Fair Values set on narratives written by author

UNI Share Price Performance

€3.27
1.22 (59.67%)
€3.29
Fair Value
€3.27
1.22 (59.67%)
0.7% undervalued intrinsic discount
€3.29
Fair Value
Price €3.27
AnalystHighTarget €3.29
AnalystConsensusTarget €2.83
AnalystLowTarget €2.30

UNI Community Narratives

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Fair Value €3.29 0.7% undervalued intrinsic discount

Digitalization And Economic Convergence In Southern Europe Will Expand Opportunities

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·
Fair Value €2.83 15.7% overvalued intrinsic discount

Overvalued Assumptions Will Crumble As Margins Decline

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·
Fair Value €2.3 42.2% overvalued intrinsic discount

Digital Banking Shifts And Spain Demographics Will Erode Profit Margins

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€2.83
15.7% overvalued intrinsic discount
Revenue
5.2% p.a.
Profit Margin
30.91%
Future PE
12.99x
Price in 2029
€3.61
€3.29
0.7% undervalued intrinsic discount
Revenue
6.87% p.a.
Profit Margin
31.29%
Future PE
14.27x
Price in 2029
€4.21
€2.3
42.2% overvalued intrinsic discount
Revenue
3.36% p.a.
Profit Margin
28.49%
Future PE
12.11x
Price in 2029
€2.94

Trending Discussion

Updated Narratives

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UNI: Future Returns Will Rely On Tight Execution Against Mid 2s Expectations

Fair Value: €2.83 15.7% overvalued intrinsic discount
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UNI: Raised 2026 Earnings Guidance And Price Objectives Will Shape Future Share Price

Fair Value: €3.29 0.7% undervalued intrinsic discount
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UNI: Cautious Outlook Will Persist Despite Higher Earnings Guidance For 2026

Fair Value: €2.3 42.2% overvalued intrinsic discount
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Snowflake Analysis

Excellent balance sheet with proven track record and pays a dividend.

1 Risk
3 Rewards

Unicaja Banco, S.A. Key Details

€2.0b

Revenue

€0

Cost of Revenue

€2.0b

Gross Profit

€1.4b

Other Expenses

€628.5m

Earnings

Last Reported Earnings
Mar 31, 2026
Next Reporting Earnings
Jul 31, 2026
0.24
100.00%
31.70%
69.4%
View Full Analysis

About UNI

Founded
1991
Employees
7274
CEO
Isidro Gil
WebsiteView website
www.unicajabanco.com

Unicaja Banco, S.A. engages in the retail banking business in Spain. The company offers current, savings, young person, and payment accounts; term deposits; debit, business, and credit cards; mortgages; study, eco-mobility, mobility vehicle, reform, and home loans; and home, car, health, accident, funeral, company and agro uni, company health, SME and retail damage, corporate liability, agricultural, and life insurance products. It also provides pension plans; investment funds; bill and tax payment, and collection management services; payments; POS products; short-term and medium/long-term financing; ATM, foreign trade facility, and currency management and exchange services; and private and personal banking services, as well as digital and mobile banking services. The company was founded in 1991 and is headquartered in Málaga, Spain.

Recent UNI News & Updates

Narrative Update Jul 01

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.
Analysis Article Jun 20

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...
Narrative Update Jun 17

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.

Recent updates

No updates