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UNI logo

Unicaja Banco, S.A. Stock Price

BME:UNI Community·€9.2b Market Cap
  • 3 Narratives written by author
  • 0 Comments on narratives written by author
  • 9 Fair Values set on narratives written by author
Author Program NEWCreate Narrative

UNI Share Price Performance

€3.56
1.20 (51.02%)
​
€3.06
Fair Value
€3.56
1.20 (51.02%)
16.3% overvalued intrinsic discount
€3.06
Fair Value
Price €3.56
AnalystConsensusTarget €3.06
AnalystLowTarget €2.50
AnalystHighTarget €3.29
Wed, 12 Aug 26
Fair Value€3.06
Share Pricen/a

UNI Community Narratives

AN
AnalystConsensusTarget
AnalystConsensusTarget's
Fair Value
·
Fair Value €3.06 16.3% overvalued intrinsic discount

Overvalued Assumptions Will Crumble As Margins Decline

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2users have followed this narrative
AN
AnalystLowTarget
AnalystLowTarget's
Fair Value
·
Fair Value €2.5 42.6% overvalued intrinsic discount

Digital Banking Shifts And Spain Demographics Will Erode Profit Margins

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0users have commented on this narrative
0users have followed this narrative
AN
AnalystHighTarget
AnalystHighTarget's
Fair Value
·
Fair Value €3.29 8.2% overvalued intrinsic discount

Digitalization And Economic Convergence In Southern Europe Will Expand Opportunities

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UNI logo
Unicaja Banco

Overvalued Assumptions Will Crumble As Margins Decline

Unicaja Banco is benefiting from a sweet spot in Spanish banking, but that tailwind may fade as lending becomes more competitive and the boost from interest rates eases. If costs stay sticky and growth in fee income cools, today’s optimism could prove too high—and the story looks very different.Read more

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AN
AnalystConsensusTarget
€3.06
16.3% overvalued intrinsic discount
AnalystConsensusTarget's
Fair Value
Revenue
5.88% p.a.
Profit Margin
31.7%
Future PE
13.16x
Price in 2029
€3.9
View
UNI logo
Unicaja Banco

Digital Banking Shifts And Spain Demographics Will Erode Profit Margins

Unicaja Banco faces a tougher future as more customers shift to app-first banking and newer rivals make it harder to keep fees and loyalty. Add an aging customer base in its home regions and you get a setup where profits could slowly get squeezed, even if recent progress looks encouraging.Read more

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AN
AnalystLowTarget
€2.5
42.6% overvalued intrinsic discount
AnalystLowTarget's
Fair Value
Revenue
3.65% p.a.
Profit Margin
28.48%
Future PE
13.01x
Price in 2029
€3.19
View
UNI logo
Unicaja Banco

Digitalization And Economic Convergence In Southern Europe Will Expand Opportunities

Unicaja Banco leans into rural and under-served parts of Spain, and that local focus could turn into a bigger growth story as more people borrow, save, and use investment products. The big question is whether it can modernize fast enough and avoid nasty surprises from a tougher economy and rising rule‑making costs.Read more

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AN
AnalystHighTarget
€3.29
8.2% overvalued intrinsic discount
AnalystHighTarget's
Fair Value
Revenue
6.87% p.a.
Profit Margin
31.29%
Future PE
14.27x
Price in 2029
€4.21
View

Trending Discussion

No trending discussion available.

Recently Updated Narratives

AN
AnalystConsensusTarget
UNI logo

UNI: Future Returns Will Depend On Premium Re Rating Risk Being Tested

Fair Value: €3.06 16.3% overvalued intrinsic discount
2 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
AnalystLowTarget
UNI logo

UNI: Premium Rating And Execution Risks Will Likely Cap Further Upside

Fair Value: €2.5 42.6% overvalued intrinsic discount
0 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
AnalystHighTarget
UNI logo

UNI: Raised 2026 Earnings Guidance And Price Objectives Will Shape Future Share Price

Fair Value: €3.29 8.2% overvalued intrinsic discount
0 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
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Snowflake Analysis

Excellent balance sheet with proven track record.

1 Risk
3 Rewards
View Full Analysis

Unicaja Banco, S.A. Key Details

€2.0b

Revenue

€0

Cost of Revenue

€2.0b

Gross Profit

€1.4b

Other Expenses

€649.5m

Earnings

Last Reported Earnings
Jun 30, 2026
Next Reporting Earnings
n/a
0.25
100.00%
32.07%
122.5%
View Full Analysis

About UNI

Founded
1991
Employees
7397
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

User avatar
Narrative Update • Aug 12

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.

Recent updates

No updates

Unicaja Banco, S.A. Competitors

SAB logo

Banco de Sabadell

Symbol: BME:SAB
Market cap: €17.6b
BKT logo

Bankinter

Symbol: BME:BKT
Market cap: €14.9b
View more competitors

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