UNI Share Price Performance
€2.48
1.26 (104.12%)
14.6% undervalued intrinsic discount
€2.90
Fair Value
Price €2.48
AnalystHighTarget €2.90
AnalystConsensusTarget €2.39
AnalystLowTarget €1.60
Fair Value€2.79
Share Pricen/a
Unicaja Banco, S.A. Stock Price
- 3 Narratives written by author
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- 8 Fair Values set on narratives written by author
UNI Community Narratives
AN
Fair Value €2.79 11.3% undervalued intrinsic discount
Digitalization And Economic Convergence In Southern Europe Will Expand Opportunities
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Fair Value €2.39 3.9% overvalued intrinsic discount
Overvalued Assumptions Will Crumble As Margins Decline
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Fair Value €1.6 54.9% overvalued intrinsic discount
Digital Banking Shifts And Spain Demographics Will Erode Profit Margins
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Overvalued Assumptions Will Crumble As Margins Decline
Key Takeaways Margin and revenue pressures may rise as net interest margins compress, cost reductions prove challenging, and optimism about sustained earnings momentum appears misplaced. Growth in fee-based income and digital transformation face limits amid rising costs, competition, and demographic headwinds, risking overestimated future revenue expansion.Read more
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AN
€2.39
3.9% overvalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue growth
3.41% p.a.
Profit Margin
28.05%
Future PE
13.01x
Share price in 2028
€3.12
Digitalization And Economic Convergence In Southern Europe Will Expand Opportunities
Key Takeaways Strategic focus on under-banked regions, digitalization, and tailored offerings is set to drive outsized growth in lending, deposits, and recurring fee revenue. Operational streamlining, improved asset quality, and scale from the Liberbank merger position Unicaja for structurally higher margins and sustained, rising dividends.Read more
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AN
€2.79
11.3% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue growth
3.21% p.a.
Profit Margin
27.95%
Future PE
14.59x
Share price in 2028
€3.68
Digital Banking Shifts And Spain Demographics Will Erode Profit Margins
Key Takeaways Digital disruption and aggressive competition threaten Unicaja's revenues and margins, exposing weaknesses in technological innovation and customer retention. Structural and demographic challenges in core regions constrain loan demand and deposit growth, hampering long-term profitability and earnings expansion.Read more
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AN
€1.6
54.9% overvalued intrinsic discount
AnalystLowTarget Fair Value
Revenue growth
-2.89% p.a.
Profit Margin
20.12%
Future PE
13.88x
Share price in 2028
€1.98
Recently Updated Narratives
AN
Overvalued Assumptions Will Crumble As Margins Decline
Fair Value: €2.39 3.9% overvalued intrinsic discount
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AN
Digital Banking Shifts And Spain Demographics Will Erode Profit Margins
Fair Value: €1.6 54.9% overvalued intrinsic discount
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AN
Digitalization And Economic Convergence In Southern Europe Will Expand Opportunities
Fair Value: €2.79 11.3% undervalued intrinsic discount
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Snowflake Analysis
Solid track record with adequate balance sheet and pays a dividend.
2 Risks
2 Rewards
Unicaja Banco, S.A. Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
n/a
- 0.24
- 100.00%
- 31.08%
- 76.0%
About UNI
- Founded
- 1991
- Employees
- 7564
- CEO
- WebsiteView website
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; private and personal banking services; and digital and mobile banking services. The company was founded in 1991 and is headquartered in Málaga, Spain.
