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Unicaja Banco, S.A. Stock Price

BME:UNI Community·€8.9b 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

€3.45
1.17 (51.67%)
€2.94
Fair Value
€3.45
1.17 (51.67%)
17.2% overvalued intrinsic discount
€2.94
Fair Value
Price €3.45
AnalystConsensusTarget €2.94
AnalystLowTarget €2.50
AnalystHighTarget €3.29

UNI Community Narratives

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Fair Value €2.94 17.2% overvalued intrinsic discount

Overvalued Assumptions Will Crumble As Margins Decline

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·
Fair Value €2.5 37.8% overvalued intrinsic discount

Digital Banking Shifts And Spain Demographics Will Erode Profit Margins

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·
Fair Value €3.29 4.6% overvalued intrinsic discount

Digitalization And Economic Convergence In Southern Europe Will Expand Opportunities

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€2.94
17.2% overvalued intrinsic discount
Revenue
5.65% p.a.
Profit Margin
30.93%
Future PE
13.31x
Price in 2029
€3.75
€2.5
37.8% overvalued intrinsic discount
Revenue
3.65% p.a.
Profit Margin
28.48%
Future PE
13.01x
Price in 2029
€3.19
€3.29
4.6% overvalued intrinsic discount
Revenue
6.87% p.a.
Profit Margin
31.29%
Future PE
14.27x
Price in 2029
€4.21

Trending Discussion

No trending discussion available.

Updated Narratives

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UNI: Future Returns Will Depend On Premium Re Rating Holding Up

Fair Value: €2.94 17.2% overvalued intrinsic discount
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UNI: Premium Rating And Execution Risks Will Likely Cap Further Upside

Fair Value: €2.5 37.8% overvalued intrinsic discount
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UNI: Raised 2026 Earnings Guidance And Price Objectives Will Shape Future Share Price

Fair Value: €3.29 4.6% 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

€649.5m

Earnings

Last Reported Earnings
Jun 30, 2026
Next Reporting Earnings
n/a
0.25
100.00%
32.22%
81.7%
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

Narrative Update Jul 29

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.

Recent updates

No updates