Unicaja Banco, S.A. provides various banking products and services to individuals, companies, and freelancers in Spain and internationally.
Good value with adequate balance sheet.
Share Price & News
How has Unicaja Banco's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: UNI's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: UNI exceeded the Spanish Banks industry which returned -48% over the past year.
Return vs Market: UNI underperformed the Spanish Market which returned -20.4% over the past year.
Price Volatility Vs. Market
How volatile is Unicaja Banco's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StIs Unicaja Banco, S.A.'s (BME:UNI) 8.3% Dividend Worth Your Time?
1 month ago | Simply Wall StWhat Kind Of Shareholder Owns Most Unicaja Banco, S.A. (BME:UNI) Stock?
1 month ago | Simply Wall StWhat Is Unicaja Banco's (BME:UNI) P/E Ratio After Its Share Price Tanked?
Is Unicaja Banco undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: UNI (€0.5) is trading above our estimate of fair value (€0.31)
Significantly Below Fair Value: UNI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: UNI is good value based on its PE Ratio (5.4x) compared to the Banks industry average (7.1x).
PE vs Market: UNI is good value based on its PE Ratio (5.4x) compared to the Spanish market (15.3x).
Price to Earnings Growth Ratio
PEG Ratio: UNI is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: UNI is good value based on its PB Ratio (0.2x) compared to the ES Banks industry average (0.3x).
How is Unicaja Banco forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UNI's forecast earnings growth (12.6% per year) is above the savings rate (1.3%).
Earnings vs Market: UNI's earnings (12.6% per year) are forecast to grow slower than the Spanish market (18% per year).
High Growth Earnings: UNI's earnings are forecast to grow, but not significantly.
Revenue vs Market: UNI's revenue is expected to decline over the next 3 years (-2.5% per year).
High Growth Revenue: UNI's revenue is forecast to decline over the next 3 years (-2.5% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: UNI's Return on Equity is forecast to be low in 3 years time (3.1%).
How has Unicaja Banco performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UNI has high quality earnings.
Growing Profit Margin: UNI's current net profit margins (12.9%) are lower than last year (15.7%).
Past Earnings Growth Analysis
Earnings Trend: UNI's earnings have grown by 8.6% per year over the past 5 years.
Accelerating Growth: UNI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UNI had negative earnings growth (-5.8%) over the past year, making it difficult to compare to the Banks industry average (-21.2%).
Return on Equity
High ROE: UNI's Return on Equity (3.8%) is considered low.
How is Unicaja Banco's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: UNI's Assets to Equity ratio (13.7x) is moderate.
Allowance for Bad Loans: UNI has a low allowance for bad loans (48%).
Low Risk Liabilities: 92% of UNI's liabilities are made up of primarily low risk sources of funding.
Loan Level: UNI has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: UNI's Loans to Deposits ratio (60%) is appropriate.
Level of Bad Loans: UNI has a high level of bad loans (4.6%).
What is Unicaja Banco's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UNI's dividend (7.61%) is higher than the bottom 25% of dividend payers in the Spanish market (2.65%).
High Dividend: UNI's dividend (7.61%) is low compared to the top 25% of dividend payers in the Spanish market (7.63%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, UNI has been paying a dividend for less than 10 years.
Growing Dividend: UNI's dividend payments have increased, but the company has only paid a dividend for 2 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (40.7%), UNI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: UNI's dividends in 3 years are forecast to be covered by earnings (53% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Ángel Rodríguez de Gracia (63yo)
Mr. Angel Rodríguez de Gracia serves as Chief Executive Officer at Unicaja Banco, SA. He served as General Manager of Unicaja Banco, S.A. Mr. Rodríguez de Gracia served as General Director of Strategic Dev ...
|Executive Chairman of the Board||3.92yrs||€57.00k||0.014% €107.9k|
|CEO & Executive Director||no data||€19.00k||0.014% €107.9k|
|Secretary of the Board & Director||2.08yrs||€87.00k||no data|
|Chairman Emeritus||3.92yrs||no data||no data|
|Independent Director||3.08yrs||€97.00k||no data|
|Director||no data||€78.00k||no data|
|Independent Director||2.08yrs||€81.00k||no data|
|Second Vice President of the Board||no data||€86.00k||no data|
|First Vice President of the Board||no data||€99.00k||no data|
|Independent Director||2.08yrs||€85.00k||no data|
Experienced Board: UNI's board of directors are not considered experienced ( 2.1 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Unicaja Banco, S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Unicaja Banco, S.A.
- Ticker: UNI
- Exchange: BME
- Founded: 1991
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €794.229m
- Shares outstanding: 1.59b
- Website: https://www.unicajabanco.es
Number of Employees
- Unicaja Banco, S.A.
- Avenida de Andalucía, 10 and 12
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|UNJC.F||OTCPK (Pink Sheets LLC)||Yes||Ordinary Shares||US||USD||Sep 2014|
|UNI||BME (Bolsas y Mercados Espanoles)||Yes||Ordinary Shares||ES||EUR||Sep 2014|
|7UB||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Sep 2014|
|UNIE||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Shares||GB||EUR||Sep 2014|
|0RR7||LSE (London Stock Exchange)||Yes||Ordinary Shares||GB||EUR||Sep 2014|
Unicaja Banco, S.A. provides various banking products and services to individuals, companies, and freelancers in Spain and internationally. It offers savings, young, treasure notepad, teen, and basic payment accounts; loyalty, young, master, motor, and home loans; mortgages; deposit products, broker services, savings insurance, pension plans, and investment funds; and life, home, car, accident, agricultural, and health insurance, as well as SME and commerce damage, and civil liability insurance products. The company also provides short term and long term financing, treasury, and foreign trade services; credit and debit cards; payments and payroll services; and electronic and mobile banking services. Unicaja Banco, S.A. was founded in 1991 and is based in Malaga, Spain.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/05/29 00:20|
|End of Day Share Price||2020/05/28 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.