| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 6/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
UNI Stock Overview
Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally.
Unicaja Banco Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €0.90 |
| 52 Week High | €0.99 |
| 52 Week Low | €0.56 |
| Beta | 1.47 |
| 1 Month Change | 7.50% |
| 3 Month Change | -0.77% |
| 1 Year Change | 58.42% |
| 3 Year Change | -13.59% |
| 5 Year Change | n/a |
| Change since IPO | -22.82% |
Recent News & Updates
A Look At Unicaja Banco's (BME:UNI) Share Price Returns
This week we saw the Unicaja Banco, S.A. ( BME:UNI ) share price climb by 11%. But that is small recompense for the...
Shareholder Returns
| UNI | ES Banks | ES Market | |
|---|---|---|---|
| 7D | -1.7% | -4.0% | -3.1% |
| 1Y | 58.4% | 29.1% | 4.1% |
Return vs Industry: UNI exceeded the Spanish Banks industry which returned 29.1% over the past year.
Return vs Market: UNI exceeded the Spanish Market which returned 4.1% over the past year.
Price Volatility
| UNI volatility | |
|---|---|
| UNI Average Weekly Movement | 4.3% |
| Banks Industry Average Movement | 4.3% |
| Market Average Movement | 3.8% |
| 10% most volatile stocks in ES Market | 6.7% |
| 10% least volatile stocks in ES Market | 0.7% |
Stable Share Price: UNI is not significantly more volatile than the rest of Spanish stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: UNI's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1991 | 9,677 | Manuel Menendez Menendez | https://www.unicajabanco.com/es |
Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; deposit products, stock exchange, pension plans, investment funds, and savings insurance policies; and life, home, car, accident, health, and agricultural insurance, as well as SME and retail damage, and corporate liability insurance products. The company also provides cash management, short term and long term financing, investment services; and remote and mobile banking services.
Unicaja Banco Fundamentals Summary
| UNI fundamental statistics | |
|---|---|
| Market Cap | €2.40b |
| Earnings (TTM) | €1.39b |
| Revenue (TTM) | €765.96m |
1.7x
P/E Ratio0.4x
P/B RatioIs UNI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UNI income statement (TTM) | |
|---|---|
| Revenue | €765.96m |
| Cost of Revenue | €0 |
| Gross Profit | €765.96m |
| Expenses | -€623.02m |
| Earnings | €1.39b |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
Feb 03, 2022
| Earnings per share (EPS) | 0.52 |
| Gross Margin | 100.00% |
| Net Profit Margin | 181.34% |
| Debt/Equity Ratio | 49.9% |
How did UNI perform over the long term?
See historical performance and comparisonDividends
0.4%
Current Dividend Yield1%
Payout RatioValuation
Is Unicaja Banco undervalued compared to its fair value and its price relative to the market?
41.7%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UNI (€0.9) is trading below our estimate of fair value (€1.55)
Significantly Below Fair Value: UNI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: UNI is good value based on its PE Ratio (1.7x) compared to the Spanish Banks industry average (9.6x).
PE vs Market: UNI is good value based on its PE Ratio (1.7x) compared to the Spanish market (20.4x).
Price to Earnings Growth Ratio
PEG Ratio: UNI's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: UNI is good value based on its PB Ratio (0.4x) compared to the ES Banks industry average (0.6x).
Future Growth
How is Unicaja Banco forecast to perform in the next 1 to 3 years based on estimates from 14 analysts?
-31.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UNI's earnings are forecast to decline over the next 3 years (-31.4% per year).
Earnings vs Market: UNI's earnings are forecast to decline over the next 3 years (-31.4% per year).
High Growth Earnings: UNI's earnings are forecast to decline over the next 3 years.
Revenue vs Market: UNI's revenue (12.2% per year) is forecast to grow faster than the Spanish market (5.6% per year).
High Growth Revenue: UNI's revenue (12.2% per year) is forecast to grow slower than 20% 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 (6.1%).
Past Performance
How has Unicaja Banco performed over the past 5 years?
32.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UNI has high quality earnings.
Growing Profit Margin: UNI's current net profit margins are higher than last year (8.6%).
Past Earnings Growth Analysis
Earnings Trend: UNI's earnings have grown significantly by 32.3% per year over the past 5 years.
Accelerating Growth: UNI's earnings growth over the past year (1564.8%) exceeds its 5-year average (32.3% per year).
Earnings vs Industry: UNI earnings growth over the past year (1564.8%) exceeded the Banks industry 414.8%.
Return on Equity
High ROE: UNI's Return on Equity (23.2%) is considered high.
Financial Health
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
Balance Sheet
Financial Institutions Analysis
Asset Level: UNI's Assets to Equity ratio (18.2x) is moderate.
Allowance for Bad Loans: UNI has a low allowance for bad loans (69%).
Low Risk Liabilities: 93% 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 (59%) is appropriate.
Level of Bad Loans: UNI has a high level of bad loans (3.3%).
Dividend
What is Unicaja Banco current dividend yield, its reliability and sustainability?
0.45%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UNI's dividend (0.45%) isn’t notable compared to the bottom 25% of dividend payers in the Spanish market (1.8%).
High Dividend: UNI's dividend (0.45%) is low compared to the top 25% of dividend payers in the Spanish market (5.42%).
Stability and Growth of Payments
Stable Dividend: UNI is not paying a notable dividend for the Spanish market, therefore no need to check if payments are stable.
Growing Dividend: UNI is not paying a notable dividend for the Spanish market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: UNI is not paying a notable dividend for the Spanish market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of UNI's dividend in 3 years as they are not forecast to pay a notable one for the Spanish market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.8yrs
Average board tenure
CEO
Manuel Menendez Menendez (62 yo)
0.83
Tenure
Mr. Manuel Menendez Menendez serves as Chief Executive Officer and Director of Unicaja Banco, S.A. since March 31, 2021. He serves as Chief Executive Officer of Liberbank, SA since May 2011 and also serves...
Board Members
Experienced Board: UNI's board of directors are considered experienced (3.8 years average tenure).
Ownership
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.
Ownership Breakdown
Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 68%.
Top Shareholders
Company Information
Unicaja Banco, S.A.'s employee growth, exchange listings and data sources
Key Information
- Name: Unicaja Banco, S.A.
- Ticker: UNI
- Exchange: BME
- Founded: 1991
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: €2.397b
- Shares outstanding: 2.65b
- Website: https://www.unicajabanco.com/es
Number of Employees
Location
- Unicaja Banco, S.A.
- Avenida de Andalucía, 10 y 12
- Málaga
- Andalusia
- 29007
- Spain
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/26 22:22 |
| End of Day Share Price | 2022/01/26 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
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.