Unicaja Banco
Unicaja Banco, S.A. provides various banking products and services to individuals, companies, and freelancers in Spain and internationally. The last earnings update was 85 days ago. More info.
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UNI Share Price and Events
7 Day Returns
1 Year Returns
UNI Shareholder Return
| 7 Day | 30 Day | 90 Day | 1 Year | 3 Year | 5 Year | |
|---|---|---|---|---|---|---|
| Unicaja Banco (UNI) | -6.1% | -9.1% | -7% | -42.3% | - | - |
| ES Banks | -0.8% | -9.7% | -3.6% | -25.3% | -12.7% | -46.5% |
| ES Market | 0.4% | -2.9% | 1.1% | -6.9% | 5% | -15.7% |
1 Year Return vs Industry and Market
- UNI underperformed the Banks industry which returned -25.3% over the past year.
- UNI underperformed the Market in Spain which returned -6.9% over the past year.
UNI Value
Is Unicaja Banco undervalued based on future cash flows and its price relative to the stock market?
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current
share
price of
Unicaja Banco
to its discounted cash flow analysis.value.The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Below are the data sources, inputs and calculation used to determine the intrinsic value for Unicaja Banco.
| Data Point | Source | Value |
|---|---|---|
| Valuation Model | Excess Returns Model | |
| Stable EPS |
Weighted future Return on Equity estimates from 10 analysts.
= Stable Book Value * Return on Equity = €2.56 * 5% |
€0.13 |
| Book Value of Equity per Share | Weighted future Book Value estimates from 7 analysts. | €2.56 |
| Discount Rate (Cost of Equity) | See below | 14.8% |
| Perpetual Growth Rate | 10-Year ES Government Bond Rate | 1.5% |
An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.
| Data Point | Calculation/ Source | Result |
|---|---|---|
| Risk-Free Rate | 10-Year ES Govt Bond Rate | 1.5% |
| Equity Risk Premium | S&P Global | 8.2% |
| Banks Unlevered Beta | Simply Wall St/ S&P Global | 0.59 |
| Re-levered Beta | = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.589 (1 + (1- 25%) (304.41%)) |
1.626 |
| Levered Beta | Levered Beta limited to 0.8 to 2.0 (practical range for a stable firm) |
1.63 |
| Discount Rate/ Cost of Equity |
= Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.53% + (1.626 * 8.18%) |
14.82% |
Discounted Cash Flow Calculation for BME:UNI using Excess Returns Model Model
The calculations below outline how an intrinsic value for Unicaja Banco is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
Note the calculations below are per share.
See our documentation to learn about this calculation.
| Calculation | Result | |
|---|---|---|
| Excess Returns |
= (Stable Return on equity – Cost of equity) (Book Value of
Equity per share)
= (5% – 14.82%) * €2.56) |
€-0.25 |
| Terminal Value of Excess Returns |
= Excess Returns / (Cost of Equity -
Expected Growth Rate)
= €-0.25 / (14.82% - 1.53%) |
€-1.89 |
| Value of Equity |
= Book Value per share + Terminal Value of
Excess Returns
= €2.56 + €-1.89 |
€0.67 |
| Calculation | Result | |
|---|---|---|
| Value per share (EUR) | From above. | €0.67 |
| Current discount | Discount to share price of
€0.91
= -1 x (€0.91 - €0.67) / €0.67 |
-35.5% |
Learn more about our DCF calculations in Simply Wall St’s analysis model .
- The current share price of Unicaja Banco is above its future cash flow value.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.The amount the stock market is willing to pay for Unicaja Banco's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are
Unicaja Banco's earnings available for a low price, and how does
this compare to other companies in the same industry?
| Data Point | Source | Value |
|---|---|---|
| Earnings Per Share * | Company Filings (2018-12-31) in EUR | €0.09 |
| BME:UNI Share Price ** | BME (2019-05-23) in EUR | €0.91 |
| Spain Banks Industry PE Ratio | Median Figure of 8 Publicly-Listed Banks Companies | 10.36x |
| Spain Market PE Ratio | Median Figure of 132 Publicly-Listed Companies | 17.83x |
* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.
** Primary Listing of Unicaja Banco.
| Calculation | Outcome | |
|---|---|---|
| PE Ratio | = BME:UNI Share Price ÷ EPS (both in EUR) = 0.91 ÷ 0.09 |
9.6x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Unicaja Banco is good value based on earnings compared to the ES Banks industry average.
- Unicaja Banco is good value based on earnings compared to the Spain market.
Price based on expected Growth
Does
Unicaja Banco's expected growth come at a high price?
| Data Point | Source | Value |
|---|---|---|
| PE Ratio | See PE Ratio Section | 9.6x |
| Net Income Annual Growth Rate | See Future Growth Section. Line of Best Fit* through Consensus Estimate Earnings of 10 Analysts |
12.7%per year |
| Spain Banks Industry PEG Ratio | Median Figure of 8 Publicly-Listed Banks Companies | 1.48x |
| Spain Market PEG Ratio | Median Figure of 77 Publicly-Listed Companies | 1.55x |
*Line of best fit is calculated by linear regression .
| Calculation | Outcome | |
|---|---|---|
| PEG Ratio | = PE Ratio ÷ Net Income Annual Growth Rate = 9.6x ÷ 12.7% |
0.76x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Unicaja Banco is good value based on expected growth next year.
Price based on value of assets
What value do investors place on
Unicaja Banco's
assets?
| Data Point | Source | Value |
|---|---|---|
| Book Value per Share | Company Filings (2018-12-31) in EUR | €2.44 |
| BME:UNI Share Price * | BME (2019-05-23) in EUR | €0.91 |
| Spain Banks Industry PB Ratio | Median Figure of 8 Publicly-Listed Banks Companies | 0.61x |
| Spain Market PB Ratio | Median Figure of 180 Publicly-Listed Companies | 1.66x |
| Calculation | Outcome | |
|---|---|---|
| PB Ratio | = BME:UNI Share Price ÷ Book Value per Share (both in EUR) = 0.91 ÷ 2.44 |
0.37x |
* Primary Listing of Unicaja Banco.
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Unicaja Banco is good value based on assets compared to the ES Banks industry average.
Value checks
We assess Unicaja Banco's value by looking at:- Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
- Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
- Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
- Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check) Unicaja Banco has a total score of 4/6, see the detailed checks below.
Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.
Full details on the Value part of the Simply Wall St company analysis model.
UNI Future Performance
The future performance of a company is measured in the same way as past
performance, by looking at estimated
growth
and how much profit it is expected to make.Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Earnings growth vs Low Risk Savings
- Unicaja Banco's earnings growth is expected to exceed the low risk savings rate of 1.5%.
Growth vs Market Checks
- Unicaja Banco's earnings growth is expected to exceed the Spain market average.
- Unicaja Banco's revenues are expected to decrease over the next 1-3 years, this is below the Spain market average.
Annual Growth Rates Comparison
| Data Point | Source | Value (per year) |
|---|---|---|
| BME:UNI Future Earnings Growth Rate | Line of Best Fit* through Consensus Estimate Earnings of 10 Analysts | 12.7% |
| BME:UNI Future Revenue Growth Rate | Line of Best Fit* through Consensus Estimate Revenue of 10 Analysts | -0.5% |
| Spain Banks Industry Earnings Growth Rate | Market Cap Weighted Average | 6.7% |
| Spain Banks Industry Revenue Growth Rate | Market Cap Weighted Average | 4% |
| Spain Market Earnings Growth Rate | Market Cap Weighted Average | 8.4% |
| Spain Market Revenue Growth Rate | Market Cap Weighted Average | 4.1% |
*Line of best fit is calculated by linear regression .
Industry and Market average data is calculated daily.
Learn more about our growth rate calculations in Simply Wall St’s analysis model.
Analysts growth expectations
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (4 months ago) | See Below |
| Future Estimates | Average of up to 10 Analyst Estimates (S&P Global) | See Below |
| Date (Data in EUR Millions) | Revenue | Cash Flow | Net Income * | Avg. No. Analysts |
|---|---|---|---|---|
| 2022-12-31 | 1,077 | 265 | 1 | |
| 2021-12-31 | 976 | 222 | 7 | |
| 2020-12-31 | 951 | 205 | 10 | |
| 2019-12-31 | 910 | 157 | 7 |
| Date (Data in EUR Millions) | Revenue | Cash Flow | Net Income * |
|---|---|---|---|
| 2018-12-31 | 1,008 | 465 | 153 |
| 2018-09-30 | 904 | 148 | |
| 2018-06-30 | 958 | 2,544 | 162 |
| 2018-03-31 | 932 | 148 | |
| 2017-12-31 | 926 | 1,119 | 142 |
| 2017-09-30 | 986 | 76 | |
| 2017-06-30 | 914 | -1,136 | 83 |
| 2017-03-31 | 1,020 | 2,178 | 106 |
| 2016-12-31 | 1,047 | 4,347 | 132 |
| 2016-09-30 | 1,005 | 148 | |
| 2016-06-30 | 954 | 352 | 118 |
| 2016-03-31 | 950 | 91 |
*GAAP earnings excluding extraordinary items.
Past and Future Earnings per Share
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (4 months ago) | See Below |
| Future Estimates | Average of up to 10 Analyst Estimates (S&P Global) | See Below |
All data from Unicaja Banco Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in EUR Millions) | EPS * | EPS High Estimate | EPS Low Estimate | Avg. No. Analysts |
|---|---|---|---|---|
| 2022-12-31 | 0.16 | 0.16 | 0.16 | 1.00 |
| 2021-12-31 | 0.14 | 0.15 | 0.13 | 5.00 |
| 2020-12-31 | 0.13 | 0.14 | 0.11 | 8.00 |
| 2019-12-31 | 0.10 | 0.10 | 0.09 | 2.00 |
| Date (Data in EUR Millions) | EPS * |
|---|---|
| 2018-12-31 | 0.09 |
| 2018-09-30 | |
| 2018-06-30 | 0.10 |
| 2018-03-31 | 0.09 |
| 2017-12-31 | 0.11 |
| 2017-09-30 | |
| 2017-06-30 | 0.09 |
| 2017-03-31 | 0.11 |
| 2016-12-31 | 0.14 |
| 2016-09-30 | |
| 2016-06-30 | 0.13 |
| 2016-03-31 | 0.10 |
*GAAP earnings excluding extraordinary items.
Future performance checks
We assess Unicaja Banco's future performance by looking at:- Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
- Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Spain market? (1 check)
- Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Spain market? (1 check)
- Is the annual earnings growth rate expected to be above 20%? (1 check)
- Is the annual revenue growth rate expected to be above 20%? (1 check)
- Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Unicaja Banco has a total score of 2/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
Full details on the Future part of the Simply Wall St company analysis model.
UNI Past Performance
How has Unicaja Banco performed over the past 5 years?
The past performance of a company can be measured by how much
growth
it has experienced and how much profit it makes relative to the funds and assets
it has available.
Past earnings growth
Past Earnings growth analysis
- Unicaja Banco's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
- Unicaja Banco's 1-year earnings growth exceeds its 5-year average (7.1% vs -26.8%)
- Unicaja Banco's earnings growth has not exceeded the ES Banks industry average in the past year (7.1% vs 7.1%).
Earnings and Revenue History
All data from Unicaja Banco Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in EUR Millions) | Revenue | Net Income * | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 2018-12-31 | 1,007.81 | 152.55 | 590.42 | |
| 2018-09-30 | 903.78 | 148.38 | 589.16 | |
| 2018-06-30 | 958.27 | 161.97 | 593.86 | |
| 2018-03-31 | 932.38 | 148.38 | 598.16 | |
| 2017-12-31 | 926.38 | 142.38 | 601.16 | |
| 2017-09-30 | 986.41 | 75.91 | 556.87 | |
| 2017-06-30 | 914.08 | 82.98 | 633.17 | |
| 2017-03-31 | 1,020.15 | 105.85 | 569.64 | |
| 2016-12-31 | 1,047.41 | 131.91 | 620.10 | |
| 2016-09-30 | 1,005.40 | 148.33 | 618.59 | |
| 2016-06-30 | 954.27 | 118.14 | 579.50 | |
| 2016-03-31 | 950.34 | 91.08 | 582.19 | |
| 2015-12-31 | 1,097.52 | 162.65 | 603.68 | |
| 2015-09-30 | 1,081.93 | 145.66 | 643.07 | |
| 2015-06-30 | 1,161.56 | 73.16 | 640.56 | |
| 2015-03-31 | 1,178.16 | 143.94 | 669.30 | |
| 2014-12-31 | 971.80 | 453.92 | 599.11 | |
| 2014-09-30 | 812.65 | 484.55 | 528.41 | |
| 2014-06-30 | 766.68 | 567.87 | 452.75 | |
| 2014-03-31 | 544.44 | 495.63 | 392.22 | |
| 2013-12-31 | 526.44 | 54.11 | 384.35 | |
| 2013-09-30 | -73.98 | -538.89 | 362.38 | |
| 2013-06-30 | -5.25 | -571.57 | 397.75 | |
| 2013-03-31 | -79.21 | -592.76 | 394.63 | |
| 2012-12-31 | -4.78 | -577.25 | 407.41 | |
| 2012-09-30 | 598.90 | 42.75 | 400.13 | |
| 2012-06-30 | 610.26 | 58.20 | 402.79 |
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
funds,
assets
and
capital.
- Unicaja Banco has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- Unicaja Banco used its assets less efficiently than the ES Banks industry average last year based on Return on Assets.
- Unable to establish if Unicaja Banco improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Past performance checks
We assess Unicaja Banco's performance over the past 5 years by checking for:- Has earnings increased in past 5 years? (1 check)
- Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
- Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
- Is the Return on Equity (ROE) higher than 20%? (1 check)
- Is the Return on Assets (ROA) above industry average? (1 check)
- Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
Unicaja Banco has a total score of 1/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Full details on the Past part of the Simply Wall St company analysis model.
UNI Health
This company is a bank or financial institution.Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Balance sheet
Assets
Liabilities and shares
Historical Debt
Nearly all companies have debt. Debt in itself isn’t
bad,
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
All data from Unicaja Banco Company Filings, last reported 4 months ago.
| Date (Data in EUR Millions) | Total Equity | Total Debt | Cash & Short Term Investments |
|---|---|---|---|
| 2018-12-31 | 3,917.66 | 4,444.68 | 3,582.37 |
| 2018-09-30 | 3,956.00 | 269.00 | 3,313.00 |
| 2018-06-30 | 3,956.52 | 7,987.91 | 2,984.98 |
| 2018-03-31 | 4,019.00 | 266.00 | 10,610.00 |
| 2017-12-31 | 3,902.34 | 3,499.44 | 3,283.76 |
| 2017-09-30 | 3,922.00 | 253.00 | 1,749.00 |
| 2017-06-30 | 3,789.80 | 3,056.43 | 1,957.68 |
| 2017-03-31 | 3,149.46 | 879.58 | 3,208.60 |
| 2016-12-31 | 3,183.12 | 8,115.23 | 3,558.78 |
| 2016-09-30 | |||
| 2016-06-30 | 3,259.73 | 6,897.92 | 3,328.40 |
| 2016-03-31 | 3,267.54 | 1,009.55 | 2,050.58 |
| 2015-12-31 | 3,255.95 | 5,818.34 | 2,381.65 |
| 2015-09-30 | 3,136.74 | 2,320.85 | 2,099.01 |
| 2015-06-30 | 3,070.64 | 10,094.61 | 4,559.36 |
| 2015-03-31 | 3,470.49 | 2,569.53 | 2,280.22 |
| 2014-12-31 | 3,292.28 | 6,994.43 | 5,275.87 |
| 2014-09-30 | 3,292.28 | 6,994.43 | 5,275.87 |
| 2014-06-30 | 3,342.57 | 7,994.97 | 5,070.50 |
| 2014-03-31 | 3,228.71 | 3,817.32 | 4,883.64 |
| 2013-12-31 | 2,047.72 | 9,841.34 | 10,572.53 |
| 2013-09-30 | 2,081.22 | 2,864.55 | 5,315.04 |
| 2013-06-30 | 2,000.06 | 9,601.54 | 6,874.16 |
| 2013-03-31 | 2,048.01 | 3,331.19 | 3,599.75 |
| 2012-12-31 | 2,031.10 | 9,156.09 | 6,968.32 |
| 2012-09-30 | 2,528.06 | 3,588.11 | 2,643.15 |
| 2012-06-30 | 2,521.84 | 3,541.54 | 2,220.65 |
BANK ANALYSIS
This company is a bank or financial institution, which is analysed accordingly below.
- Unicaja Banco has an acceptable proportion of non-loan assets held.
- Unicaja Banco's liabilities are made up of primarily low risk sources of funding.
- Loans at Unicaja Banco are broadly funded by customer deposits.
- Unicaja Banco's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
- Unicaja Banco has a low allowance for bad loans.
- Unicaja Banco has a high level of bad loans (greater than 2%).
Financial health checks
We assess Unicaja Banco's financial health by checking for:- Are short term assets greater than short term liabilities? (1 check)
- Are short term assets greater than long term liabilities? (1 check)
- Has the debt to equity ratio increased in the past 5 years? (1 check)
- Is the debt to equity ratio over 40%? (1 check)
- Is the debt covered by operating cash flow? (1 check)
- Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check) Unicaja Banco has a total score of 4/6, see the detailed checks below.
- Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
- Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Full details on the Health part of the Simply Wall St company analysis model.
UNI Dividends
What is Unicaja Banco's current dividend yield, its reliability and sustainability?
Dividends are regular cash payments to you from the company, similar to a
bank paying you interest on a savings account.
Annual Dividend Income
If you bought
€2,000 of
Unicaja Banco
shares you are expected to receive
€83
in your first year as a dividend.
Dividend Amount
- Unicaja Banco's pays a higher dividend yield than the bottom 25% of dividend payers in Spain (2.23%).
- Unicaja Banco's dividend is below the markets top 25% of dividend payers in Spain (5.19%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not
wildly increasing/decreasing each year. This graph shows you the historical rate
to count toward your assessment of the stock.We also check to see if the dividend has increased in the past 10 years.
| Data Point | Source | Value |
|---|---|---|
| Past Annualized Dividend Yield | S&P Global Market Data | See Below |
| Past Dividends per Share | Company Filings/ Annualized Dividend Payments | See Below |
| Future Dividends per Share Estimates | Average of up to 10 Analyst Estimates (S&P Global) | See Below |
| Spain Banks Industry Average Dividend Yield | Market Cap Weighted Average of 7 Stocks | 5% |
| Spain Market Average Dividend Yield | Market Cap Weighted Average of 76 Stocks | 4.4% |
| Spain Minimum Threshold Dividend Yield | 10th Percentile | 1.3% |
| Spain Bottom 25% Dividend Yield | 25th Percentile | 2.2% |
| Spain Top 25% Dividend Yield | 75th Percentile | 5.2% |
Industry and Market average data is calculated daily.
Note all dividend per share amounts are annualized and not quarterly or other period.
| Date (Data in €) | Dividend per Share (annual) | Avg. No. Analysts |
|---|---|---|
| 2022-12-31 | 0.06 | 1.00 |
| 2021-12-31 | 0.06 | 8.00 |
| 2020-12-31 | 0.05 | 11.00 |
| 2019-12-31 | 0.04 | 10.00 |
| Date (Data in €) | Dividend per share (annual) | Avg. Yield (%) |
|---|---|---|
| 2019-04-26 | 0.038 | 3.844 |
| 2018-03-21 | 0.020 | 1.637 |
| 2018-02-27 | 0.020 | 1.412 |
| 2017-10-31 | 0.000 | 0.000 |
| 2017-08-01 | 0.000 | 0.000 |
| 2017-07-31 | 0.000 | 0.000 |
| 2017-06-30 | 0.000 | 0.000 |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- It is too early to tell whether Unicaja Banco has stable dividend payments.
- Unicaja Banco only just started paying a dividend, it is too early to tell if payments are increasing.
Income/ dividend checks
We assess Unicaja Banco's dividend by checking for:- Firstly is the company paying a notable dividend (greater than 1.3%) - if not then the rest of the checks are ignored.
- Is current dividend yield above the bottom 25% of dividend payers? (1 check)
- Is current dividend yield above the top 25% of dividend payers? (1 check)
- Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
- If they have paid a dividend for 10 years has it increased in this time? (1 check)
- How sustainable is the dividend, can Unicaja Banco afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks) Unicaja Banco has a total score of 3/6, see the detailed checks below.
Full details on the Dividends part of the Simply Wall St company analysis model.
UNI Management
CEO
| COMPENSATION | €0 |
| AGE | 52 |
| TENURE AS CEO | 2.8 years |
CEO Bio
Mr. Enrique Sánchez Del Villar Boceta serves as Chief Executive Officer at Ahorro Corporación Financiera, S.V., S.A.U. (previously known as Ahorro Corporación Financiera, S.V., SA). He serves as Executive Director of Unicaja Banco, S.A. Mr. Boceta serves as General Director of Ahorro Corporación. He was Partner at Analistas Financieros Internacionales (AFI). He served as Executive Member at Escuela de Finanzas Aplicadas. Mr. Boceta holds a degree in Economic Sciences, from Universidad Autónoma de Madrid.
CEO Compensation
- Insufficient data for Enrique to compare compensation growth.
- Enrique's remuneration is lower than average for companies of similar size in Spain.
Management Team
Manuel Azuaga Moreno
Chairman of the Board
71
Enrique del Villar Boceta
CEO & Executive Director
52
2.8 yrs
María Lombardero Barceló
Deputy Director of Corporate Development
57
Teresa Ponte
Secretary of the Board & Director
Pablo Martín
Director General of Finance
48
José María de la Carnicero
Director General of Organization
Oscar García Oltra
Corporate Director of Technology & Transformation
41
Mariano Anaya Ordóñez
Director of Information
Jaime Marcos
Head of Investor Relations
Vicente Gisbert
Director of Legal Advice & Deputy Secretary
Board of Directors Tenure
Average tenure and age of the Unicaja Banco board of directors in years:
- The average tenure for the Unicaja Banco board of directors is less than 3 years, this suggests a new board.
Board of Directors
Manuel Azuaga Moreno
Chairman of the Board
71
2.9 yrs
Enrique del Villar Boceta
CEO & Executive Director
52
2.8 yrs
Juan Fraile Cantón
Second Vice President of the Board
69
Victorio Valle Sánchez
First Vice President of the Board
79
Braulio Cámara
Chairman Emeritus
71
2.9 yrs
Teresa Ponte
Secretary of the Board & Director
1.1 yrs
Isabel Castella
Director
71
2.1 yrs
Manuel Gutiérrez
Director
1.1 yrs
Petra Mateos-Aparicio Morales
Director
72
Agustín Molina Morales
Director
69
7.4 yrs
Who owns this company?
Recent Insider Transactions
| Announced | Type | Name | Entity | Role | Start | End | Shares | Max Price (€) | Value (€) | |
|---|---|---|---|---|---|---|---|---|---|---|
Management checks
We assess Unicaja Banco's management by checking for:- Is the CEO's compensation unreasonable compared to market cap? (1 check)
- Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
- Is the average tenure of the management team less than 2 years? (1 check)
- Is the average tenure of the board of directors team less than 3 years? (1 check) Unicaja Banco has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.
Note: We use the top 6 management executives and board members in our calculations.
Note 2: Insider trading include any internal stakeholders and these transactions .
Full details on the Management part of the Simply Wall St company analysis model.
UNI News
Simply Wall St News
Only 1 Days Left To Cash In On Unicaja Banco, S.A. (BME:UNI) Dividend
If you are interested in cashing in on Unicaja Banco, S.A.'s (BME:UNI) upcoming dividend of €0.031 per share, you only have 1 days left to buy the shares before its ex-dividend date, 08 May 2019, in time for dividends payable on the 10 May 2019. … When assessing a stock as a potential addition to my dividend Portfolio, I look at these five areas:? … Has it paid dividend every year without dramatically reducing payout in the past?
Simply Wall St - – Full articleUnderstated Factors To Consider Before Investing In Unicaja Banco, S.A. (BME:UNI)
Unicaja Banco, S.A.’s (BME:UNI) profitability and risk are largely affected by the underlying economic growth for the region it operates in ES given it is a small-cap stock with a market capitalisation of €1.5b. … Given that banks operate by reinvesting deposits in the form of loans, negative economic growth may lower the level of saving deposits and demand for loans, directly affecting those banks’ levels of cash flows. … Low levels of leverage coupled with sufficient liquidity may place Unicaja Banco in a safe position in the face of adverse headwinds.
Simply Wall St - – Full articleDoes Unicaja Banco, S.A. (BME:UNI) Have A Good P/E Ratio?
We'll look at Unicaja Banco, S.A.'s (BME:UNI) P/E ratio and reflect on what it tells us about the company's share price. … Based on the last twelve months, Unicaja Banco's P/E ratio is 10.22. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)
Simply Wall St - – Full articleShould Unicaja Banco, S.A. (BME:UNI) Be Part Of Your Portfolio?
A large part of investment returns can be generated by dividend-paying stock given their role in compounding returns over time. … Let's dig deeper into whether Unicaja Banco should have a place in your portfolio. … When assessing a stock as a potential addition to my dividend Portfolio, I look at these five areas:
Simply Wall St - – Full articleWhat Are Analysts Saying About Unicaja Banco, S.A.'s (BME:UNI) Growth?
The most recent earnings update Unicaja Banco, S.A.'s (BME:UNI) released in December 2018a
Simply Wall St - – Full articleUnicaja Banco, S.A. (BME:UNI): Can Growth Justify Its February Share Price?
Growth expectations for Unicaja Banco, S.A. … (BME:UNI) are high, but many investors are starting to ask whether its last close at €0.98 can still be rationalized by the future potential. … Analysts are predicting good growth prospects for Unicaja Banco over the next couple of years
Simply Wall St - – Full articleShould You Be Concerned About Unicaja Banco, S.A.’s (BME:UNI) Liquidity?
As a small-cap finance stock with a market capitalisation of €1.9b, the risk and profitability of Unicaja Banco, S.A. … These reforms target banking regulations and intends to enhance financial institutions’ ability to absorb shocks resulting from economic stress which could expose banks like Unicaja Banco to vulnerabilities. … Today we will be measuring Unicaja Banco’s financial risk position by looking at three leverage and liquidity metrics.
Simply Wall St - – Full articleIs Unicaja Banco SA (BME:UNI) Over-Exposed To Risk?
One of the biggest risk Unicaja Banco SA (BME:UNI) faces as a bank is bad loans, also known as credit risk. … As a small bank, Unicaja Banco’s profits are directly affected by macroeconomic events as the ability for borrowers to repay their debt depends on the stability of their salary and interest rate levels. … Today we will analyse Unicaja Banco’s level of bad debt and liabilities in order to understand the risk involved with investing in Unicaja Banco
Simply Wall St - – Full articleWhat Should We Expect From Unicaja Banco SA's (BME:UNI) Earnings In The Next 12 Months?
Looking at Unicaja Banco SA's (BME:UNI) earnings update in June 2018,. … with earnings expected to grow by 9.7% in the upcoming year … the higher past 5-year average growth rate of 12%
Simply Wall St - – Full articleDespite Its High P/E Ratio, Is Unicaja Banco SA (BME:UNI) Still Undervalued?
To keep it practical, we'll show how Unicaja Banco SA's (BME:UNI) P/E ratio could help you assess the value on offer. … Unicaja Banco has a P/E ratio of 11.13, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)
Simply Wall St - – Full articleUNI Company Info
Description
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.
Details
| Name: | Unicaja Banco, S.A. |
| UNI | |
| Exchange: | BME |
| Founded: | 1991 |
| €1,460,086,916 | |
| 1,602,729,875 | |
| Website: | http://www.unicajabanco.es |
| Address: |
Unicaja Banco, S.A. Avenida de Andalucía, 10 and 12, Malaga, Andalusia, 29007, Spain |
Listings
| Exchange Symbol | Ticker Symbol | Security | Exchange | Country | Currency | Listed on | |
|---|---|---|---|---|---|---|---|
| BME | UNI | Ordinary Shares | Bolsas y Mercados Espanoles | ES | EUR | 05. Sep 2014 | |
| DB | 7UB | Ordinary Shares | Deutsche Boerse AG | DE | EUR | 05. Sep 2014 | |
| LSE | 0RR7 | Ordinary Shares | London Stock Exchange | GB | EUR | 05. Sep 2014 |
Number of employees
Current staff
Industry
| Diversified Banks | |
| Banks |
Company Analysis and Financial Data Status
| Area | Date (UTC time) |
|---|---|
| Company Analysis updated: | 2019/05/23 22:28 |
| End of day share price update: | 2019/05/23 00:00 |
| Last estimates confirmation: | 2019/05/17 |
| Last earnings filing: | 2019/02/27 |
| Last earnings reported: | 2018/12/31 |
| Last annual earnings reported: | 2018/12/31 |
All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.
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.
