Unicaja Banco, S.A.

BME:UNI Stock Report

Market Cap: €3.2b

Unicaja Banco Past Earnings Performance

Past criteria checks 5/6

Unicaja Banco has been growing earnings at an average annual rate of 10.3%, while the Banks industry saw earnings growing at 24.3% annually. Revenues have been growing at an average rate of 13% per year. Unicaja Banco's return on equity is 6.3%, and it has net margins of 26.5%.

Key information

10.3%

Earnings growth rate

4.9%

EPS growth rate

Banks Industry Growth20.4%
Revenue growth rate13.0%
Return on equity6.3%
Net Margin26.5%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Is Now The Time To Put Unicaja Banco (BME:UNI) On Your Watchlist?

Sep 12
Is Now The Time To Put Unicaja Banco (BME:UNI) On Your Watchlist?

A Look At Unicaja Banco's (BME:UNI) Share Price Returns

Feb 08
A Look At Unicaja Banco's (BME:UNI) Share Price Returns

How Much Of Unicaja Banco, S.A. (BME:UNI) Do Insiders Own?

Dec 14
How Much Of Unicaja Banco, S.A. (BME:UNI) Do Insiders Own?

Revenue & Expenses Breakdown

How Unicaja Banco makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BME:UNI Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,6104267690
30 Jun 241,6154067530
31 Mar 241,4923377430
31 Dec 231,4002607310
30 Sep 231,5432667220
30 Jun 231,4012497280
31 Mar 231,3912277280
31 Dec 221,4082717340
30 Sep 221,362-298230
30 Jun 221,2471,2077350
31 Mar 221,0351,1236860
31 Dec 219081,1066060
30 Sep 217661,3895380
30 Jun 21669804830
31 Mar 21659684850
31 Dec 20670714950
30 Sep 20967835070
30 Jun 201,0511105210
31 Mar 201,1221485330
31 Dec 191,1521655350
30 Sep 191,0211705740
30 Jun 199971495250
31 Mar 191,0011585830
31 Dec 181,0081465530
30 Sep 189041485890
30 Jun 189081625940
31 Mar 189321485980
31 Dec 179261426010
30 Sep 17986765570
30 Jun 17965836330
31 Mar 171,0201065700
31 Dec 161,0471326200
30 Sep 161,0051486190
30 Jun 169541185800
31 Mar 16950915820
31 Dec 151,0981636040
30 Sep 151,0071006400
30 Jun 151,162736410
31 Mar 151,1781446690
31 Dec 149724545990
30 Sep 149155555410
30 Jun 147675684530
31 Mar 145444963920
31 Dec 13526543840

Quality Earnings: UNI has high quality earnings.

Growing Profit Margin: UNI's current net profit margins (26.5%) are higher than last year (17.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UNI's earnings have grown by 10.3% per year over the past 5 years.

Accelerating Growth: UNI's earnings growth over the past year (60.2%) exceeds its 5-year average (10.3% per year).

Earnings vs Industry: UNI earnings growth over the past year (60.2%) exceeded the Banks industry 24.1%.

Return on Equity

High ROE: UNI's Return on Equity (6.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 10:42
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Unicaja Banco, S.A. is covered by 30 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Carlos PeixotoBanco BPI, S.A.
null nullBanco de Sabadell. S.A.
Javier Esteban LarioBanco de Sabadell. S.A.