How does UNIE's PE Ratio compare to its peers?

UNIE is expensive based on its Price-To-Earnings Ratio (7.4x) compared to the peer average (4.5x).

How does UNIE's PE Ratio compare vs other companies in the European Banks Industry?

UNIE is expensive based on its Price-To-Earnings Ratio (7.4x) compared to the European Banks industry average (7.3x).

What is UNIE's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate UNIE's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of UNIE when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

UNIE (€1.23) is trading below our estimate of [[fair value]] (€2.14)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is less than 20% higher than the current share price.

Unicaja Banco (BATS-CHIXE:UNIE) - Stock Price, News & Analysis

UNIE Stock Overview

Engages in retail banking business in Spain. More details

UNIE fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 42.3% below our estimate of its fair value

Earnings grew by 60.2% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 3% per year for the next 3 years

Shares are highly illiquid

Unstable dividend track record

Unicaja Banco, S.A. Competitors

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.1b

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.3b

TCS Group Holding

LSE:TCS

US$5.1b

Price History & Performance

Summary of all time highs, changes and price drops for Unicaja Banco
Historical stock prices
Current Share Price	€1.23
52 Week High	€1.37
52 Week Low	€1.01
Beta	0.93
11 Month Change	14.52%
3 Month Change	n/a
1 Year Change	23.64%
33 Year Change	41.52%
5 Year Change	35.10%
Change since IPO	1.02%

Recent updates

Shareholder Returns

	UNIE	GB Banks	GB Market
7D	13.5%	2.3%	0.8%
1Y	23.6%	35.9%	6.6%

Return vs Industry: UNIE underperformed the UK Banks industry which returned 35.9% over the past year.

Return vs Market: UNIE exceeded the UK Market which returned 6.1% over the past year.

Price Volatility

Is UNIE's price volatile compared to industry and market?
UNIE volatility
UNIE Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.3%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: UNIE's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine UNIE's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1991	7,572	Isidro Gil	www.unicajabanco.com/es

Unicaja Banco, S.A. engages in retail banking business in Spain. It offers current and savings accounts; term deposits; mortgage loans; personal and secured loans; credit facilities; investment funds; and insurance products and pension funds. The company also offers commercial banking products and related financial services to retail customers and corporates.

Unicaja Banco, S.A. Fundamentals Summary

How do Unicaja Banco's earnings and revenue compare to its market cap?
UNIE fundamental statistics
Market cap	€3.13b
Earnings (TTM)	€425.85m
Revenue (TTM)	€1.61b

7.4x

P/E Ratio

0.5x

P/B Ratio

Is UNIE overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UNIE income statement (TTM)
Revenue	€1.61b
Cost of Revenue	€0
Gross Profit	€1.61b
Other Expenses	€1.18b
Earnings	€425.85m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.17
Gross Margin	100.00%
Net Profit Margin	26.46%
Debt/Equity Ratio	80.3%

How did UNIE perform over the long term?

See historical performance and comparison

Dividends

4.0%

Current Dividend Yield

33%

Payout Ratio

UNIE Stock Overview

Rewards

Risk Analysis

Unicaja Banco, S.A. Competitors

LSE:TBCG

UK£1.7b

LSE:BGEO

UK£2.1b

LSE:HSBK

US$5.3b

LSE:TCS

US$5.1b

Price History & Performance

Recent News & Updates

Unicaja Banco, S.A. to Report Q3, 2024 Results on Oct 30, 2024

Unicaja Banco, S.A. to Report Q2, 2024 Results on Jul 30, 2024

Unicaja Banco, S.A. to Report Q1, 2024 Results on Apr 29, 2024

Upcoming dividend of €0.04 per share

Unicaja Banco, S.A. to Report Q4, 2023 Results on Feb 06, 2024

Third quarter 2023 earnings released

Recent updates

Unicaja Banco, S.A. to Report Q3, 2024 Results on Oct 30, 2024

Unicaja Banco, S.A. to Report Q2, 2024 Results on Jul 30, 2024

Unicaja Banco, S.A. to Report Q1, 2024 Results on Apr 29, 2024

Upcoming dividend of €0.04 per share

Unicaja Banco, S.A. to Report Q4, 2023 Results on Feb 06, 2024

Third quarter 2023 earnings released

Unicaja Banco, S.A. to Report Q3, 2023 Results on Oct 30, 2023

Less than half of directors are independent

Less than half of directors are independent

Unicaja Banco, S.A. to Report Q2, 2023 Results on Jul 27, 2023

Norges Bank Investment Management acquired an unknown minority stake in Unicaja Banco, S.A.

Less than half of directors are independent

Upcoming dividend of €0.039 per share at 4.9% yield

Now 23% undervalued

Unicaja Banco, S.A. to Report Fiscal Year 2022 Results on Jan 31, 2023

Santa Lucía, S.A., Compañía de Seguros y Reaseguros completed the acquisition of Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI).

Unicaja Banco, S.A. to Report Q3, 2022 Results on Oct 27, 2022

Second quarter 2022 earnings released: EPS: €0.037 (vs €0.013 in 2Q 2021)

Unicaja Banco, S.A. to Report Q2, 2022 Results on Jul 27, 2022

Helvetia Holding AG (SWX : HELN) acquired an additional 10% stake in Caser Expatinsurance from Unicaja Banco, S.A. (BME : UNI).

SANTA LUCÍA ASSET MANAGEMENT, SGIIC, S.A. acquired 50% stake in Liberbank Vida y Pensiones, Seguros y Reaseguros, S.A. from Unicaja Banco, S.A. (BME:UNI) for €360 million.

Santa Lucía, S.A., Compañía de Seguros y Reaseguros agreed to acquire Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) for €318 million.

Santa Lucía, S.A., Compañía de Seguros y Reaseguros agreed to acquire Pension and Reinsurance Business of Unicaja Banco, S.A. (BME:UNI) for €318 million.

Unicaja Banco, S.A. to Report Q1, 2022 Results on Apr 27, 2022

Unicaja Banco, S.A., Annual General Meeting, Mar 30, 2022

Full year 2021 earnings: EPS in line with analyst expectations despite revenue beat

CEO & Executive Director Ángel Rodríguez de Gracia has left the company

Second quarter 2021 earnings released

Unicaja Banco, S.A., Annual General Meeting, Mar 31, 2021

New 90-day high: €0.73

Unicaja Banco, S.A. (BME:UNI) agreed to acquire Liberbank, S.A. (BME:LBK) for approximately €760 million.

Merger Talks Between Unicaja and Liberbank Ongoing

Liberbank and Unicaja Reportedly in Merger Talks

An unknown buyer completed the acquisition of portfolios of doubtful loans and real estate assets of Unicaja Banco, S.A. (BME:UNI).

Tomás Olivo acquired 3.06% stake in Unicaja Banco, S.A. (BME:UNI).

Shareholder Returns

Price Volatility

About the Company

Unicaja Banco, S.A. Fundamentals Summary

7.4x

0.5x

Earnings & Revenue

Dividends

4.0%

33%