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: 0RR7 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0RR7 matched the UK Banks industry which returned -6% over the past year.
Return vs Market: 0RR7 underperformed the UK Market which returned 6.5% 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
No news available
Is Unicaja Banco undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0RR7 (€0.95) is trading below our estimate of fair value (€1.05)
Significantly Below Fair Value: 0RR7 is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: 0RR7 is good value based on its PE Ratio (9x) compared to the Banks industry average (9.1x).
PE vs Market: 0RR7 is good value based on its PE Ratio (9x) compared to the UK market (18.6x).
Price to Earnings Growth Ratio
PEG Ratio: 0RR7's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0RR7 is good value based on its PB Ratio (0.4x) compared to the GB Banks industry average (0.8x).
How is Unicaja Banco forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0RR7's earnings are forecast to decline over the next 3 years (-6.8% per year).
Earnings vs Market: 0RR7's earnings are forecast to decline over the next 3 years (-6.8% per year).
High Growth Earnings: 0RR7's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0RR7's revenue is expected to decline over the next 3 years (-2.7% per year).
High Growth Revenue: 0RR7's revenue is forecast to decline over the next 3 years (-2.7% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0RR7's Return on Equity is forecast to be low in 3 years time (4.4%).
How has Unicaja Banco performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0RR7 has high quality earnings.
Growing Profit Margin: 0RR7's current net profit margins (16.6%) are higher than last year (16.4%).
Past Earnings Growth Analysis
Earnings Trend: 0RR7's earnings have declined by -16.9% per year over the past 5 years.
Accelerating Growth: 0RR7's earnings growth over the past year (14.3%) exceeds its 5-year average (-16.9% per year).
Earnings vs Industry: 0RR7 earnings growth over the past year (14.3%) underperformed the Banks industry 26.6%.
Return on Equity
High ROE: 0RR7's Return on Equity (4.2%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: 0RR7 has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0RR7's debt is covered by short term assets (assets are 16.5x debt).
Financial Institutions Analysis
Asset Level: 0RR7's level of assets compared to its equity is moderate.
Allowance for Bad Loans: 0RR7 has a low allowance for bad loans.
Low Risk Liabilities: 0RR7's liabilities are made up of primarily low risk sources of funding.
Loan Level: 0RR7 has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0RR7's loans are broadly funded by customer deposits.
Level of Bad Loans: 0RR7 has a high level of bad loans (5.33%)
What is Unicaja Banco's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 0RR7's dividend (3.98%) is higher than the bottom 25% of dividend payers in the UK market (1.8%).
High Dividend: 0RR7's dividend (3.98%) is low compared to the top 25% of dividend payers in the UK market (5.07%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, 0RR7 has been paying a dividend for less than 10 years.
Growing Dividend: 0RR7'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 (35.9%), 0RR7's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0RR7's dividends in 3 years are forecast to be covered by earnings (54.5% 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 and Director General of Recovery of Asset & Non-Core Business at Unicaja Banco, SA. He served as General Manager of Unicaja Banco, S.A. Mr. R ...
|Executive Chairman of the Board||3.7yrs||no data||0.010% €153.1k|
|Secretary of the Board & Director||1.8yrs||no data||no data|
|CEO, Director General of Recovery of Asset & Non-Core Business and Executive Director||0yrs||no data||0.010% €153.1k|
|Chairman Emeritus||3.7yrs||no data||no data|
|Independent Director||2.8yrs||no data||no data|
|Director||0yrs||no data||no data|
|Independent Director||1.8yrs||no data||no data|
|Second Vice President of the Board||0yrs||no data||no data|
|Director||8.2yrs||no data||no data|
|First Vice President of the Board||0yrs||no data||no data|
Experienced Board: 0RR7's board of directors are not considered experienced ( 2.8 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: 0RR7
- Exchange: LSE
- Founded: 1991
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €1.530b
- Shares outstanding: 1.61b
- 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||2020/02/24 00:12|
|End of Day Share Price||2020/02/21 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.