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Unicaja Banco

LSE:0RR7
Snowflake Description

Adequate balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0RR7
LSE
€2B
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

Unicaja Banco, S.A. provides various banking products and services to individuals, companies, and freelancers in Spain and internationally. The last earnings update was 52 days ago. More info.


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0RR7 Share Price and Events
7 Day Returns
6.3%
LSE:0RR7
1%
GB Banks
0.6%
GB Market
1 Year Returns
-30.7%
LSE:0RR7
-8.7%
GB Banks
1.1%
GB Market
0RR7 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Unicaja Banco (0RR7) 6.3% 4.3% -8.5% -30.7% - -
GB Banks 1% 4.3% 4.4% -8.7% 17% -11.2%
GB Market 0.6% 2.6% 6.9% 1.1% 15.6% 6.2%
1 Year Return vs Industry and Market
  • 0RR7 underperformed the Banks industry which returned -8.7% over the past year.
  • 0RR7 underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 1.1% over the past year.
Price Volatility
Industry
5yr Volatility vs Market

0RR7 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.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Unicaja Banco.

LSE:0RR7 Discounted Cash Flow Data Sources
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
= €2.57 * 4.9%
€0.13
Book Value of Equity per Share Weighted future Book Value estimates from 8 analysts. €2.57
Discount Rate (Cost of Equity) See below 13.8%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0RR7
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
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))
= 0.593 (1 + (1- 25%) (272.42%))
1.539
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.54
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (1.539 * 8.18%)
13.82%

Discounted Cash Flow Calculation for LSE:0RR7 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.

LSE:0RR7 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (4.9% – 13.82%) * €2.57)
€-0.23
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €-0.23 / (13.82% - 1.23%)
€-1.81
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €2.57 + €-1.81
€0.76
LSE:0RR7 Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:0RR7 represents 0.99902x of BME:UNI
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.99902x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 0.76 x 0.99902
€0.76
Value per share (EUR) From above. €0.76
Current discount Discount to share price of €1.02
= -1 x (€1.02 - €0.76) / €0.76
-34%

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.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
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?
Raw Data
LSE:0RR7 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €0.09
BME:UNI Share Price ** BME (2019-04-18) in EUR €1.02
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 10.35x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.29x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Unicaja Banco.

LSE:0RR7 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= BME:UNI Share Price ÷ EPS (both in EUR)

= 1.02 ÷ 0.09

10.72x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unicaja Banco is overvalued based on earnings compared to the GB Banks industry average.
  • Unicaja Banco is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Unicaja Banco's expected growth come at a high price?
Raw Data
LSE:0RR7 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 10.72x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 10 Analysts
12.6%per year
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.86x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 564 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

LSE:0RR7 PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 10.72x ÷ 12.6%

0.85x

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?
Raw Data
LSE:0RR7 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €2.44
BME:UNI Share Price * BME (2019-04-18) in EUR €1.02
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.88x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.51x
LSE:0RR7 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BME:UNI Share Price ÷ Book Value per Share (both in EUR)

= 1.02 ÷ 2.44

0.42x

* 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 GB Banks industry average.
X
Value checks
We assess Unicaja Banco's value by looking at:
  1. 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. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Unicaja Banco has a total score of 3/6, 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.

0RR7 Future Performance

 How is Unicaja Banco expected to perform in the next 1 to 3 years based on estimates from 10 analysts?

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!
Annual Growth Rate
12.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Unicaja Banco expected to grow at an attractive rate?
  • Unicaja Banco's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Unicaja Banco's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • Unicaja Banco's revenues are expected to decrease over the next 1-3 years, this is below the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:0RR7 Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0RR7 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 10 Analysts 12.6%
LSE:0RR7 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 10 Analysts -0.2%
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.7%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.6%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*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
Raw Data
LSE:0RR7 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 10 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0RR7 Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-12-31 1,077 265 1
2021-12-31 986 221 6
2020-12-31 963 214 10
2019-12-31 918 178 8
LSE:0RR7 Past Financials Data
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.

Super high growth metrics
High Growth Checks
  • Unicaja Banco's earnings are expected to grow by 12.6% yearly, however this is not considered high growth (20% yearly).
  • Unicaja Banco's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0RR7 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 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 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0RR7 Future Estimates Data
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 0.12 5.00
2020-12-31 0.13 0.16 0.11 9.00
2019-12-31 0.11 0.12 0.09 7.00
LSE:0RR7 Past Financials Data
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.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unicaja Banco is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Unicaja Banco's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
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.

0RR7 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
Below we compare Unicaja Banco's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • 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 GB Banks industry average in the past year (7.1% vs 42.2%).
Earnings and Revenue History
Unicaja Banco's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Unicaja Banco Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0RR7 Past Revenue, Cash Flow and Net Income Data
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 GB 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.
X
Past performance checks
We assess Unicaja Banco's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
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.

0RR7 Health

 How is Unicaja Banco's financial position? (This company is analysed differently as a bank or financial institution)

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.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Unicaja Banco's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
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.
Raw Data

All data from Unicaja Banco Company Filings, last reported 3 months ago.

LSE:0RR7 Past Debt and Equity Data
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.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • 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%).
X
Financial health checks
We assess Unicaja Banco's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Unicaja Banco has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. 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.

0RR7 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
Dividend payments
1.96%
Current annual income from Unicaja Banco dividends. Estimated to be 4.88% next year.
If you bought €2,000 of Unicaja Banco shares you are expected to receive €39 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unicaja Banco's pays a lower dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • Unicaja Banco's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (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.
Raw Data
LSE:0RR7 Annualized Past and Future Dividends
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
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 4.9%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland 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.

LSE:0RR7 Future Dividends Estimate Data
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 12.00
2019-12-31 0.04 11.00
LSE:0RR7 Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2018-03-21 0.020 1.631
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.
Current Payout to shareholders
What portion of Unicaja Banco's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (4.7x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2.4x coverage).
X
Income/ dividend checks
We assess Unicaja Banco's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. 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)
  7. Unicaja Banco has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

0RR7 Management

 What is the CEO of Unicaja Banco's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Enrique del Villar Boceta
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 United Kingdom of Great Britain and Northern Ireland.
Management Team

Manuel Azuaga Moreno

TITLE
Chairman of the Board
AGE
71

Enrique del Villar Boceta

TITLE
CEO & Executive Director
AGE
52
TENURE
2.8 yrs

María Lombardero Barceló

TITLE
Deputy Director of Corporate Development
AGE
57

Teresa Ponte

TITLE
Secretary of the Board & Director

Pablo Martín

TITLE
Director General of Finance
AGE
48

José María de la Carnicero

TITLE
Director General of Organization

Oscar García Oltra

TITLE
Corporate Director of Technology & Transformation
AGE
41

Mariano Anaya Ordóñez

TITLE
Director of Information

Jaime Marcos

TITLE
Head of Investor Relations

Vicente Gisbert

TITLE
Director of Legal Advice & Deputy Secretary
Board of Directors Tenure

Average tenure and age of the Unicaja Banco board of directors in years:

2.8
Average Tenure
71
Average Age
  • 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

TITLE
Chairman of the Board
AGE
71
TENURE
2.8 yrs

Enrique del Villar Boceta

TITLE
CEO & Executive Director
AGE
52
TENURE
2.8 yrs

Juan Fraile Cantón

TITLE
Second Vice President of the Board
AGE
69

Victorio Valle Sánchez

TITLE
First Vice President of the Board
AGE
79

Braulio Medel Cámara

TITLE
Chairman Emeritus
AGE
71
TENURE
2.8 yrs

Teresa Ponte

TITLE
Secretary of the Board & Director
TENURE
1 yrs

Isabel Castella

TITLE
Director
AGE
71
TENURE
2 yrs

Manuel Gutiérrez

TITLE
Director
TENURE
1 yrs

Petra Mateos-Aparicio Morales

TITLE
Director
AGE
72

Agustín Molina Morales

TITLE
Director
AGE
69
TENURE
7.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Unicaja Banco's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. 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.

0RR7 News

Simply Wall St News

0RR7 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.
0RR7
Exchange: LSE
Founded: 1991
€1,631,579,012
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
Staff numbers
6,920
Unicaja Banco employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/20 22:04
End of day share price update: 2019/04/18 00:00
Last estimates confirmation: 2019/04/18
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.