1UNI Stock Overview

Engages in the retail banking business in Spain. More details

1UNI fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 10.4% below our estimate of its fair value

Earnings grew by 82.1% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 6.7% per year for the next 3 years

Unstable dividend track record

Community vs My Fair Value

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Unicaja Banco, S.A. Competitors

Credito Emiliano

BIT:CE

€4.2b

Banca Popolare di Sondrio

BIT:BPSO

€5.1b

Banca Monte dei Paschi di Siena

BIT:BMPS

€9.5b

FinecoBank Banca Fineco

BIT:FBK

€11.2b

Price History & Performance

Summary of share price highs, lows and changes for Unicaja Banco
Historical stock prices
Current Share Price	€1.72
52 Week High	€0
52 Week Low	€0
Beta	0.67
1 Month Change	4.88%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	1.12%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	1UNI	IT Banks	IT Market
7D	1.5%	2.0%	3.0%
1Y	n/a	42.1%	12.6%

Return vs Industry: Insufficient data to determine how 1UNI performed against the Italian Banks industry.

Return vs Market: Insufficient data to determine how 1UNI performed against the Italian Market.

Price Volatility

Is 1UNI's price volatile compared to industry and market?
1UNI volatility
1UNI Average Weekly Movement	5.1%
Banks Industry Average Movement	6.1%
Market Average Movement	5.3%
10% most volatile stocks in IT Market	8.7%
10% least volatile stocks in IT Market	3.4%

Stable Share Price: 1UNI has not had significant price volatility in the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1UNI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1991	7,513	Isidro Gil	www.unicajabanco.com

Unicaja Banco, S.A. engages in the retail banking business in Spain. The company offers current, savings, young person, and payment accounts; term deposits; debit, business, and credit cards; mortgages; study, eco-mobility, mobility vehicle, reform, and home loans; and home, car, health, accident, funeral, company and agro uni, company health, SME and retail damage, corporate liability, agricultural, and life insurance products. It also provides pension plans; investment funds; bill and tax payment, and collection management services; payments; POS products; short-term and medium/long-term financing; ATM, foreign trade facility, and currency management and exchange services; private and personal banking services; and digital and mobile banking services.

Unicaja Banco, S.A. Fundamentals Summary

How do Unicaja Banco's earnings and revenue compare to its market cap?
1UNI fundamental statistics
Market cap	€4.49b
Earnings (TTM)	€613.48m
Revenue (TTM)	€2.00b

7.3x

P/E Ratio

0.7x

P/B Ratio

Is 1UNI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1UNI income statement (TTM)
Revenue	€2.00b
Cost of Revenue	€0
Gross Profit	€2.00b
Other Expenses	€1.38b
Earnings	€613.48m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	0.24
Gross Margin	100.00%
Net Profit Margin	30.74%
Debt/Equity Ratio	75.9%

How did 1UNI perform over the long term?

See historical performance and comparison

Dividends

8.5%

Current Dividend Yield

62%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/05 09:46
End of Day Share Price	2025/05/05 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

Unicaja Banco, S.A. is covered by 26 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.

Analyst	Institution
Carlos Peixoto	Banco BPI, S.A.
Javier Esteban Lario	Banco de Sabadell. S.A.
Jesús Gómez Dominguez	Banco Santander