Unicaja Banco, S.A.

BIT:1UNI Stock Report

Market Cap: €7.7b

Unicaja Banco Valuation

Is 1UNI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of 1UNI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: 1UNI (€3.01) is trading below our estimate of future cash flow value (€3.05)

Significantly Below Future Cash Flow Value: 1UNI is trading below future cash flow value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 1UNI?

Key metric: As 1UNI is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 1UNI. This is calculated by dividing 1UNI's market cap by their current earnings.
What is 1UNI's PE Ratio?
PE Ratio12.3x
Earnings€628.51m
Market Cap€7.73b

Price to Earnings Ratio vs Peers

How does 1UNI's PE Ratio compare to its peers?

The above table shows the PE ratio for 1UNI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15.8x
CE Credito Emiliano
10.6x2.39%€5.6b
FBK FinecoBank Banca Fineco
21.1x9.37%€13.6b
BAMI Banco BPM
10.9x2.76%€22.3b
MB Mediobanca Banca di Credito Finanziario
20.7x22.08%€21.0b
1UNI Unicaja Banco
12.3x3.98%€7.7b

Price-To-Earnings vs Peers: 1UNI is good value based on its Price-To-Earnings Ratio (12.3x) compared to the peer average (15.8x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does 1UNI's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
1UNI 12.3xIndustry Avg. 11.5xNo. of Companies44PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 1UNI is expensive based on its Price-To-Earnings Ratio (12.3x) compared to the European Banks industry average (11.5x).

Price to Earnings Ratio vs Fair Ratio

What is 1UNI'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.

1UNI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.3x
Fair PE Ratio10.7x

Price-To-Earnings vs Fair Ratio: 1UNI is expensive based on its Price-To-Earnings Ratio (12.3x) compared to the estimated Fair Price-To-Earnings Ratio (10.7x).

Analyst Price Targets

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

The above table shows the analyst 1UNI forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€3.01
€2.82
-6.07%
8.34%€3.45€2.40n/a18
Jun ’27€3.00
€2.82
-5.82%
8.34%€3.45€2.40n/a18
May ’27€2.73
€2.69
-1.22%
10.59%€3.45€2.30n/a17
Apr ’27€2.65
€2.64
-0.35%
10.93%€3.35€2.20n/a18
Mar ’27€2.71
€2.64
-2.57%
10.96%€3.35€2.20n/a18
Feb ’27€2.93
€2.61
-10.86%
12.14%€3.30€2.20n/a18
Jan ’27€2.68
€2.44
-9.20%
11.04%€3.25€2.15n/a17
Dec ’26€2.50
€2.39
-4.60%
13.44%€3.25€1.60n/a18
Nov ’26€2.41
€2.28
-5.36%
15.65%€3.25€1.60n/a18
Oct ’26€2.39
€2.15
-10.12%
14.55%€2.90€1.60n/a18
Sep ’26€2.38
€2.10
-11.79%
14.88%€2.90€1.60n/a17
Aug ’26€2.29
€2.01
-12.30%
15.01%€2.90€1.60n/a17
Jul ’26€2.01
€1.86
-7.48%
15.70%€2.80€1.55n/a17
Jun ’26€1.94
€1.76
-9.60%
17.59%€2.80€1.20€3.0017
May ’26€1.70
€1.72
+1.22%
14.73%€2.50€1.20€2.7317
Apr ’26€1.73
€1.62
-6.29%
16.49%€2.35€1.20€2.6517
Mar ’26n/a
€1.53
0%
17.00%€2.35€1.20€2.7116
Feb ’26n/a
€1.47
0%
16.84%€2.30€1.20€2.9316
Jan ’26n/a
€1.45
0%
16.02%€2.20€1.17€2.6816
Dec ’25n/a
€1.44
0%
16.06%€2.20€1.17€2.5016
Nov ’25n/a
€1.42
0%
17.27%€2.20€1.13€2.4116
Oct ’25n/a
€1.47
0%
15.81%€2.20€1.20€2.3915
Sep ’25n/a
€1.46
0%
15.39%€2.20€1.20€2.3816
Aug ’25n/a
€1.47
0%
14.85%€2.20€1.20€2.2916
Jul ’25n/a
€1.43
0%
14.79%€2.10€1.20€2.0116
Jun ’25n/a
€1.42
0%
14.70%€2.10€1.20€1.9416
€2.82
Fair Value
6.6% overvalued intrinsic discount
18
Number of Analysts

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/15 01:25
End of Day Share Price 2026/06/15 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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.

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 25 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Javier Esteban LarioBanco de Sabadell. S.A.
Jesús Gómez DominguezBanco Santander
Cecilia Romero ReyesBarclays