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Unicaja Banco

OTCPK:UNJC.F
Snowflake Description

Adequate balance sheet average dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
UNJC.F
OTCPK
€1B
Market Cap
  1. Home
  2. US
  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 19 days ago. More info.


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UNJC.F Share Price and Events
7 Day Returns
0%
OTCPK:UNJC.F
-2.6%
US Banks
-1%
US Market
1 Year Returns
-
OTCPK:UNJC.F
-14.2%
US Banks
-0.4%
US Market
UNJC.F Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Unicaja Banco (UNJC.F) 0% 0% - - - -
US Banks -2.6% -5.5% -3.5% -14.2% 32.4% 36.7%
US Market -1% -3.3% 0.4% -0.4% 30.4% 37.1%
1 Year Return vs Industry and Market
  • No trading data on UNJC.F.
  • No trading data on UNJC.F.
Price Volatility
UNJC.F
Industry
5yr Volatility vs Market

UNJC.F 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.

OTCPK:UNJC.F Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 11 analysts.
= Stable Book Value * Return on Equity
= €2.58 * 4.5%
€0.12
Book Value of Equity per Share Weighted future Book Value estimates from 9 analysts. €2.58
Discount Rate (Cost of Equity) See below 12.7%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

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 OTCPK:UNJC.F
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 8.2%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.57
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.566 (1 + (1- 25%) (318.66%))
1.214
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.21
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.214 * 8.18%)
12.66%

Discounted Cash Flow Calculation for OTCPK:UNJC.F 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.

OTCPK:UNJC.F Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (4.5% – 12.66%) * €2.58)
€-0.21
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €-0.21 / (12.66% - 2.73%)
€-2.13
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €2.58 + €-2.13
€0.45
OTCPK:UNJC.F Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in OTCPK:UNJC.F represents 1.32575x of BME:UNI
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
1.32575x
Value per Share
(Listing Adjusted, USD)
= Value per Share (EUR) x Listing Adjustment Factor
= € 0.45 x 1.32575
$0.60
Value per share (USD) From above. $0.60
Current discount Discount to share price of $0.88
= -1 x ($0.88 - $0.60) / $0.60
-45.6%

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
OTCPK:UNJC.F PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in EUR €0.10
BME:UNI Share Price ** BME (2019-07-08) in EUR €0.66
United States of America Banks Industry PE Ratio Median Figure of 597 Publicly-Listed Banks Companies 12.29x
United States of America Market PE Ratio Median Figure of 3,095 Publicly-Listed Companies 17.23x

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

** Primary Listing of Unicaja Banco.

OTCPK:UNJC.F PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

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

= 0.66 ÷ 0.10

6.5x

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

  • Unicaja Banco is good value based on earnings compared to the US Banks industry average.
  • Unicaja Banco is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Unicaja Banco's expected growth come at a high price?
Raw Data
OTCPK:UNJC.F PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 6.5x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 12 Analysts
-6.3%per year
United States of America Banks Industry PEG Ratio Median Figure of 274 Publicly-Listed Banks Companies 1.12x
United States of America Market PEG Ratio Median Figure of 2,124 Publicly-Listed Companies 1.4x

*Line of best fit is calculated by linear regression .

OTCPK:UNJC.F PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 6.5x ÷ -6.3%

-1.04x

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

  • Unicaja Banco earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Unicaja Banco's assets?
Raw Data
OTCPK:UNJC.F PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in EUR €2.46
BME:UNI Share Price * BME (2019-07-08) in EUR €0.66
United States of America Banks Industry PB Ratio Median Figure of 600 Publicly-Listed Banks Companies 1.16x
United States of America Market PB Ratio Median Figure of 5,265 Publicly-Listed Companies 1.7x
OTCPK:UNJC.F PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

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

= 0.66 ÷ 2.46

0.27x

* 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 US 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.

UNJC.F Future Performance

 How is Unicaja Banco expected to perform in the next 1 to 3 years based on estimates from 12 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
-6.3%
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 are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Unicaja Banco's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
  • Unicaja Banco's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.
Annual Growth Rates Comparison
Raw Data
OTCPK:UNJC.F Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:UNJC.F Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 12 Analysts -6.3%
OTCPK:UNJC.F Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 12 Analysts -0.9%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 1.5%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*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
OTCPK:UNJC.F Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:UNJC.F Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-12-31 958 194 1
2021-12-31 916 183 12
2020-12-31 903 172 12
2019-12-31 934 221 11
OTCPK:UNJC.F Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2019-06-30 997 -1,023 163
2019-03-31 1,001 158
2018-12-31 1,008 465 153
2018-09-30 904 148
2018-06-30 908 2,544 162
2018-03-31 932 148
2017-12-31 926 1,119 142
2017-09-30 986 76
2017-06-30 965 -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

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unicaja Banco's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • 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
OTCPK:UNJC.F Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below

All data from Unicaja Banco Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:UNJC.F Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-12-31 0.12 0.12 0.12 1.00
2021-12-31 0.11 0.13 0.09 10.00
2020-12-31 0.11 0.13 0.08 10.00
2019-12-31 0.14 0.16 0.09 9.00
OTCPK:UNJC.F Past Financials Data
Date (Data in EUR Millions) EPS *
2019-06-30 0.10
2019-03-31 0.10
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

*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 States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America 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 0/6, 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.

UNJC.F 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 (0.7% vs -25.6%)
  • Unicaja Banco's earnings growth has not exceeded the US Banks industry average in the past year (0.7% vs 33.2%).
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 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:UNJC.F Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 997.44 163.17 583.55
2019-03-31 1,000.81 157.55 583.42
2018-12-31 1,007.81 152.55 590.42
2018-09-30 903.78 148.38 589.16
2018-06-30 907.62 161.97 593.86
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
2017-06-30 964.73 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

*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 US 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.

UNJC.F 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 1 month ago.

OTCPK:UNJC.F Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 3,958.93 3,336.47 1,334.50
2019-03-31 3,855.00 898.00 6,612.00
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
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.

UNJC.F 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
5.74%
Current annual income from Unicaja Banco dividends. Estimated to be 7.53% next year.
If you bought $2,000 of Unicaja Banco shares you are expected to receive $115 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 higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).
  • Unicaja Banco's dividend is above the markets top 25% of dividend payers in United States of America (3.84%).
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
OTCPK:UNJC.F 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 12 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 480 Stocks 3.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2009 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:UNJC.F Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2022-12-31 0.06 1.00
2021-12-31 0.05 13.00
2020-12-31 0.05 13.00
2019-12-31 0.05 12.00
OTCPK:UNJC.F Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-04-26 0.038 4.685
2018-03-21 0.020 1.637
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 (2.7x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2.1x 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 0.8%) - 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 4/6, see the detailed checks below.


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

UNJC.F 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.
  • Unicaja Banco has no CEO, or we have no data on them.
Management Team

Manuel Azuaga Moreno

TITLE
Executive Chairman of the Board
AGE
72

María Luisa Lombardero Barceló

TITLE
Deputy Director of Corporate Development
AGE
58

Teresa Ponte

TITLE
Secretary of the Board & Director

Pablo Martín

TITLE
Director General of Finance
AGE
49

José María de la Carnicero

TITLE
Director General of Organization

Oscar García Oltra

TITLE
Corporate Director of Technology & Transformation
AGE
42

Mariano Joaquín Anaya Ordóñez

TITLE
Director of Information

Jaime Marcos

TITLE
Head of Investor Relations

Vicente Gisbert

TITLE
Director of Legal Advice & Deputy Secretary

José María Ramírez Nuñez Prado

TITLE
Director of Regulatory Compliance
Board of Directors Tenure

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

2.3
Average Tenure
72
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
Executive Chairman of the Board
AGE
72
TENURE
3.2 yrs

Juan Fraile Cantón

TITLE
Second Vice President of the Board
AGE
70

Victorio Valle Sánchez

TITLE
First Vice President of the Board
AGE
80

Braulio Cámara

TITLE
Chairman Emeritus
AGE
72
TENURE
3.2 yrs

Teresa Ponte

TITLE
Secretary of the Board & Director
TENURE
1.3 yrs

Ángel Rodríguez de Gracia

TITLE
Director General of Recovery of Asset & Non-Core Business and Executive Director
AGE
63
TENURE
0.1 yrs

Isabel Castella

TITLE
Director
AGE
72
TENURE
2.3 yrs

Manuel Conthe Gutiérrez

TITLE
Director
TENURE
1.3 yrs

Petra Mateos-Aparicio Morales

TITLE
Director
AGE
73

Agustín Molina Morales

TITLE
Director
AGE
70
TENURE
7.7 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual 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.

UNJC.F News

Simply Wall St News

UNJC.F 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.
UNJC.F
Exchange: OTCPK
Founded: 1991
€1,177,550,649
1,607,891,887
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
OTCPK UNJC.F Ordinary Shares Pink Sheets LLC US USD 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
6,803
Unicaja Banco employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/08/18 00:35
End of day share price update: 2019/07/08 00:00
Last estimates confirmation: 2019/08/14
Last earnings filing: 2019/07/30
Last earnings reported: 2019/06/30
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.