Unicaja Banco (UNI) Aktievy
Unicaja Banco, S.A. bedriver bankverksamhet för privatpersoner och mindre företag i Spanien. Mer information
| Snöflinga Score | |
|---|---|
| Värdering | 2/6 |
| Framtida tillväxt | 1/6 |
| Tidigare resultat | 4/6 |
| Finansiell hälsa | 5/6 |
| Utdelningar | 3/6 |
UNI Community Fair Values
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Analyst Price Targets
Unicaja Banco, S.A. Konkurrenter
Prishistorik och prestanda
| Historiska aktiekurser | |
|---|---|
| Aktuell aktiekurs | €3.63 |
| 52 veckors högsta | €3.67 |
| 52 veckors lägsta | €2.22 |
| Beta | 0.38 |
| 1 månads förändring | 0.44% |
| 3 månaders förändring | 19.46% |
| 1 års förändring | 49.92% |
| 3 års förändring | 264.86% |
| 5 års förändring | 341.02% |
| Förändring sedan börsintroduktionen | 210.60% |
Senaste nyheter och uppdateringar
Uppdatering av berättelse • Aug 12
UNI: Future Returns Will Depend On Premium Re Rating Risk Being Tested
Unicaja Banco's analyst fair value estimate has moved from €2.94 to €3.06, as analysts factor in Street research that includes higher price targets around €3.25 from Citi and Deutsche Bank, alongside more cautious views from BofA and Barclays. Analyst Commentary Recent Street research on Unicaja Banco points to a split view, with some bullish analysts lifting price targets while more cautious voices flag valuation and execution risks.Uppdatering av berättelse • Jul 29
UNI: Future Returns Will Depend On Premium Re Rating Holding Up
Unicaja Banco's analyst price target has moved higher by about €0.12, with analysts pointing to slightly stronger revenue growth assumptions and profit margins, along with a modestly higher future P/E, even as recent rating changes flag the current premium to peers and reduced scope for further outperformance. Analyst Commentary Recent research on Unicaja Banco gives a mixed picture.
Uppdatering av berättelse • Jul 15
UNI: Premium Rating And Execution Risks Will Likely Cap Further Upside
Analysts have nudged their fair value estimate for Unicaja Banco up from €2.30 to €2.50. The change reflects slightly higher revenue growth assumptions and updated peer comparisons after several firms adjusted their price targets and ratings on the stock.Uppdatering av berättelse • Jul 01
UNI: Future Returns Will Rely On Tight Execution Against Mid 2s Expectations
The analyst price target for Unicaja Banco has been raised from €2.61 to €2.83. Analysts point to updated assumptions around discount rates, revenue growth, profit margins and future P/E as the basis for the change, supported by recent incremental price target increases from several research houses.Analysartikel • Jun 20
Unicaja Banco (BME:UNI) Stock Could Be 21% Overvalued After Green Note Buyback Plan
Unicaja Banco (BME:UNI) has launched a cash offer to repurchase its €500 million green senior non-preferred notes due 2027, and is planning a new euro-denominated green note to refinance the operation. See our latest analysis for Unicaja Banco. Unicaja Banco’s recent green note repurchase comes as the stock trades at €3.154, with a 30-day share price return of 13.78% and a 1-year total shareholder return of 76.36%, suggesting momentum has been building over both shorter and longer periods. If...Recent updates
Uppdatering av berättelse • Aug 12
UNI: Future Returns Will Depend On Premium Re Rating Risk Being Tested
Unicaja Banco's analyst fair value estimate has moved from €2.94 to €3.06, as analysts factor in Street research that includes higher price targets around €3.25 from Citi and Deutsche Bank, alongside more cautious views from BofA and Barclays. Analyst Commentary Recent Street research on Unicaja Banco points to a split view, with some bullish analysts lifting price targets while more cautious voices flag valuation and execution risks.Uppdatering av berättelse • Jul 29
UNI: Future Returns Will Depend On Premium Re Rating Holding Up
Unicaja Banco's analyst price target has moved higher by about €0.12, with analysts pointing to slightly stronger revenue growth assumptions and profit margins, along with a modestly higher future P/E, even as recent rating changes flag the current premium to peers and reduced scope for further outperformance. Analyst Commentary Recent research on Unicaja Banco gives a mixed picture.Uppdatering av berättelse • Jul 15
UNI: Premium Rating And Execution Risks Will Likely Cap Further Upside
Analysts have nudged their fair value estimate for Unicaja Banco up from €2.30 to €2.50. The change reflects slightly higher revenue growth assumptions and updated peer comparisons after several firms adjusted their price targets and ratings on the stock.Uppdatering av berättelse • Jul 01
UNI: Future Returns Will Rely On Tight Execution Against Mid 2s Expectations
The analyst price target for Unicaja Banco has been raised from €2.61 to €2.83. Analysts point to updated assumptions around discount rates, revenue growth, profit margins and future P/E as the basis for the change, supported by recent incremental price target increases from several research houses.Analysartikel • Jun 20
Unicaja Banco (BME:UNI) Stock Could Be 21% Overvalued After Green Note Buyback Plan
Unicaja Banco (BME:UNI) has launched a cash offer to repurchase its €500 million green senior non-preferred notes due 2027, and is planning a new euro-denominated green note to refinance the operation. See our latest analysis for Unicaja Banco. Unicaja Banco’s recent green note repurchase comes as the stock trades at €3.154, with a 30-day share price return of 13.78% and a 1-year total shareholder return of 76.36%, suggesting momentum has been building over both shorter and longer periods. If...
Uppdatering av berättelse • Jun 17
UNI: Raised 2026 Earnings Guidance And Price Objectives Will Shape Future Share Price
Unicaja Banco's analyst price target has been nudged higher to €2.90 from €2.75, as analysts adjust their models to reflect slightly different fair value estimates and updated assumptions on discount rates, revenue, profit margins and future P/E multiples. Analyst Commentary Recent research on Unicaja Banco points to a cautiously constructive stance, with several bullish analysts lifting their valuation work and nudging price targets higher.Uppdatering av berättelse • Jun 03
UNI: Reaffirmed 2026 Earnings Guidance Will Support Higher Fair Value
Analysts have lifted the fair value estimate for Unicaja Banco from €3.09 to €3.29, reflecting updated assumptions on growth, profitability and P/E multiples that align with recent price target increases from several research houses. Analyst Commentary Recent Street research shows a cluster of higher price targets for Unicaja Banco, which lines up with the updated fair value estimate.Uppdatering av berättelse • May 19
UNI: Cautious Outlook Will Persist Despite Higher Earnings Guidance For 2026
Narrative Update The analyst price target for Unicaja Banco has been raised to €2.30 from €1.60. Analysts cite updated assumptions for fair value, discount rate, revenue growth, profit margins, and future P/E, following a series of recent target increases and rating changes from major firms.Uppdatering av berättelse • Jan 24
UNI: Future Returns Will Depend On Executing Against Tighter Mid €2 Expectations
Analysts have lifted their price target for Unicaja Banco to about €2.61 from €2.44, reflecting updated assumptions on fair value, discount rate, revenue growth, profit margin and future P/E, in line with recent target moves from Citi, Morgan Stanley and Deutsche Bank. Analyst Commentary Recent target moves cluster in a relatively tight band around €2.20 to €2.60.Uppdatering av berättelse • Jan 09
UNI: Reassessed Earnings Power Will Support Higher Fair Value Per Share
Analysts have lifted their price target on Unicaja Banco, reflecting updated fair value estimates of €3.09 per share, supported by recent target increases from €2 to €2.20 and from €2.25 to €2.55, alongside revised assumptions for revenue growth, profit margins and future P/E multiples. Analyst Commentary Recent research updates point to a more constructive stance on Unicaja Banco, with bullish analysts lifting their fair value estimates into a €2.20 to €2.55 range.Uppdatering av berättelse • Dec 23
UNI: Future Returns Will Hinge On Execution As Re-Rating Appears Unlikely
The analyst price target for Unicaja Banco has been modestly raised to approximately EUR 2.44 from EUR 2.39, as analysts factor in slightly higher expected profitability and future earnings multiples despite generally cautious ratings. Analyst Commentary Recent research updates reflect a mixed but incrementally constructive stance on Unicaja Banco, with modest target price upgrades offset by cautious rating profiles.Uppdatering av berättelse • Dec 09
UNI: Future Performance Will Depend On Execution As Upside Appears Limited
Analysts have modestly raised their price target on Unicaja Banco, reflecting incremental upward revisions from EUR 2 to EUR 2.20 and from EUR 2.25 to EUR 2.55, as they acknowledge improving earnings that are, however, viewed as largely priced in. Analyst Commentary Recent Street research reflects a cautiously balanced stance on Unicaja Banco, with modest target price increases paired with restrained ratings and an emphasis on limited re-rating potential at current levels.Uppdatering av berättelse • Nov 24
UNI: Future Performance Will Hinge On Execution Amid Balanced Earnings Outlook
Analysts have increased their fair value estimate for Unicaja Banco to €2.39 from €2.10. They cite stronger revenue growth, improved profit margins, and a modest decrease in the discount rate as key drivers for the upward adjustment in the price target.
Ny berättelse • Dec 27
Strong Mutual Fund Growth And Stable Deposit Costs Will Boost Net Interest Margins
Strong mutual fund growth boosts asset management revenue, alongside stable deposit costs improving potential net interest margins for Unicaja Banco.Aktieägarnas avkastning
| UNI | ES Banks | ES Marknad | |
|---|---|---|---|
| 7D | 0.7% | -1.2% | -2.3% |
| 1Y | 49.9% | 46.9% | 23.7% |
Avkastning vs industri: UNI översteg Spanish Banks branschen som gav 46.9 % under det senaste året.
Avkastning vs Marknaden: UNI översteg Spanish marknaden som gav 23.7 % under det senaste året.
Prisvolatilitet
| UNI volatility | |
|---|---|
| UNI Average Weekly Movement | 3.0% |
| Banks Industry Average Movement | 3.2% |
| Market Average Movement | 2.9% |
| 10% most volatile stocks in ES Market | 6.0% |
| 10% least volatile stocks in ES Market | 0.5% |
Stabil aktiekurs: UNI har inte haft någon betydande prisvolatilitet under de senaste 3 månaderna jämfört med marknaden för Spanish.
Volatilitet över tid: UNI s veckovolatilitet ( 3% ) har varit stabil under det senaste året.
Om företaget
| Grundad | Anställda | VD OCH KONCERNCHEF | Webbplats |
|---|---|---|---|
| 1991 | 7,397 | Isidro Gil | www.unicajabanco.com |
Unicaja Banco, S.A. bedriver bankverksamhet för privatpersoner och mindre företag i Spanien. Företaget erbjuder löpande konton, sparkonton, ungdomskonton och betalkonton; tidsbundna insättningar; betalkort, företagskort och kreditkort; hypotekslån; studie-, ekomobilitets-, mobilitets-, reform- och bostadslån; och hem-, bil-, sjuk-, olycksfalls-, begravnings-, företags- och agrouni-, företagshälso-, SME- och detaljhandelsskador, företagsansvar, jordbruks- och livförsäkringsprodukter. Företaget tillhandahåller även pensionsplaner, investeringsfonder, betalning av räkningar och skatter samt inkassohantering, betalningar, POS-produkter, kort- och medellång/långfristig finansiering, bankomater, utlandshandelsfaciliteter samt valutahantering och växlingstjänster, privata banktjänster samt digitala och mobila banktjänster.
Unicaja Banco, S.A. Sammanfattning av grunderna
| UNI grundläggande statistik | |
|---|---|
| Börsvärde | €9.34b |
| Vinst(TTM) | €649.49m |
| Intäkter(TTM) | €2.03b |
14.4x
P/E-förhållande1.4x
P/B-förhållandeÄr UNI övervärderat?
Se Verkligt värde och värderingsanalysResultat & intäkter
| UNI resultaträkning (TTM) | |
|---|---|
| Intäkter | €2.03b |
| Kostnad för intäkter | €0 |
| Bruttovinst | €2.03b |
| Övriga kostnader | €1.38b |
| Intäkter | €649.49m |
Senast redovisade vinst
Jun 30, 2026
Nästa vinstdatum
n/a
| Vinst per aktie (EPS) | 0.25 |
| Bruttomarginal | 100.00% |
| Nettovinstmarginal | 32.07% |
| Skuld/egenkapitalförhållande | 122.5% |
Hur har UNI utvecklats på lång sikt?
Se historisk utveckling och jämförelseUtdelningar
4.8%
Aktuell utdelningsavkastning76%
UtbetalningskvotGer UNI en tillförlitlig utdelning?
Se UNI utdelningshistorik och jämförelsetal| Unicaja Banco datum för utdelning | |
|---|---|
| Ex utdelningsdag | Sep 22 2026 |
| Utbetalningsdag för utdelning | Sep 24 2026 |
| Dagar till Ex-utdelning | 6 days |
| Dagar till utdelningsdag | 8 days |
Ger UNI en tillförlitlig utdelning?
Se UNI utdelningshistorik och jämförelsetalFöretagsanalys och finansiella data Status
| Uppgifter | Senast uppdaterad (UTC-tid) |
|---|---|
| Analys av företag | 2026/09/14 09:57 |
| Aktiekurs vid dagens slut | 2026/09/14 00:00 |
| Intäkter | 2026/06/30 |
| Årlig intjäning | 2025/12/31 |
Datakällor
Den data som används i vår företagsanalys kommer från S&P Global Market Intelligence LLC. Följande data används i vår analysmodell för att generera denna rapport. Data är normaliserade vilket kan medföra en fördröjning från det att källan är tillgänglig.
| Paket | Uppgifter | Tidsram | Exempel US-källa |
|---|---|---|---|
| Företagets finansiella ställning | 10 år |
| |
| Analytikernas konsensusuppskattningar | +3 år |
|
|
| Marknadspriser | 30 år |
| |
| Ägarskap | 10 år |
| |
| Förvaltning | 10 år |
| |
| Viktiga utvecklingstendenser | 10 år |
|
* Exempel för amerikanska värdepapper, för icke-amerikanska värdepapper används motsvarande regelverk och källor.
Om inget annat anges är all finansiell data baserad på en årsperiod men uppdateras kvartalsvis. Detta kallas data för efterföljande tolv månader (TTM) eller senaste tolv månader (LTM). Lär dig mer om detta.
Analysmodell och snöflinga
Detaljer om analysmodellen som används för att skapa den här rapporten finns på vår Github-sida, vi har också guider om hur du använder våra rapporter och handledningar på Youtube.
Lär dig mer om det som utformade och byggde analysmodellen Simply Wall St.
Industri- och sektormått
Våra bransch- och sektionsmått beräknas var sjätte timme av Simply Wall St, detaljer om vår process finns tillgängliga på Github.
Källor för analytiker
Unicaja Banco, S.A. bevakas av 25 analytiker. 14 av dessa analytiker lämnade de uppskattningar av intäkter eller resultat som användes som indata till vår rapport. Analytikernas inskickade estimat uppdateras löpande under dagen.
| Analytiker | Institution |
|---|---|
| Javier Esteban Lario | Banco de Sabadell. S.A. |
| Jesús Gómez Dominguez | Banco Santander |
| Cecilia Romero Reyes | Barclays |