Unicaja Banco, S.A.

BME:UNI Stok Raporu

Piyasa değeri: €9.3b

Unicaja Banco Gelecekteki Büyüme

Future kriter kontrolleri 1/6

Unicaja Banco kazanç ve gelirin sırasıyla yıllık 4.7% ve 5.4% oranında artacağı tahmin edilmektedir. EPS'nin yıllık 5.4% oranında büyümesi beklenmektedir. Özkaynak kârlılığının 3 yıl içinde 11% olacağı tahmin edilmektedir.

Anahtar bilgiler

4.7%

Kazanç büyüme oranı

5.42%

EPS büyüme oranı

Banks kazanç büyümesi10.9%
Gelir büyüme oranı5.4%
Gelecekteki özkaynak getirisi10.99%
Analist kapsamı

Good

Son güncelleme14 Sep 2026

Gelecekteki son büyüme güncellemeleri

Recent updates

Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
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Yeni Anlatı • 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.

Kazanç ve Gelir Büyüme Tahminleri

BME:UNI - Analistlerin gelecek tahminleri ve geçmiş finansal verileri (EUR Millions )
TarihGelirKazançlarSerbest Nakit AkışıFaaliyetlerden NakitAvg. Analist Sayısı
12/31/20282,351732N/AN/A14
12/31/20272,270714N/AN/A14
12/31/20262,164682N/AN/A14
6/30/20262,025649-489-369N/A
3/31/20261,983629N/AN/AN/A
12/31/20251,973626-1,530-1,421N/A
9/30/20251,990618N/AN/AN/A
6/30/20251,980610-3,526-3,470N/A
3/31/20251,996613N/AN/AN/A
12/31/20241,930566-407-356N/A
9/30/20241,610426N/AN/AN/A
6/30/20241,6154061,7671,849N/A
3/31/20241,492337N/AN/AN/A
12/31/20231,4002602,7712,834N/A
9/30/20231,543266N/AN/AN/A
6/30/20231,401249-14,256-14,192N/A
3/31/20231,391227N/AN/AN/A
12/31/20221,408271-17,402-17,346N/A
9/30/20221,362-29N/AN/AN/A
6/30/20221,2471,20710,21810,225N/A
3/31/20221,0351,123N/AN/AN/A
12/31/20219081,10613,93113,959N/A
9/30/20217661,389N/AN/AN/A
6/30/2021669801,4931,516N/A
3/31/202165968N/AN/AN/A
12/31/2020670712,0012,028N/A
9/30/202096783N/AN/AN/A
6/30/20201,0511104,6424,701N/A
3/31/20201,122148N/AN/AN/A
12/31/20191,152165N/A-223N/A
9/30/20191,021170N/AN/AN/A
6/30/2019997149N/A-1,016N/A
3/31/20191,001158N/AN/AN/A
12/31/20181,008146N/A465N/A
9/30/2018904148N/AN/AN/A
6/30/2018908162N/A2,544N/A
3/31/2018932148N/AN/AN/A
12/31/2017926142N/A1,119N/A
9/30/201798676N/AN/AN/A
6/30/201796583N/A-1,136N/A
3/31/20171,020106N/A2,178N/A
12/31/20161,047132N/A4,347N/A
9/30/20161,005148N/AN/AN/A
6/30/2016954118N/A352N/A
3/31/201695091N/AN/AN/A
12/31/20151,098163N/A-4,633N/A
9/30/20151,007100N/AN/AN/A

Analist Gelecek Büyüme Tahminleri

Kazançlar ve Tasarruf Oranları: UNI 'nin tahmini kazanç büyümesi (yıllık 4.7% ) tasarruf oranının ( 2.9% ) üzerindedir.

Kazançlar ve Piyasa: UNI şirketinin kazançlarının (yıllık 4.7% ) Spanish pazarından (yıllık 11.4% ) daha yavaş büyümesi öngörülüyor.

Yüksek Büyüme Kazançları: UNI şirketinin kazançlarının artması bekleniyor, ancak önemli ölçüde.

Gelir ve Pazar: UNI şirketinin gelirinin (yıllık 5.4% ) Spanish pazarından (yıllık 6.4% ) daha yavaş büyümesi öngörülüyor.

Yüksek Büyüme Geliri: UNI şirketinin gelirinin (yıllık 5.4% ) yıllık 20% oranından daha yavaş büyümesi öngörülüyor.

Hisse Başına Kazanç Büyüme Tahminleri

Gelecekteki Özkaynak Getirisi

Gelecekteki ROE: UNI 'nin Özsermaye Getirisi'nin 3 yıl içinde düşük olması tahmin ediliyor ( 11 %).

Büyüyen şirketleri keşfedin

7D

1Y

7D

1Y

7D

1Y

Şirket Analizi ve Finansal Veri Durumu

VeriSon Güncelleme (UTC saati)
Şirket Analizi2026/09/14 12:39
Gün Sonu Hisse Fiyatı2026/09/14 00:00
Kazançlar2026/06/30
Yıllık Kazançlar2025/12/31

Veri Kaynakları

Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.

PaketVeriZaman ÇerçevesiÖrnek ABD Kaynağı *
Şirket Finansalları10 yıl
  • Gelir tablosu
  • Nakit akış tablosu
  • Bilanço
Analist Konsensüs Tahminleri+3 yıl
  • Finansal tahminler
  • Analist fiyat hedefleri
Piyasa Fiyatları30 yıl
  • Hisse senedi fiyatları
  • Temettüler, Bölünmeler ve Eylemler
Sahiplik10 yıl
  • En büyük hissedarlar
  • İçeriden öğrenenlerin ticareti
Yönetim10 yıl
  • Liderlik ekibi
  • Yönetim Kurulu
Önemli Gelişmeler10 yıl
  • Şirket duyuruları

* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.

Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.

Analiz Modeli ve Kar Tanesi

Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına Github sayfamızdan ulaşabilirsiniz; ayrıca raporlarımızı nasıl kullanacağınıza dair kılavuzlarımız ve YouTube’da eğitim videolarımız da bulunmaktadır.

Simply Wall St analiz modelini tasarlayan ve oluşturan hakkında bilgi edinin.

Endüstri ve Sektör Metrikleri

Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.

Analist Kaynakları

Unicaja Banco, S.A. 25 Bu analistlerden 14, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.

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