Unicaja Banco/€UNI
05:30
09:10
12:45
16:25
20:00
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About Unicaja Banco
Unicaja Banco SA, trading under the ticker UNI, is a Spanish financial institution primarily engaged in the banking sector. Founded in 1991 and headquartered in Malaga, Spain, the bank operates through a network of branches across the country, offering a range of banking products and services. These services include personal and business banking, loans, mortgages, and asset management, catering to both individual and corporate clients.
Ticker
€UNI
Sector
Primary listing
BME
Employees
7,576
Headquarters
Website
Unicaja Banco Metrics
BasicAdvanced
€6.1B
10.17
€0.23
0.71
€0.11
4.55%
Price and volume
Market cap
€6.1B
Beta
0.71
52-week high
€2.45
52-week low
€1.05
Average daily volume
4.3M
Dividend rate
€0.11
Financial strength
Dividend payout ratio (TTM)
55.80%
Profitability
Net profit margin (TTM)
30.95%
Operating margin (TTM)
48.90%
Effective tax rate (TTM)
28.35%
Revenue per employee (TTM)
€260,000
Management effectiveness
Return on assets (TTM)
0.65%
Return on equity (TTM)
9.05%
Valuation
Price to earnings (TTM)
10.173
Price to revenue (TTM)
3.079
Price to book
0.88
Price to tangible book (TTM)
0.89
Price to free cash flow (TTM)
-1.74
Free cash flow yield (TTM)
-57.47%
Free cash flow per share (TTM)
-1.369
Dividend yield (TTM)
4.55%
Growth
Revenue change (TTM)
23.38%
Earnings per share change (TTM)
54.40%
3-year revenue growth (CAGR)
16.90%
3-year earnings per share growth (CAGR)
-20.42%
10-year earnings per share growth (CAGR)
8.22%
3-year dividend per share growth (CAGR)
77.38%
10-year dividend per share growth (CAGR)
16.62%
What the Analysts think about Unicaja Banco
Analyst ratings (Buy, Hold, Sell) for Unicaja Banco stock.
Bulls say / Bears say
In Q1 2025, Unicaja’s net profit rose 43% year-on-year to €158 million, significantly surpassing analysts’ expectations through a reduction in the renewed banking tax impact (Reuters).
In Q2 2025, Unicaja reported net profit of €179 million, beating forecasts of €169 million, supported by lower deposit costs and stronger lending momentum, and lifted its full-year net interest income guidance to over €1.45 billion (Reuters).
Total fees in Q2 grew 3.5% year-on-year, prompting Unicaja to upgrade its expected 2025 fee income growth from flat to low single-digits, highlighting successful revenue diversification (Reuters).
Unicaja’s net interest income fell 5.6% year-on-year to €369 million in Q1 2025, reflecting ongoing margin compression from lower Euribor rates (Reuters).
Its full-year 2025 net interest income guidance of just over €1.45 billion remains below the €1.54 billion recorded in 2024, indicating that funding cost pressures continue to weigh on margins (Reuters).
The bank’s performing loan book was almost flat year-on-year in Q2 2025, rising just 3.5% quarter-on-quarter, signaling limited expansion in core lending volumes (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 4 Sept 2025.
Unicaja Banco Financial Performance
Revenues and expenses
Unicaja Banco Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Unicaja Banco stock?
Unicaja Banco (UNI) has a market cap of €6.1B as of September 15, 2025.
What is the P/E ratio for Unicaja Banco stock?
The price to earnings (P/E) ratio for Unicaja Banco (UNI) stock is 10.17 as of September 15, 2025.
Does Unicaja Banco stock pay dividends?
Yes, the Unicaja Banco (UNI) stock pays dividends to shareholders. As of September 15, 2025, the dividend rate is €0.1084 and the yield is 4.55%. Unicaja Banco has a payout ratio of 55.8% on a trailing twelve-month basis.
When is the next Unicaja Banco dividend payment date?
The next Unicaja Banco (UNI) dividend payment date is unconfirmed.
What is the beta indicator for Unicaja Banco?
Unicaja Banco (UNI) has a beta rating of 0.71. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.