Unicaja Banco/€UNI
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- BME
- Employees
- 7,274
- Headquarters
- Málaga, Spain
- Website
- www.unicajabanco.com
Unicaja Banco Metrics
BasicAdvanced
€8.5B
12.76
€0.26
0.43
€0.15
4.69%
Price and volume
Market cap
€8.5B
Beta
0.43
52-week high
€3.68
52-week low
€2.36
Average daily volume
4.3M
Dividend rate
€0.15
Financial strength
Profitability
Net profit margin (TTM)
32.79%
Operating margin (TTM)
50.83%
Effective tax rate (TTM)
29.27%
Revenue per employee (TTM)
€280,000
Management effectiveness
Return on assets (TTM)
0.70%
Return on equity (TTM)
10.12%
Valuation
Price to earnings (TTM)
12.76
Price to revenue (TTM)
4.133
Price to book
1.34
Price to tangible book (TTM)
1.37
Dividend yield (TTM)
4.69%
Growth
Revenue change (TTM)
3.07%
3-year revenue growth (CAGR)
9.95%
10-year dividend per share growth (CAGR)
25.34%
What the Analysts think about Unicaja Banco
Analyst ratings (Buy, Hold, Sell) for Unicaja Banco stock.
Analyst projections of the future price of Unicaja Banco stock.
Bulls say / Bears say
Performing loans grew 4.9% year on year, with business lending up 11.4% and consumer lending up 11.9%. Faster loan growth can support future interest income. (Unicaja Banco)
Net profit rose 8.1% in the first nine months, while impairment charges fell 21.6% and the bad-loan ratio improved to 1.8%. That points to stronger earnings and a healthier loan book. (Unicaja Banco)
Unicaja expects to return 95% of 2026 net profit to shareholders, backed by a 15.5% CET1 ratio and a 6.9 percentage-point buffer over regulatory requirements. This offers a large expected payout while capital remains strong. (Unicaja Banco)
Operating costs rose 4.9% in the first nine months, faster than gross margin growth of 3.5%, and the efficiency ratio was 46%. Continued spending could limit how much revenue growth reaches profits. (Unicaja Banco, Renta 4)
Net commissions grew only 1.3% over nine months, and fees fell in the third quarter as loyalty offers weighed on banking charges. That makes the bank’s shift towards stronger fee income harder to deliver. (Unicaja Banco, Investing.com)
Barclays said Unicaja’s shares looked expensive after their re-rating, trading at 11.6 times forecast 2027 earnings against a sector median of 10.1 times. The valuation leaves less room for upside if earnings growth disappoints. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 3 Nov 2026.
Unicaja Banco Financial Performance
Revenues and expenses
Unicaja Banco Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing Unicaja Banco
AllEURUSDGBP
Fund name | Fund size | €UNI weighting |
|---|---|---|
Invesco EURO STOXX High Dividend Low Volatility£EUHD | €589M | 1.75% |
Xtrackers Spain€XESD | €282M | 0.47% |
iShares EURO STOXX Banks 30-15€EXA1 | €245M | 0.30% |
iShares EURO STOXX Banks 30-15€EXX1 | €2.6B | 0.30% |
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.27% |
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.