Unicaja Banco/€UNI

05:30
09:10
12:45
16:25
20:00
1D1W1MYTD1Y5YMAX

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

Unicaja Banco Metrics

BasicAdvanced
€6.1B
10.17
€0.23
0.71
€0.11
4.55%

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
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Unicaja Banco Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
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.

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