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
- 7,397
- Headquarters
- Málaga, Spain
- Website
- www.unicajabanco.com
Unicaja Banco Metrics
BasicAdvanced
€8.4B
12.91
€0.25
0.38
€0.15
4.77%
Price and volume
Market cap
€8.4B
Beta
0.38
52-week high
€3.68
52-week low
€2.28
Average daily volume
4.4M
Dividend rate
€0.15
Financial strength
Dividend payout ratio (TTM)
67.44%
Profitability
Net profit margin (TTM)
32.41%
Operating margin (TTM)
50.68%
Effective tax rate (TTM)
29.42%
Revenue per employee (TTM)
€270,000
Management effectiveness
Return on assets (TTM)
0.68%
Return on equity (TTM)
9.55%
Valuation
Price to earnings (TTM)
12.913
Price to revenue (TTM)
4.124
Price to book
1.24
Price to tangible book (TTM)
1.26
Price to free cash flow (TTM)
-17.074
Free cash flow yield (TTM)
-5.86%
Free cash flow per share (TTM)
-0.19
Dividend yield (TTM)
4.77%
Growth
Revenue change (TTM)
2.27%
Earnings per share change (TTM)
6.08%
3-year revenue growth (CAGR)
13.06%
3-year earnings per share growth (CAGR)
39.23%
10-year earnings per share growth (CAGR)
5.80%
3-year dividend per share growth (CAGR)
58.14%
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
After second-quarter profit beat expectations, Unicaja raised its 2026 outlook to mid-single-digit profit growth and low-to-mid-single-digit growth in net interest income. That signals improving earnings momentum, backed by stronger lending. (Reuters)
Credit quality is improving: the bad-loan ratio fell to 1.8% from 2.2% a year earlier, while the cost of risk eased to 0.18%. Lower problem loans could reduce the need for future provisions. (EFE)
Unicaja expects to return 95% of 2026 net profit to shareholders through dividends, including an interim payment 28% higher than last year’s. That offers a sizeable cash-return case for investors. (Unicaja Banco)
Operating costs are rising faster than revenue: first-half gross margin grew 2.5%, while administrative expenses rose 9.4%, leaving pre-provision operating profit up only 0.6%. Continued investment and wage costs could limit profit growth. (El Confidencial)
The outlook remains exposed to volatile interest rates: Reuters reported that recent rate cuts had weighed on Spanish banks’ lending margins, while geopolitical tensions were moving market rates. Unicaja’s management has also declined to give a 2027 margin forecast because of rate uncertainty. (Reuters, EarningsCalls.dev)
Unicaja is growing its mortgage lending amid fierce price competition, while the wider Spanish mortgage market showed signs of slowing. Higher borrowing costs could cool housing demand and make that growth harder to sustain. (elEconomista)
Data summarised monthly by Lightyear AI. Last updated on 7 Oct 2026.
Unicaja Banco Financial Performance
Revenues and expenses
Unicaja Banco Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing Unicaja Banco
AllEURGBPUSD
Fund name | Fund size | €UNI weighting |
|---|---|---|
Xtrackers Spain€XESD | €269M | 0.46% |
iShares EURO STOXX Banks 30-15€EXA1 | €257M | 0.29% |
iShares EURO STOXX Banks 30-15€EXX1 | €2.6B | 0.29% |
Xtrackers MSCI Europe Small Cap€DX2J | €3.2B | 0.27% |
Xtrackers MSCI Europe Small Cap£XXSC | £2.8B | 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.