Unicaja Banco/€UNI
1D1W1MYTD1Y5YMAX
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
€9.3B
14.43
€0.25
0.38
€0.14
3.86%
Price and volume
Market cap
€9.3B
Beta
0.38
52-week high
€3.67
52-week low
€2.23
Average daily volume
3.6M
Dividend rate
€0.14
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)
14.435
Price to revenue (TTM)
4.61
Price to book
1.38
Price to tangible book (TTM)
1.4
Price to free cash flow (TTM)
-19.086
Free cash flow yield (TTM)
-5.24%
Free cash flow per share (TTM)
-0.19
Dividend yield (TTM)
3.86%
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
Unicaja’s Q2 2026 net profit rose 12.2% year-on-year to €201 million, surpassing analyst forecasts of €186 million and underscoring strong earnings momentum. (Reuters)
Net interest income increased 2.1% year-on-year to €382 million in Q2 2026, highlighting resilient core revenue generation despite market volatility. (Reuters)
The bank forecasts mid-single-digit net profit growth for full-year 2026 and expects lending income to rise, driven by a 3.7% year-on-year increase in performing loans in Q2, reflecting confidence in loan growth amid a solid Spanish economy. (Reuters)
Spain’s competition authority opened an antitrust investigation into six banks, including Unicaja, over executives’ public comments on mortgage rates, exposing the bank to potential fines and reputational harm. (Reuters)
Citi kept Unicaja at a neutral rating, noting it trades at approximately 13x expected 2028 earnings—an 8% premium to peer banks—and Bloomberg consensus implies a 14.5% downside, highlighting valuation risk. (Cinco Días)
Unicaja’s CEO stated there are no short- or medium-term conditions in Spain for acquisitions, limiting the bank’s ability to pursue growth through M&A and potentially constraining strategic expansion. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 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 | 0.37% |
iShares EURO STOXX Banks 30-15€EXA1 | €257M | 0.31% |
iShares EURO STOXX Banks 30-15€EXX1 | €2.6B | 0.31% |
Xtrackers MSCI Europe Small Cap€DX2J | €3.2B | 0.29% |
Xtrackers MSCI Europe Small Cap£XXSC | £2.8B | 0.29% |
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.