Unicaja Banco SA (DE:7UB)
FRANKFURT:7UB
7UB Stock Chart & Stats
€2.83
€0.02(1.59%)
At close: 4:00 PM EST
€2.83
€0.02(1.59%)
Day’s Range― - ―
52-Week Range€1.90 - €3.19
Previous CloseN/A
Volume0.00
Average Volume (3M)330.00
Market Cap
€7.95B
Enterprise Value€11.25B
Total Cash (Recent Filing)€6.49B
Total Debt (Recent Filing)€4.63B
Price to Earnings (P/E)12.5
Beta0.78
Next Earnings
Jul 31, 2026EPS Estimate
0.07Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.24
Shares Outstanding2,571,434,600
10 Day Avg. Volume250
30 Day Avg. Volume330
Financial Highlights & Ratios
PEG Ratio1.27
Price to Book (P/B)1.09
Price to Sales (P/S)2.77
P/FCF Ratio42.73
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€2.81Price Target Upside-0.77% Downside
Rating ConsensusHold
Number of Analyst Covering6
EPS Forecast (FY)0.25
Revenue Forecast (FY)€2.15B
Bulls Say, Bears Say
Bulls Say
Improving Profitability And MarginsSustained improvement in net income and margins shows the core banking franchise is generating stronger earnings power. This enhances ability to fund dividends, retain capital and invest in growth initiatives, supporting long‑term ROE and resilience versus peers.
Strong Capital And Liquidity BuffersRobust CET1, large MREL and very high liquidity ratios materially reduce funding and regulatory risk. These buffers increase strategic optionality for lending and shareholder distributions and lower the likelihood of forced deleveraging in stress scenarios.
Diversifying Fee Income Via Mutual Funds/AUM GrowthRapid mutual fund/AUM growth and higher fees increase non‑interest income share, reducing reliance on NII cycles. Scalable digital distribution and recurring asset management fees improve revenue stability and customer stickiness over the medium term.
Bears Say
Marked Increase In LeverageA sharp rise in debt materially increases balance‑sheet sensitivity to funding costs and credit stress. Higher leverage constrains flexibility for organic growth or shocks, raises refinancing risk, and can magnify earnings volatility if margins compress.
Inconsistent Cash GenerationVolatile operating and free cash flow makes internal funding of lending, dividends and investments unpredictable. This elevates reliance on wholesale or deposit funding and forces conservative capital buffers, limiting long‑term reinvestment flexibility.
Rising Operating Costs And Customer Acquisition SpendSustained wage inflation, new hires and upfront customer acquisition elevate structural operating expenses. If revenue growth slows, higher fixed costs compress margins and force either further cost cuts or higher returns requirements to sustain profitability.
Unicaja Banco SA News
7UB FAQ
What was Unicaja Banco SA’s price range in the past 12 months?
Unicaja Banco SA lowest stock price was €1.90 and its highest was €3.19 in the past 12 months.
What is Unicaja Banco SA’s market cap?
Unicaja Banco SA’s market cap is €7.95B.
When is Unicaja Banco SA’s upcoming earnings report date?
Unicaja Banco SA’s upcoming earnings report date is Jul 31, 2026 which is in 34 days.
How were Unicaja Banco SA’s earnings last quarter?
Unicaja Banco SA released its earnings results on May 05, 2026. The company reported €0.06 earnings per share for the quarter, missing the consensus estimate of €0.061 by -€0.001.
Is Unicaja Banco SA overvalued?
According to Wall Street analysts Unicaja Banco SA’s price is currently Overvalued.
Does Unicaja Banco SA pay dividends?
Unicaja Banco SA does not currently pay dividends.
What is Unicaja Banco SA’s EPS estimate?
Unicaja Banco SA’s EPS estimate is 0.07.
How many shares outstanding does Unicaja Banco SA have?
Unicaja Banco SA has 2,571,434,600 shares outstanding.
What happened to Unicaja Banco SA’s price movement after its last earnings report?
Unicaja Banco SA reported an EPS of €0.06 in its last earnings report, missing expectations of €0.061. Following the earnings report the stock price went up 1.828%.
Which hedge fund is a major shareholder of Unicaja Banco SA?
Currently, no hedge funds are holding shares in DE:7UB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Unicaja Banco SA Stock Smart Score
Underperform
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
€2.81 (-0.77% Downside)
€2.81 (-0.77% Downside)
Insider Transactions
Sold Shares
Worth €33.8K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
158.07%
12-Months-Change
Fundamentals
Return on Equity
9.05%
Trailing 12-Months
Asset Growth
9.30%
Trailing 12-Months
Company Description
Unicaja Banco SA
Unicaja Banco, S.A. is a prominent financial institution delivering a broad spectrum of banking products and services to individuals and corporate clients across Spain and internationally. Its extensive offerings include current accounts, payment facilities, and various debit and credit cards. The bank provides diverse lending solutions like mortgages and personal loans, alongside a suite of savings and investment products such as deposit accounts, stock market access, pension schemes, investment funds, tailored portfolios, and savings-linked insurance. Furthermore, it offers a wide array of insurance policies, encompassing life, home, car, accident, health, agricultural, SME and retail damage, and corporate liability coverage. For businesses, Unicaja Banco provides cash management, both short and long-term financing, and specialized investment services, all complemented by convenient remote and mobile banking platforms. Beyond traditional banking, the company is involved in property development and renewable energy initiatives, and it strategically invests in assets, securities, and other financial companies. As of December 31, 2021, Unicaja Banco operated a substantial network of 1,368 branches throughout Spain and maintained a correspondent office in the United Kingdom. Founded in 1991, its headquarters are located in Málaga, Spain.
7UB Company Deck
7UB Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed broadly positive momentum: commercial growth, strong mutual fund and digital sales, improving asset quality, robust capital/liquidity metrics, and modest YoY profit growth. Management acknowledged cost pressures (wage inflation, hiring, customer acquisition costs), short‑term NII drag due to day‑count/volume effects and repo balances, and higher uncertainty from geopolitical risks, but reaffirmed guidance and signaled cautious optimism supported by conservative provisioning and plans to increase shareholder remuneration.View all DE:7UB earnings summaries7UB Stock 12 Month Forecast
Average Price Target
€2.81
▼(-0.77% Downside)
Technical Analysis
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Options Prices
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