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Unicaja Banco SA (ES:UNI)
BME:UNI
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Unicaja Banco SA (UNI) Price & Analysis

35 Followers

UNI Stock Chart & Stats

€3.35
-€0.02(-0.59%)
At close: 4:00 PM EDT
€3.35
-€0.02(-0.59%)

Bulls Say, Bears Say

Bulls Say
Strong Capital And Liquidity BuffersConsistently high regulatory buffers and liquidity ratios provide durable resilience to funding stresses, enable continued lending and dividend policies, and reduce regulatory tail‑risk. These metrics support execution of growth and shareholder remuneration objectives over the medium term.
Sustained Profitability ImprovementMaterial multi‑year profit recovery and expanding operating margins show structural operating leverage and improved underwriting. This durable earnings improvement underpins higher retained earnings, dividend capacity, and supports return targets despite cyclical headwinds.
Growing Fee/AUM Franchise And Digital DistributionRapid AUM and mutual fund fee growth diversifies revenue away from interest margins. Coupled with rising digital sales, this strengthens recurring fee streams and distribution efficiency, reducing sensitivity to NII swings and supporting more stable medium‑term revenue.
Bears Say
Sharply Higher Leverage In 2025A large increase in leverage materially reduces balance‑sheet flexibility and raises sensitivity to funding costs and market stress. If macro or credit conditions worsen, higher debt levels constrain strategic options and amplify capital pressure over the medium term.
Volatile Operating And Free Cash FlowLarge swings in operating and free cash flow indicate inconsistent internal funding generation, complicating planning for lending, buybacks or dividends. This volatility increases reliance on wholesale funding and elevates execution risk for multi‑quarter strategies.
Rising Operating Costs And Customer Acquisition SpendStructural wage inflation, strategic hiring and high upfront deposit acquisition costs raise the bank's fixed cost base. Persistent cost pressure can compress net margins and returns, offsetting revenue gains and limiting upside from improved asset quality.

Unicaja Banco SA News

UNI FAQ

What was Unicaja Banco SA’s price range in the past 12 months?
Unicaja Banco SA lowest stock price was €2.20 and its highest was €3.40 in the past 12 months.
    What is Unicaja Banco SA’s market cap?
    Unicaja Banco SA’s market cap is €8.37B.
      When is Unicaja Banco SA’s upcoming earnings report date?
      Unicaja Banco SA’s upcoming earnings report date is Nov 04, 2026 which is in 94 days.
        How were Unicaja Banco SA’s earnings last quarter?
        Unicaja Banco SA released its earnings results on Jul 31, 2026. The company reported €0.07 earnings per share for the quarter, missing the consensus estimate of €0.072 by -€0.002.
          Is Unicaja Banco SA overvalued?
          According to Wall Street analysts Unicaja Banco SA’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Unicaja Banco SA pay dividends?
            Unicaja Banco SA pays a Semiannually dividend of €0.107 which represents an annual dividend yield of 8.54%. See more information on Unicaja Banco SA dividends here
              What is Unicaja Banco SA’s EPS estimate?
              Unicaja Banco SA’s EPS estimate is 0.06.
                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 €0.07 in its last earnings report, missing expectations of €0.072. Following the earnings report the stock price went up 2.213%.
                    Which hedge fund is a major shareholder of Unicaja Banco SA?
                    Currently, no hedge funds are holding shares in ES:UNI
                    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

                      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.

                      Unicaja Banco SA (UNI) Earnings & Revenues

                      UNI Company Deck

                      UNI Earnings Call

                      Q2 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 ES:UNI earnings summaries

                      UNI Stock 12 Month Forecast

                      Average Price Target

                      €2.90
                      ▼(-13.52% Downside)
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0,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 3</span>\n      ","marker":{"lineColor":"#912767","enabled":true,"symbol":"circle"}},{"y":2.465,"date":1764547200000,"info":" <span style=\"color:#912767\" class=\"mb3 mt2 fonth8_semibold\"> Strong Sell</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 0,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 2</span>\n      ","marker":{"lineColor":"#912767","enabled":true,"symbol":"circle"}},{"y":2.693,"date":1767225600000,"info":" <span style=\"color:#912767\" class=\"mb3 mt2 fonth8_semibold\"> Strong Sell</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 0,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n     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