Unicaja Banco SA (UNI) AI Stock Analysis

• Market Cap: €4.93B
• Dividend Yield: 5.43%
• Average Volume (3M): 8.96M
• Price to Earnings (P/E): 7.9
• Beta (1Y): 1.02
• Revenue Growth: 0.62%
• EPS Growth: 90.00%
• Country: ES
• Employees: 7,502
• Sector: Financial
• Sector Strength: 84
• Industry: Banks - Regional
• EPS (TTM): 0.24
• Shares Outstanding: 2,571,434,600
• 10 Day Avg. Volume: 7,794,707
• 30 Day Avg. Volume: 8,957,610
• PEG Ratio: 0.82
• Price to Book (P/B): 0.68
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 105.28
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €1.67
• Price Target Upside: -13.67% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 5

Unicaja Banco SA demonstrates strong financial performance with robust revenue and profit growth, supported by a stable balance sheet. The stock's valuation is attractive, with a low P/E ratio and a good dividend yield, suggesting potential for upside. While technical indicators show short-term bearish trends, the long-term outlook remains positive. Maintaining consistent cash flow and improved technical momentum would further enhance the stock's appeal.

Unicaja Banco SA Business Overview & Revenue Model

Company Description

Unicaja Banco SA is a prominent Spanish banking institution that operates primarily within the financial services sector. Founded in 1991 and headquartered in Málaga, Spain, the bank provides a comprehensive range of banking and financial products including retail banking, business banking, asset management, insurance, and investment services. Unicaja Banco focuses on serving individuals, SMEs, and larger corporations, leveraging its extensive network of branches and digital platforms to deliver tailored financial solutions.

How the Company Makes Money

Unicaja Banco generates revenue through a variety of financial services and activities. The bank's primary revenue streams include interest income from loans and other credit facilities extended to individual and corporate clients. Additionally, the bank earns fees and commissions from services such as account management, payment processing, investment advisory, and insurance brokerage. Unicaja Banco also benefits from strategic partnerships and collaborations with financial institutions and service providers to enhance its product offerings and market reach. The bank's earnings are further supported by prudent risk management and diversified investment portfolios, which contribute to non-interest income through trading and investment activities.

Unicaja Banco SA Financial Statement Overview

Summary

Unicaja Banco SA exhibits strong revenue and profit growth, supported by a stable balance sheet with effective capital management. Despite some volatility in cash flow operations, the bank shows resilience and maintains financial stability. Overall, the financial statements reflect a positive outlook with areas for improvement in cash flow consistency.

Income Statement

Unicaja Banco SA has demonstrated robust revenue growth over the years, with a significant increase from 2020 to 2024. The net profit margin has improved, reflecting enhanced profitability. However, the absence of EBIT and EBITDA margin data for 2024 limits a comprehensive margin analysis. Overall, the income statement shows a positive growth trajectory with solid profitability enhancements.

Balance Sheet

The bank maintains a strong equity base with a healthy equity ratio, indicating financial stability. The debt-to-equity ratio has improved due to the reduction in total debt over time, showcasing effective debt management. Return on equity has been positive, though slightly fluctuating. The balance sheet reflects a stable financial position with effective risk management strategies.

Cash Flow

Cash flow from operations has been volatile, with significant fluctuations noted over the years. The free cash flow has shown improvements recently; however, the operating cash flow to net income ratio has been inconsistent. While the bank has managed to maintain positive free cash flow in recent years, the volatility in operational cash flow indicates potential liquidity management challenges.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
2.30B	2.13B	1.98B	1.75B	1.25B	1.03B
	Gross Profit
2.30B	2.15B	2.01B	1.75B	1.25B	1.03B
	EBIT
365.86M	843.70M	369.13M	563.60M	1.02B	99.10M
	EBITDA
381.00M	0.00	354.92M	392.94M	1.05B	113.65M
	Net Income Common Stockholders
413.00M	573.33M	266.70M	277.58M	1.11B	77.83M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
12.26B	8.50B	10.33B	4.66B	21.30B	6.67B
	Total Assets
105.13B	97.37B	97.15B	99.00B	115.55B	65.54B
	Total Debt
3.86B	4.81B	4.24B	4.48B	3.08B	751.69M
	Net Debt
-8.40B	-2.69B	-8.04B	-183.00M	-18.22B	-5.92B
	Total Liabilities
3.86B	90.63B	90.51B	92.54B	109.22B	61.54B
	Stockholders Equity
6.33B	6.74B	6.64B	6.46B	6.33B	4.00B
Cash Flow		Free Cash Flow
92.00M	-406.55M	2.77B	-17.41B	13.93B	1.99B
	Operating Cash Flow
92.00M	-355.53M	2.83B	-17.35B	13.96B	2.03B
	Investing Cash Flow
0.00	234.08M	375.22M	343.38M	195.29M	103.17M
	Financing Cash Flow
0.00	-416.81M	168.97M	367.30M	476.42M	-22.70M

Unicaja Banco SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.93
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:UNI, the sentiment is Positive. The current price of 1.93 is above the 20-day moving average (MA) of 1.71, above the 50-day MA of 1.66, and above the 200-day MA of 1.30, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 76.92 is Negative, neither overbought nor oversold. The STOCH value of 97.16 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ES:UNI.

Unicaja Banco SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SAN	80 Outperform	£104.31B	7.97	13.26%	2.50%	1.26%	20.56%
BBVA	76 Outperform	€77.04B	7.42	19.33%	4.26%	20.72%	27.50%
CABK	72 Outperform	€53.73B	8.53	17.33%	4.74%	12.50%	24.07%
UNI	71 Outperform	€4.93B	7.89	9.23%	5.43%	0.62%	90.00%
BKT	71 Outperform	€10.23B	10.01	17.81%	3.80%	8.08%	18.75%
Sector *	64 Neutral	$12.83B	9.83	7.64%	16985.66%	12.34%	-5.73%

Unicaja Banco SA Corporate Events

Unicaja Banco Reports 43% Profit Increase in Q1 2025

Unicaja Banco SA reported a significant 43% increase in net profit for the first quarter of 2025, reaching 158 million euros. The growth is attributed to a robust interest margin, increased net commissions, and improved efficiency ratios. The bank’s focus on consumer and corporate credit, as well as a reduction in non-productive assets, has strengthened its market position. Additionally, the bank’s solvency and liquidity remain strong, with high capital ratios and liquidity coverage.

Unicaja Banco Announces Dividend Payment Schedule

Unicaja Banco SA has announced the payment of a complementary dividend, following the agreement made at the Ordinary General Meeting of Shareholders on April 9, 2025. The payment will be executed on April 24, 2025, with relevant dates for trading and record purposes outlined, and payments processed through IBERCLEAR.

Unicaja Banco Approves Key Proposals at Shareholders’ Meeting

Unicaja Banco S.A. has successfully conducted its Ordinary General Shareholders’ Meeting, where all proposals by the Board of Directors were approved. This includes the approval of the annual accounts and management report for the fiscal year ending December 31, 2024, as well as the consolidated non-financial information statement and the management of the Board of Directors, reflecting a stable and transparent governance structure.

Unicaja Banco to Announce Q1 2025 Financial Results

Unicaja Banco S.A. announced that it will present its first quarter 2025 financial results on April 28, 2025. The presentation will be accessible via the company’s website, with a live Q&A session for accredited analysts and institutional investors, indicating a transparent approach to stakeholder engagement.

Unicaja Banco Releases 2024 Prudential Information

Unicaja Banco SA has made available its ‘Information with Prudential Relevance’ document for the 2024 fiscal year on its corporate website. This release provides stakeholders with essential economic and financial insights, reinforcing the bank’s commitment to transparency and regulatory compliance.

Unicaja Banco Approves Significant Bondholder Remuneration

Unicaja Banco SA’s Board of Directors has approved a significant remuneration payment to holders of its Perpetual Bonds, Contingently Convertible, amounting to 49,340,987 euros for the period between March 29, 2024, and March 28, 2025. Cecabank, S.A., will act as the Payment Agent Entity, ensuring the distribution of this payment among the bondholders, reflecting Unicaja’s commitment to its financial obligations and potentially impacting its financial standing and stakeholder relations.

Unicaja Banco Announces Strategic Capital Reduction

Unicaja Banco announced a capital reduction of 20,849,752.75 euros by amortizing 83,399,011 own shares, representing 3.14% of its share capital. This move, part of a buyback program, is neutral in terms of equity and solvency levels, indicating a strategic financial adjustment without impacting the bank’s stability.

Unicaja Banco Approves New Directors’ Remuneration Policy

Unicaja Banco, S.A. has approved a new Directors’ Remuneration Policy, effective from 2024 to 2026, aiming to balance risk management with effective company management. The policy outlines remuneration structures for directors, including fixed and variable components, and sets a maximum annual remuneration amount, ensuring alignment with regulatory standards and market practices.

Unicaja Banco Announces 2025 Ordinary General Meeting of Shareholders

Unicaja Banco, S.A. has announced the convening of its Ordinary General Meeting of Shareholders, scheduled to take place on April 9, 2025, with a second call on April 10, if necessary, at its registered office in Málaga. The meeting will address several key agenda items, including the approval of the annual accounts and management report for the fiscal year ended December 31, 2024, the re-election and appointment of directors, and the approval of the board’s management during the fiscal year. The announcement signifies the company’s commitment to transparency and governance, providing stakeholders with an opportunity to engage with the company’s strategic decisions and financial performance.

Unicaja Banco Revises Dividend Policy to Enhance Shareholder Value

Unicaja Banco SA has announced a modification to its dividend policy, aiming to allocate 60% of its consolidated net result annually to dividend payments, contingent upon regulatory and supervisory conditions. This change reflects Unicaja’s commitment to enhancing shareholder value and could potentially strengthen its position in the financial market by attracting more investors.