0RR7 Stock Chart & Stats
€3.25
€0.04(1.34%)
At close: 4:00 PM EDT
€3.25
€0.04(1.34%)
Day’s Range― - ―
52-Week Range€2.18 - €3.45
Previous CloseN/A
Volume32.33K
Average Volume (3M)2.07M
Market Cap
€8.55B
Enterprise Value€16.58K
Total Cash (Recent Filing)€4.17B
Total Debt (Recent Filing)€9.13B
Price to Earnings (P/E)13.0
Beta0.98
Next Earnings
Nov 04, 2026EPS Estimate
0.06Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.26
Shares Outstanding2,571,434,600
10 Day Avg. Volume1,529,063
30 Day Avg. Volume2,066,111
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
€2.97Price Target Upside-8.66% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering7
EPS Forecast (FY)0.26
Revenue Forecast (FY)€2.15B
Bulls Say, Bears Say
Bulls Say
Strong Capital & LiquidityA CET1 ratio of 15.8% and LCR above 300% provide a durable buffer against credit and market stress, supporting ongoing lending, regulatory compliance and market access. This strength underpins capacity for organic capital generation, MREL issuance and continued shareholder returns over months.
Improving Credit QualityMaterial reductions in NPLs and higher coverage lower expected credit costs and volatility. Sustained improvement enables a structurally lower cost of risk (guided 20–25 bps), supports steadier earnings, and allows capital redeployment to growth or distributions over the medium term.
Asset-gathering And Fee DiversificationRapid growth in mutual funds and off-balance-sheet assets builds a recurring, fee-generating base less tied to interest margins. Strong net fund inflows indicate client distribution strength, supporting more stable non-interest income and greater revenue resilience amid interest-rate cycles.
Bears Say
Leverage SpikeA sharp rise in total debt increases leverage (debt/equity ~1.42), reducing balance-sheet flexibility and heightening sensitivity to funding costs and market stress. Higher leverage constrains strategic optionality and amplifies earnings volatility from rate or credit shocks over the medium term.
Volatile Cash GenerationOperating and free cash flow swings across years show inconsistent internal funding capacity. This volatility undermines predictability of dividend coverage and self‑funding for investments, forcing reliance on capital markets or debt when internal cash is weak over multi-quarter horizons.
Interest-rate And Deposit SensitivityNII growth depends on the rate path and repricing; deposit mix seasonality and declining time deposits reduce cheap funding. Repricing lags can compress margins if deposit costs rise faster than asset yields, creating structural earnings risk if rates or deposit behavior shift unfavorably.
Unicaja Banco SA News
0RR7 FAQ
What was Unicaja Banco SA’s price range in the past 12 months?
Unicaja Banco SA lowest share price was €2.18 and its highest was €3.45 in the past 12 months.
What is Unicaja Banco SA’s market cap?
Unicaja Banco SA’s market cap is €8.55B.
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 91 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.
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 0.06.
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 GB:0RR7
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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Sell
Average Price Target:
€2.97 (-8.66% Downside)
€2.97 (-8.66% Downside)
Insider Transactions
Sold Shares
Worth $73.8K over
the Last 3 Months
the Last 3 Months
News Sentiment
Bearish
Bullish news 33%
Bearish news 67%
Bearish news 67%
Technicals
SMA
Positive
20 days / 200 days
Momentum
155.83%
12-Months-Change
Fundamentals
Return on Equity
5.42%
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.
0RR7 Company Deck
0RR7 Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominantly positive operational and financial update: revenue and loan production are accelerating, credit quality is improving materially (lower NPLs and higher coverage), capital and liquidity positions are strong (CET1 15.8%, LCR >300%), and shareholder returns were materially increased (95% payout policy, attractive ~9% yield). Short-term headwinds include mid-single-digit cost growth from strategic investments, constrained transactional fee income due to loyalty programs, deposit mix seasonality (time deposits -5%), some accounting/drags from DTAs and occasional volatility in other income. Management retained prudent guidance (NII low-to-mid single digits, fees low single digits, costs mid-single digits, cost of risk 20–25 bps, net profit mid-single digit growth) and emphasized continued execution of the strategic plan and technology investments.View all GB:0RR7 earnings summaries0RR7 Stock 12 Month Forecast
Average Price Target
€2.97
▼(-8.66% Downside)
Technical Analysis
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