Unicaja Banco SA stock analysis
Unicaja Banco SA (0RR7) Share Price & Analysis
0RR7 Stock Chart & Stats
- Day’s Range
- EUR 3.42 - EUR 3.47
- 52-Week Range
- EUR 2.35 - EUR 3.75
- Previous Close
- EUR 3.46
- Volume
- N/A
- Average Volume (3M)
- 582.91K
- Market Cap
- EUR 8.87B
- Enterprise Value
- EUR 16.55B
- Total Cash (Recent Filing)
- EUR 1.88B
- Total Debt (Recent Filing)
- EUR 9.31B
- Price to Earnings (P/E)
- 13.2
- Beta
- 0.97
- Next Earnings
- Feb 02, 2027 (Est.)
- EPS Estimate
- 0.06
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 7.57%
Bulls Say, Bears Say
Bulls Say
Improving Profitability
Profitability has strengthened materially, with net income and operating margins improving through 2025. This gives Unicaja greater internal capacity to build capital, invest in digital and customer capabilities, and absorb moderate pressure while sustaining earnings over the next several quarters.
Improving Asset Quality
Falling non-performing loans, higher coverage, and a contained cost of risk indicate improving credit quality. These trends can reduce future provisioning pressure, protect earnings resilience, and support more predictable capital generation as lending volumes continue to expand.
Diversified Lending And Fee Growth
Growth across corporate and household lending, asset management, and insurance broadens the earnings base beyond traditional interest income. Greater product and segment diversification can strengthen customer relationships and improve revenue resilience across changing banking conditions.
Bears Say
Sharp Leverage Increase
The sharp increase in debt relative to equity reduces balance-sheet flexibility and increases sensitivity to funding and credit conditions. Even with stable equity, higher leverage can constrain future capital allocation and make earnings more vulnerable if financing conditions deteriorate.
Volatile Cash Generation
Large swings in operating and free cash flow make internally generated funding less predictable than reported profit. This volatility can complicate dividend, investment, and capital planning, while weakening the cushion available to manage credit or operating pressures over time.
Persistent Fee And Cost Pressure
The broader rollout of loyalty programs is creating a lasting drag on transactional and banking fees, while strategic investment and personnel costs are rising. Unless growth initiatives offset these pressures, revenue diversification and operating leverage may remain constrained.
Unicaja Banco SA News
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Unicaja Banco SA Stock Smart Score
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Isidro Rubiales Gil
- Employees
- 7,418
- Website
- www.unicajabanco.es
- Address
- Avenida de AndalucIa, 10 y 12, Malaga, 29007, ES
Unicaja Banco SA (0RR7) Earnings & Revenues
0RR7 Company Deck
0RR7 Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Growth accelerated across business volumes, loans, asset management, net income, profitability, and shareholder remuneration, while asset quality, liquidity, and capital remained strong. The principal negatives were the short-term decline in banking fees, 5% cost growth from strategic investments, a quarterly CET1 reduction, lower trading income, and a lower quarterly LCR, but management said 2026 performance remained in line with or above guidance.
View all GB:0RR7 earnings summaries0RR7 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 3 | 6 |
| Technical Analysis | 2 | 3 | 5 |
| Moving Averages | 11 | 0 | 1 |
