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Unicaja Banco SA (UNJCF)
OTHER OTC:UNJCF
Earnings Data
Report Date
Feb 03, 2026TBA (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.07Last Year’s EPS
0.06Same Quarter Last Year
Moderate Sell
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflects a strong performance with significant growth in mutual funds, profitability, and credit quality improvements, alongside strategic achievements in sustainable finance. However, challenges remain in net interest income, customer spreads, and specific loan segments. The overall sentiment is positive due to the outweighing highlights.Company Guidance
Strong Growth in Mutual Funds
Business volumes improved by 2% year-on-year, with a significant 24% growth in mutual funds, achieving a 9% market share in net inflows.
Profitability and Net Income Achievement
Gross margin grew by 4%, total provisions fell 19%, and net profit reached EUR 503 million, 11.5% above the first 9 months of 2024, surpassing the strategic plan target.
Improved Credit Quality and Solvency
Net NPAs ratio below 1%, gross NPA ratio decreased by 115 basis points to 3.7%, and CET1 improved by 27 basis points to 16.1%.
Sustainability and Climate Transition Progress
Issued EUR 2.1 billion in green label bonds, saving 81,000 tonnes of CO2 in 2024, with significant decarbonization targets covered in the finance portfolio.
Positive Commercial Trends in Loans
Private sector lending grew 39% year-on-year, with a 47% increase in business and self-employed segments and a 24% growth in mortgages.
Improved Guidance for 2025
Upgraded net interest income guidance to above EUR 1.470 billion and cost of risk guidance to below 30 basis points for the full year.
UNJCF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
UNJCF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 31, 2025 | $2.71 | $2.70 | -0.37% |
Jul 29, 2025 | $2.39 | $2.60 | +8.79% |
Apr 28, 2025 | $1.88 | $1.93 | +2.66% |
Feb 04, 2025 | $1.34 | $1.41 | +5.22% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Unicaja Banco SA (UNJCF) report earnings?
Unicaja Banco SA (UNJCF) is schdueled to report earning on Feb 03, 2026, TBA (Confirmed).
What is Unicaja Banco SA (UNJCF) earnings time?
Unicaja Banco SA (UNJCF) earnings time is at Feb 03, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is UNJCF EPS forecast?
UNJCF EPS forecast for the fiscal quarter 2025 (Q4) is 0.07.