Unicaja Banco SA is a financial institution. The company is engaged in financing activities that provide banking services to business and self-employed people. Its product categories include accounts and cards; mortgaged and loans; savings and investment; insurances and services. Geographically, it derives revenue from Spain.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.85
Equity-to-Asset	0.07
Debt-to-Equity	0.64
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.54	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	4.5
	3-Year EPS without NRI Growth Rate	58.4
	3-Year FCF Growth Rate	-6.1
	3-Year Book Growth Rate	-0.4
	Future 3-5Y Total Revenue Growth Rate	-2.41

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	45.52
	9-Day RSI	48.78
	14-Day RSI	52.14
	6-1 Month Momentum %	-3.89
	12-1 Month Momentum %	37.88

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	8.72
	Dividend Payout Ratio	0.3
	Forward Dividend Yield %	8.72
	5-Year Yield-on-Cost %	8.76
	3-Year Average Share Buyback Ratio	-18.9
	Shareholder Yield %	-4.48

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	22.1
	FCF Margin %	141.14
	ROE %	6.51
	ROA %	0.45
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.51
	Forward PE Ratio	6.31
	PE Ratio without NRI	7.46
	Shiller PE Ratio	12.14
	Price-to-Owner-Earnings	1.43
	PS Ratio	1.67
	PB Ratio	0.46
	Price-to-Tangible-Book	0.46
	Price-to-Free-Cash-Flow	1.21
	Price-to-Operating-Cash-Flow	1.18
	EV-to-Forward-EBIT	8.37
	EV-to-Revenue	-0.26
	EV-to-Forward-Revenue	4.33
	EV-to-FCF	-0.19
	Price-to-Projected-FCF	0.38
	Price-to-Graham-Number	0.39
	FCF Yield %	85.51
	Forward Rate of Return (Yacktman) %	35.26

Financials (Next Earnings Date:2025-02-06 Est.)

Annual Quarterly TTM

XMAD:UNI's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Unicaja Banco SA Executives

Details

GF Value: €1.32

XMAD:UNI

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with UNI. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	1,959.2
	EPS (TTM) (€)	0.168
	Beta	0.64
	Volatility %	32.02
	14-Day RSI	52.14
	14-Day ATR (€)	0.034712
	20-Day SMA (€)	1.26755
	12-1 Month Momentum %	37.88
	52-Week Range (€)	0.8335 - 1.38
	Shares Outstanding (Mil)	2,568.65

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Unicaja Banco SA Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Unicaja Banco SA Stock Events

Financials Calendars

	Event	Date	Price(€)
No Event Data

Unicaja Banco SA Frequently Asked Questions

What is Unicaja Banco SA(XMAD:UNI)'s stock price today?

The current price of XMAD:UNI is €1.26. The 52 week high of XMAD:UNI is €1.38 and 52 week low is €0.83.

When is next earnings date of Unicaja Banco SA(XMAD:UNI)?

The next earnings date of Unicaja Banco SA(XMAD:UNI) is 2025-02-06 Est..

Does Unicaja Banco SA(XMAD:UNI) pay dividends? If so, how much?

The Dividend Yield % of Unicaja Banco SA(XMAD:UNI) is 8.72% (As of Today), Highest Dividend Payout Ratio of Unicaja Banco SA(XMAD:UNI) was 2.38. The lowest was 0.13. And the median was 0.24. The Forward Dividend Yield % of Unicaja Banco SA(XMAD:UNI) is 8.72%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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