Unicaja Banco SA
MAD:UNI

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Unicaja Banco SA Logo
Unicaja Banco SA
MAD:UNI
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Price: 1.234 EUR -0.16% Market Closed
Market Cap: 3.1B EUR
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Intrinsic Value

The intrinsic value of one UNI stock under the Base Case scenario is 2.096 EUR. Compared to the current market price of 1.234 EUR, Unicaja Banco SA is Undervalued by 41%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

UNI Intrinsic Value
2.096 EUR
Undervaluation 41%
Intrinsic Value
Price
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Valuation Backtest
Unicaja Banco SA

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Unicaja Banco SA

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Financials
Annual
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TTM
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TTM

Balance Sheet Decomposition
Unicaja Banco SA

Net Loans 74B
Investments 7.2B
PP&E 1.7B
Intangibles 86m
Other Assets 10.7B
Total Deposits 76.8B
Long Term Debt 4.4B
Other Liabilities 5.5B
Earnings Calls

In the third quarter, Unicaja experienced a remarkable 58% increase in net income, reaching EUR 451 million, driven by an 18% rise in banking margin. Customer funds grew by 3.6% year-on-year, while the non-performing loans (NPL) ratio fell to 2.8%. Total provisions decreased by 32%, and asset quality metrics improved, with NPA coverage rising to 70%. The bank revised its 2024 guidance for net interest income to exceed 10% growth, while expecting fees to decline mid-single digits. With a CET1 ratio at 15.4%, Unicaja demonstrates a solid capital position for future growth.

What is Earnings Call?

Wall St
Price Targets

UNI Price Targets Summary
Unicaja Banco SA

Wall Street analysts forecast UNI stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for UNI is 1.435 EUR with a low forecast of 1.141 EUR and a high forecast of 2.31 EUR.

Lowest
Price Target
1.141 EUR
8% Downside
Average
Price Target
1.435 EUR
16% Upside
Highest
Price Target
2.31 EUR
87% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Safe
0
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Shareholder Yield

Current shareholder yield for UNI is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Highest
Buyback Yield
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Highest

Ownership

UNI Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

Profile

Unicaja Banco SA Logo
Unicaja Banco SA

Country

Spain

Industry

Banking

Market Cap

3.1B EUR

Dividend Yield

3.26%

Description

Unicaja Banco SA engages in providing commercial banking services. The company is headquartered in Malaga, Malaga and currently employs 9,264 full-time employees. The company went IPO on 2017-06-30. The Bank offers services to individual and business customers. Its products and services range includes current and savings accounts, debit and credit cards, consumer and commercial loans, real estate credit, securities brokerage, funds management, leasing, factoring, pension plans, life and non-life insurance, international trade financing, money transfer, as well as treasury, among others. The Bank operates a number of branches in Spain and Morocco. The Bank is controlled by Fundacion Bancaria Unicaja.

Contact

MALAGA
Malaga
Avenida de Andalucia, numeros 10 y 12
www.unicajabanco.es

IPO

2017-06-30

Employees

9 264

Officers

CEO and Deputy MD to Executive Chairman & Director
Mr. Isidro Rubiales Gil
Secretary & Director
Ms. Natalia Sanchez Romero
CFO & Managing Director of Finance
Mr. Pablo González Martín
Managing Director of Operations & Technology
Mr. Severino Jesus Mendez Suarez
Head of Investor Relations
Jaime Hernandez Marcos
Director of Legal Advice & Deputy Secretary
Mr. Vicente Orti Gisbert
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Regulatory Compliance Director
Mr. Galo Juan Sastre Corchado
Managing Director of Human Resources, Talent & Culture
Mr. José Maria De La Vega Butcher
Managing Director of General & Technical Secretariat
Mr. José Manuel Domínguez Martínez
Chief Risk Officer & Director of Global Risk Control
Mr. Cedric Blanchetiere
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See Also

Discover More
What is the Intrinsic Value of one UNI stock?

The intrinsic value of one UNI stock under the Base Case scenario is 2.096 EUR.

Is UNI stock undervalued or overvalued?

Compared to the current market price of 1.234 EUR, Unicaja Banco SA is Undervalued by 41%.

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