Unicaja Banco SA (UNI)

Currency in EUR
3.537
+0.011(+0.31%)
Real-time Data·
High dividend Yield
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Fair Value
Day's Range
3.4863.538
52 wk Range
2.2183.550
Key Statistics
Prev. Close
3.526
Open
3.536
Day's Range
3.486-3.538
52 wk Range
2.218-3.55
Volume
2.31M
Average Volume (3m)
4.01M
1-Year Change
48.3655%
Book Value / Share
2.63
Fair Value
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Fair Value Upside
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UNI Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
3.064
Downside
-13.37%
Members' Sentiments
Bearish
Bullish
ProTips
Has raised its dividend for 6 consecutive years

Unicaja Banco SA News & Analysis

Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Strong Buy

Analyst Ratings

2 Buy
5 Hold
11 Sell
Ratings:
18 analysts
Overall Consensus
Sell

Analysts 12-Month Price Target:

Average 3.064
(-13.37% Downside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Citi
Hold3.25-8.11%2.98MaintainAug 10, 2026
Deutsche Bank
Hold3.25-8.11%2.90MaintainAug 06, 2026
UBS
Hold3.30-6.70%3.15MaintainAug 03, 2026
Barclays
Sell3.20-9.53%3.10MaintainAug 03, 2026
BofA Securities
Sell3.00-15.18%-DowngradeJul 15, 2026

Unicaja Banco SA Earnings Call Summary for Q2/2026

  • Unicaja Bank reported H1 2026 net income of EUR 361M, up 7% YoY; Q2 profit surged 25% QoQ to EUR 201M, driven by revenue growth and lower provisions.
  • NPL ratio fell to record low of 1.8%; cost-of-risk guidance improved to 20-25 bps for 2026 from initial estimate below 30 bps, reflecting stronger credit quality.
  • Bank announced 95% cash dividend payout of 2026 earnings, including EUR 217M interim dividend in September; no share buybacks planned for 2026.
  • CET1 ratio stands at 15.8% with adjusted ROTE of 16%; efficiency ratio of 46% beats 50% target as digital transformation and AI investments continue.
  • Management expects mid-single-digit net profit growth in 2026 with NII rising low-to-mid single digits; loan repricing provides 40 bps front-book yield advantage.
Last Updated: 2026-07-31, 04:22 a/m
Read Full Transcript

Earnings

Latest Release
Jul 30, 2026
EPS / Forecast
0.08 / 0.07
Revenue / Forecast
564M / 550.86M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 0.25%
Dividend Yield
4.39%
Industry Median 3.35%
Annualized payout
0.15
Paid annually
5-Years Growth
+73.94%
Growth Streak

UNI Income Statement

Compare UNI to Peers and Sector

Metrics to compare
UNI
Peers
Sector
Relationship
P/E Ratio
0.0x14.0x10.1x
PEG Ratio
0.000.150.03
Price/Book
0.0x1.6x1.0x
Price / LTM Sales
0.0x4.0x2.9x
Upside (Analyst Target)
0.0%−0.9%13.2%
Fair Value Upside
Unlock−2.1%2.4%Unlock

Unicaja Banco, S.A. engages in the retail banking business in Spain. The company offers current, savings, young person, and payment accounts; term deposits; debit, business, and credit cards; mortgages; study, eco-mobility, mobility vehicle, reform, and home loans; and home, car, health, accident, funeral, company and agro uni, company health, SME and retail damage, corporate liability, agricultural, and life insurance products. It also provides pension plans; investment funds; bill and tax payment, and collection management services; payments; POS products; short-term and medium/long-term financing; ATM, foreign trade facility, and currency management and exchange services; and private and personal banking services, as well as digital and mobile banking services. The company was founded in 1991 and is headquartered in Málaga, Spain.

Sector
Financial
Employees
7397
Market
Spain

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
298.07M11.60%1.05B
Other Institutional Investors
1.95B75.94%6.90B
Public Companies & Retail Investors
319.99M12.45%1.13B
Total
2.57B100.00%9.09B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
Fundación Bancaria Unicaja31.22%802,236,2222,838,312
SANTA LUCIA ASSET MANAGEMENT, SGIIC, S.A9.99%256,710,149908,241

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FAQ

What Is the Unicaja Banco (UNI) Stock Price Today?

The Unicaja Banco stock price today is 3.537 EUR.

What Stock Exchange Does Unicaja Banco Trade On?

Unicaja Banco is listed and trades on the Madrid Stock Exchange.

What Is the Stock Symbol for Unicaja Banco?

The stock symbol for Unicaja Banco is "UNI."

Does Unicaja Banco Pay Dividends? What’s The Current Dividend Yield?

The Unicaja Banco dividend yield is 4.39%.

What Is the Unicaja Banco Market Cap?

As of today, Unicaja Banco market cap is 9.090B EUR.

What Is Unicaja Banco's Earnings Per Share (TTM)?

The Unicaja Banco EPS (TTM) is 0.251.

When Is the Next Unicaja Banco Earnings Date?

Unicaja Banco will release its next earnings report on Nov 04, 2026.

From a Technical Analysis Perspective, Is UNI a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Unicaja Banco Stock Split?

Unicaja Banco has split 0 times.

How Many Employees Does Unicaja Banco Have?

Unicaja Banco has 7397 employees.

What is the current trading status of Unicaja Banco (UNI)?

As of Aug 12, 2026, Unicaja Banco (UNI) is trading at a price of 3.537 EUR, with a previous close of 3.526 EUR. The stock has fluctuated within a day range of 3.486 EUR to 3.538 EUR, while its 52-week range spans from 2.218 EUR to 3.550 EUR.

What Is Unicaja Banco (UNI) Price Target According to Analysts?

The average 12-month price target for Unicaja Banco is 3.064 EUR, with a high estimate of 3.6 EUR and a low estimate of 2.6 EUR. 2 analysts recommend buying the stock, while 11 suggest selling, leading to an overall rating of Sell. The stock has an -13.37% Downside potential.
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