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Unicaja Banco, S.A. (UNI.MC)
Málaga, ES
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.22% | -1.96% | -2.66% | +3.68% | +7.38% | -2.66% | +43.17% | +191.59% | +201.34% | +131.28% | +131.28% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 8 | 0 |
| Sell | 6 | 0 |
| Strong Sell | 3 | 0 |
-
Revenue growth-21.4% Q1'26: -10.2% (vs Q1'25)
-
EPS growth+13.6% Q1'26: +2.0% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +31.1% (vs Q1'25)
-
ROIC— Q1'26: +5.5% (vs Q1'25)
-
Share dilution+0.0% Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 10.48× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 13 Rev. Ana. 14 EPS Ana. |
Dec 2027 13 Rev. Ana. 14 EPS Ana. |
Dec 2028 11 Rev. Ana. 10 EPS Ana. |
Dec 2029 5 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.36B
est: 995.68M (+36.9%)
|
1.31B
est: 979.50M (+33.7%)
|
1.27B
est: 967.69M (+31.0%)
|
1.18B
est: 953.52M (+23.7%)
|
1.37B
est: 1.25B (+9.4%)
|
1.94B
est: 1.61B (+21.0%)
|
2.97B
est: 1.61B (+83.9%)
|
3.28B
est: 2.01B (+63.2%)
|
2.58B
est: 2.08B (+24.3%)
|
2.14B
2.04B – 2.18B
+3.1% YoY
|
2.23B
2.10B – 2.28B
+4.0% YoY
|
2.30B
2.30B – 2.30B
+3.4% YoY
|
2.34B
2.22B – 2.39B
+1.8% YoY
|
| EBITDA |
182.10M
est: 317.84M (-42.7%)
|
242.95M
est: 312.67M (-22.3%)
|
216.75M
est: 308.90M (-29.8%)
|
149.03M
est: 304.38M (-51.0%)
|
1.09B
est: 399.73M (+172.8%)
|
473.25M
est: 513.09M (-7.8%)
|
461.07M
est: 599.18M (-23.0%)
|
903.14M
est: 746.26M (+21.0%)
|
994.00M
est: 770.16M (+29.1%)
|
794.38M
758.47M – 808.58M
+3.1% YoY
|
826.54M
778.72M – 846.48M
+4.0% YoY
|
854.47M
853.84M – 855.11M
+3.4% YoY
|
869.65M
824.73M – 887.97M
+1.8% YoY
|
| EBIT |
139.78M
est: 278.80M (-49.9%)
|
205.88M
est: 274.27M (-24.9%)
|
174.08M
est: 270.96M (-35.8%)
|
99.10M
est: 266.99M (-62.9%)
|
1.02B
est: 350.62M (+191.3%)
|
382.85M
est: 450.06M (-14.9%)
|
370.57M
est: 538.00M (-31.1%)
|
816.29M
est: 670.07M (+21.8%)
|
902.00M
est: 691.53M (+30.4%)
|
713.27M
681.04M – 726.03M
+3.1% YoY
|
742.15M
699.21M – 760.06M
+4.0% YoY
|
767.23M
766.66M – 767.80M
+3.4% YoY
|
780.86M
740.53M – 797.31M
+1.8% YoY
|
| Net Income |
142.38M
est: 264.80M (-46.2%)
|
152.55M
est: 253.79M (-39.9%)
|
172.28M
est: 303.03M (-43.1%)
|
77.83M
est: 128.50M (-39.4%)
|
1.11B
est: 124.67M (+792.9%)
|
277.58M
est: 285.30M (-2.7%)
|
266.70M
est: 386.05M (-30.9%)
|
573.33M
est: 552.39M (+3.8%)
|
632.00M
est: 628.51M (+0.6%)
|
649.50M
566.16M – 674.06M
+3.3% YoY
|
671.03M
568.71M – 749.66M
+3.3% YoY
|
700.12M
631.25M – 757.50M
+4.3% YoY
|
719.49M
671.19M – 739.20M
+2.8% YoY
|
| SGA |
86.12M
est: 56.13M (+53.4%)
|
75.22M
est: 55.22M (+36.2%)
|
76.22M
est: 54.55M (+39.7%)
|
73.09M
est: 53.75M (+36.0%)
|
92.05M
est: 70.59M (+30.4%)
|
123.36M
est: 90.61M (+36.1%)
|
141.90M
est: 142.89M (-0.7%)
|
136.19M
est: 177.97M (-23.5%)
|
574.00M
est: 183.67M (+212.5%)
|
189.45M
180.88M – 192.83M
+3.1% YoY
|
197.12M
185.71M – 201.87M
+4.0% YoY
|
203.78M
203.63M – 203.93M
+3.4% YoY
|
207.40M
196.69M – 211.77M
+1.8% YoY
|
| EPS |
0.11
est: 0.10 (+6.7%)
|
0.09
est: 0.10 (-3.9%)
|
0.10
est: 0.12 (-15.2%)
|
0.04
est: 0.05 (-10.4%)
|
0.54
est: 0.05 (+1,012.9%)
|
0.10
est: 0.11 (-10.0%)
|
0.10
est: 0.15 (-36.1%)
|
0.22
est: 0.22 (+0.3%)
|
0.25
est: 0.24 (+3.2%)
|
0.25
0.22 – 0.26
+3.2% YoY
|
0.26
0.22 – 0.29
+5.5% YoY
|
0.27
0.25 – 0.29
+4.1% YoY
|
0.28
0.26 – 0.29
+1.9% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-07 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-15 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Isidro Rubiales Gil | Chief Executive Officer and Deputy MD to Executive Chairman & Director | 618.0K | male |
| Natalia Sanchez Romero | Secretary & Director | 102.0K | female |
| Jaime Hernandez Marcos | Head of Investor Relations | — | male |
| Jesus Ruano Mochales | Managing Director of Corporate Business | — | male |
| Jesús Navarro Martin | Managing Director of Internal Audit | — | male |
| José Maria De La Vega Butcher | Managing Director of Technology & Operations | — | male |
| Juan S. Medina Serramitjana | Managing Director of People, Organisation & Legal | — | male |
| Pablo González Martín | Chief Financial Officer & Managing Director of Finance | — | male |
| Cedric Blanchetiere | Chief Risk Officer & Director of Global Risk Control | — | male |
| Severino Jesus Mendez Suarez | Managing Director of Transformation | — | male |
| Francisco Javier Pérez Gavilán | Managing Director of Credit Risk & ESG | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for UNI.MC
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
