Unicaja Banco, S.A. UNI.MC
Financial Services · Banks - Regional · Spain · IBEX 35
Based on the available data, Unicaja Banco, S.A. gets an algorithmic score of 61/100. It trades at 3.57 €, with a bullish technical trend (RSI 54.6) and 24.5% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (32.4%): pricing power / competitive advantage.
- Meaningful dividend (5.38%).
Weaknesses
- Negative free cash flow.
Fundamentals
| P/E | 14.26 |
| Forward P/E | 12.92 |
| P/B | 1.30 |
| P/S | 4.52 |
| ROE % | 9.55 |
| ROA % | 0.68 |
| Gross margin % | 0.00 |
| Operating margin % | 59.09 |
| Net margin % | 32.41 |
| Revenue growth % (y/y) | 8.30 |
| Earnings growth % (y/y) | 11.70 |
| Revenue CAGR % | 6.37 |
| Earnings CAGR % | 31.58 |
| FCF yield % | -16.69 |
| Dividend yield % | 5.38 |
| Payout % | 68.51 |
Returns
| 1 month | +2.4 % |
| 3 months | +13.2 % |
| 6 months | +47.3 % |
| YTD | +33.9 % |
| 1 year | +63.1 % |
| 3 years | +330.4 % |
| 5 years | +435.8 % |
Risk
| 1-year volatility | 24.5 % |
| Beta | 1.17 |
| 5-year max drawdown | -30.0 % |
| Sharpe 1A | 1.96 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a Spanish company, it depends on ECB policy, the Spanish risk premium, the eurozone cycle and, if it operates in Latin America, on emerging-market currencies (BRL, MXN).
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.