Unicaja (UNI) Stock Price, Fundamentals & Analysis

What UNI does

Unicaja (UNI) is a Spanish retail bank headquartered in Málaga, Spain, and listed on the Bolsa de Madrid. It offers current, savings, and young person accounts; term deposits; debit, business, and credit cards; mortgages; and a range of loans and insurance products. The bank also provides pension plans, investment funds, payment and collection services, foreign exchange, and digital banking. Founded in 1991, it operates primarily in Spain and is part of the Spanish banking landscape alongside peers such as Bankinter (BKT), CaixaBank (CABK), Santander (SAN), Banco Sabadell (SAB), and BBVA (BBVA).

Key numbers explained

• 3.63 EUR is the latest price per share, the amount you would pay for one unit of ownership in the bank.
• +1.57% is today's price change, showing the percentage move relative to the previous close.
• 9.32 mld. EUR is the market capitalization, the total value of all outstanding shares at the current price.
• The trailing P/E ratio of 14.5 compares the current share price to the last 12 months of earnings per share (0.25 EUR); a lower number can suggest the stock is cheaper relative to earnings.
• The forward P/E ratio of 13.1 uses expected future earnings, giving a sense of valuation based on what analysts anticipate.
• The dividend yield of 5.27% shows the annual dividend as a percentage of the share price, indicating the cash return shareholders receive for holding the stock.
• 69% of earnings are paid out as dividends, meaning the bank returns most of its profit to shareholders and retains the rest.
• 0.39 is the beta, a measure of volatility relative to the market; a beta below 1 suggests the stock tends to move less than the broader market.
• The 52-week range of 2.24 – 3.69 EUR shows the lowest and highest prices over the past year, while the 54.7% price change over that period reflects the one-year return.
• 32.4% profit margin means the bank keeps about a third of its revenue as profit after all expenses.
• 59.1% operating margin indicates strong earnings from core banking operations before interest and taxes.
• 9.6% return on equity measures how effectively the bank generates profit from shareholders' invested capital.
• 1.32 is the price-to-book ratio, comparing the share price to the bank's book value per share.

What to watch

• Earnings reports, with the next scheduled for 30 oct. 2026, can move the stock as they update expectations for profit and growth.
• The ex-dividend date of 22 sept. 2026 is the key date for investors seeking the next dividend payment.
• Interest rate changes in Spain and the eurozone can affect bank lending margins and overall profitability.
• Regulatory developments in the Spanish and European banking sectors can influence capital requirements and business conditions.
• Broader economic conditions, such as unemployment and housing market trends, can affect loan demand and credit quality.
• The bank's position among Spanish peers like Bankinter (BKT), CaixaBank (CABK), Santander (SAN), Banco Sabadell (SAB), and BBVA (BBVA) can shape investor sentiment.