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Unicaja Banco SA

Unicaja Banco SA

UNI · MC · Financial Services / Banks - Regional

3.45EUR-0.01 (-0.29%)

Price History

Full chart

Market Stats

Previous Close3.46
Open3.46
Day Range3.42 – 3.47
52-Week Range2.21 – 3.65
Volume2.80M
Market Cap8.93B
P/E (TTM)13.36
Forward P/E5.81
EPS0.26
Dividend Yield5.51%
Beta0.37
50-Day Avg3.40
200-Day Avg3.06

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Isidro Rubiales Gil
  • Employees7.42K
  • HeadquartersAvenida de AndalucIa, 10 and 12, Málaga, Spain, 29007, Spain
  • Websitehttps://www.unicajabanco.com

Leadership

  • Mr. Isidro Rubiales GilCEO & Director · b. 1965
  • Mr. Jose Ramon Sanchez SerranoSecretary & Director
  • Mr. Pablo González MartínCFO & Managing Director of Finance · b. 1970
  • Mr. José Maria De La Vega ButcherManaging Director of Technology & Operations
  • Mr. Jaime Hernandez MarcosHead of Investor Relations
  • Mr. Juan S. Medina SerramitjanaManaging Director of People, Organisation & Legal
  • Mr. Jesús Navarro MartinManaging Director of Internal Audit · b. 1975
  • Mr. Cedric BlanchetiereChief Risk Officer & Director of Global Risk Control · b. 1975
  • Mr. Francisco Javier Pérez GavilánManaging Director of Credit Risk & ESG · b. 1971
  • Mr. Severino Jesus Mendez SuarezManaging Director of Transformation

Financials

Income Statement

Currency: EUR2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue110.85B780.21M782.79M811.94M910.61M1.07B1.33B1.73B1.38B1.33B1.28B1.57B2.19B2.26B1.61B1.36B1.31B1.27B1.18B1.37B1.94B2.97B3.28B2.58B
Growth (%)--99.30%+0.33%+3.72%+12.15%+17.08%+24.55%+30.14%-19.99%-3.82%-3.85%+22.51%+40.04%+3.14%-28.82%-15.35%-3.94%-3.19%-6.95%+16.10%+41.96%+52.74%+10.57%-21.43%
Cost of Revenue--------399.28M564.51M557.06M491.20M755.38M592.36M391.19M270.06M204.37M185.11M146.53M122.00M201.60M992.67M1.16B839.00M
Gross Profit--------983.27M765.22M721.50M1.08B1.44B1.67B1.22B1.09B1.11B1.08B1.03B1.25B1.74B1.98B2.13B2.12B
Gross Margin--------71.12%57.55%56.43%68.64%65.56%73.82%75.71%80.19%84.39%85.40%87.58%91.09%89.63%66.57%64.82%82.20%
Operating Expense--------829.10M643.96M1.58B1.03B963.81M1.45B1.03B953.47M899.35M908.66M934.11M226.25M1.36B1.61B1.31B1.22B
Operating Income59.85B440.13M422.99M424.34M487.14M577.97M815.29M858.50M154.17M121.27M-857.33M44.85M474.42M217.03M190.96M139.78M205.88M174.07M99.10M1.02B382.85M370.57M816.28M902.00M
Operating Margin53.99%56.41%54.04%52.26%53.50%54.21%61.40%49.68%11.15%9.12%-67.05%2.86%21.63%9.59%11.86%10.25%15.72%13.73%8.40%74.57%19.69%12.48%24.86%34.96%
EBITDA--------194.20M156.90M-820.15M79.64M518.31M264.40M236.20M182.09M242.95M216.75M149.03M1.09B473.25M461.07M903.13M994.21M
EBITDA Margin--------14.05%11.80%-64.15%5.08%23.63%11.69%14.67%13.36%18.55%17.10%12.63%79.61%24.34%15.53%27.50%38.54%
Net Income--------149.42M105.81M-577.25M54.11M474.52M186.66M142.12M142.38M152.55M172.28M77.83M1.11B277.58M266.70M573.33M632.00M
Net Income Margin--------10.81%7.96%-45.15%3.45%21.63%8.25%8.82%10.44%11.65%13.59%6.60%81.27%14.28%8.98%17.46%24.50%
Interest Expense00000000399.28M564.51M557.06M491.20M755.38M592.36M391.19M270.06M204.37M185.11M146.53M122.00M201.60M992.67M1.16B839.00M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%28.88%42.45%43.57%31.36%34.44%26.18%24.29%19.81%15.61%14.60%12.42%8.91%10.37%33.43%35.18%32.52%

Balance Sheet

Currency: EUR2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.93T13.36B14.78B16.23B19.05B23.01B28.27B34.18B34.19B38.16B40.71B41.26B67.95B60.31B57.24B56.33B57.50B56.71B65.54B115.55B99.00B97.15B97.37B98.43B
Total Liabilities1.77T12.32B13.59B14.87B17.48B20.64B25.35B31.28B31.60B35.61B38.68B39.21B64.66B57.06B54.06B52.43B53.59B52.74B61.54B109.22B92.54B90.51B90.63B91.34B
Total Equity152.80B1.04B1.19B1.36B1.58B2.37B2.92B2.91B2.59B2.54B2.03B2.04B2.97B2.98B2.95B3.87B3.92B3.97B4.00B6.33B6.46B6.64B6.74B6.53B
Cash23.13B141.93M187.78M220.80M206.64M445.98M387.79M267.71M1.18B3.14B2.69B1.91B611.91M1.99B861.71M3.81B4.28B4.56B6.67B21.30B4.66B8.04B7.50B11.82B
Total Debt--------4.16B4.22B3.33B2.59B2.53B1.89B1.41B601.48M425.90M744.03M4.07B7.25B4.48B5.09B4.81B13.14B
Net Debt--------2.98B1.08B633.14M681.38M1.91B-95.85M547.56M-3.20B-3.85B-3.81B-5.92B-18.22B-183.00M-2.95B-2.69B7.57B

Cash Flow

Currency: EUR2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-362.33M3.43B5.03B-639.68M-2.70B-4.99B4.35B1.12B464.78M-222.76M2.03B13.96B-17.35B2.83B-355.53M224.20M
Investing Cash Flow-220.34M-2.49B-5.24B2.18B1.51B5.99B-5.43B1.74B43.03M283.92M103.17M195.29M343.38M375.22M234.08M-2.54B
Financing Cash Flow-19.68M-233.64M29.25M-113.41M-74.10M-56.15M-46.18M88.89M-34.60M218.06M-22.70M476.42M367.30M168.97M-416.81M578.12M
Capital Expenditure6.77M794.38M27.89M13.41M3.88M144.74M24.14M24.35M81.49M27.19M40.49M31.53M64.80M68.74M51.02M57.00M
Free Cash Flow-369.10M2.63B5.00B-653.10M-2.70B-5.13B4.35B1.09B383.29M-249.95M1.99B13.93B-17.41B2.77B-406.55M167.19M
Dividends Paid---17.93M17.93M25.00M38.75M23.85M34.60M61.02M8.85B16.91M67.34M128.58M286.16M358.47M
FCF to OCF101.87%76.82%99.45%102.10%100.14%102.90%100.00%97.82%82.47%112.21%98.00%99.77%100.37%97.57%114.35%74.57%
Dividend Paid to FCF----2.75%-0.66%-0.49%0.89%2.18%9.03%-24.41%445.21%0.12%-0.39%4.65%-70.39%214.40%

Earnings

Report DateAug 7, 2017Oct 31, 2017Feb 6, 2018May 16, 2018Jul 30, 2018Oct 29, 2018Feb 4, 2019May 1, 2019Jul 30, 2019Oct 28, 2019Feb 4, 2020Jun 2, 2020Aug 3, 2020Nov 3, 2020Feb 2, 2021May 5, 2021Jul 27, 2021Nov 3, 2021Feb 2, 2022Apr 26, 2022Aug 1, 2022Oct 26, 2022Jan 31, 2023Apr 27, 2023Jul 26, 2023Oct 29, 2023Feb 6, 2024Apr 28, 2024Jul 29, 2024Oct 30, 2024Feb 4, 2025Apr 27, 2025Jul 29, 2025Oct 31, 2025Feb 2, 2026May 4, 2026Jul 31, 2026Oct 29, 2026Oct 30, 2026Feb 2, 2027
EPS Estimate-0.020.000.030.040.030.010.030.050.030.030.030.010.030.010.020.030.04-0.090.08-0.030.040.030.030.050.060.020.030.070.060.060.040.070.060.060.060.070.060.060.06
EPS Actual0.020.020.010.040.030.020.010.030.070.02-0.010.030.010.010.000.030.010.02-0.510.020.030.10-0.000.010.040.05-0.010.040.070.060.050.060.070.060.050.060.080.07--
Surprise-0.00%-33.33%-25.00%-33.33%0.00%0.00%40.00%-33.33%-133.33%0.00%0.00%-66.67%-100.00%50.00%-66.67%-50.00%-466.67%-75.00%200.00%150.00%-101.67%-66.67%-20.00%-16.67%-135.00%33.33%0.00%0.00%-16.67%50.00%0.00%0.00%-16.67%0.00%14.29%16.67%--
TimingPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap8.93B
Enterprise Value9.69B
Trailing P/E13.36
Forward P/E5.81
Price / Sales4.36
Price / Book1.41
EPS0.26
Book Value2.47
Revenue (TTM)2.05B
Gross Profit (TTM)2.05B
Profit Margin32.80%
Operating Margin51.00%
Return on Equity10.12%
Return on Assets0.70%
Shares Outstanding2.57B
Shares Float1.12B
Beta0.37
Dividend Yield5.51%
Dividend Rate0.19
Payout Ratio73.45%

Dividends

20262×
0.08Sep 22, 20260.11Apr 21, 2026
20252×
0.07Sep 23, 20250.07Apr 22, 2025
20242×
0.06Dec 17, 20240.05Apr 17, 2024
20231×
0.05Apr 12, 2023
20221×
0.03Apr 6, 2022
20212×
0.00Sep 15, 20210.01Apr 14, 2021
20191×
0.04May 8, 2019
20181×
0.02May 8, 2018