Unicaja stock: fundamental analysis
Stocks · UNI · Financial Services
Unicaja Banco, S.A. engages in the retail banking business in Spain. Below are its fundamentals, explained in the order worth reading them: business quality, debt, growth and, last, whether the price is reasonable.
- Price: 3.60 EUR
- Market cap: 9.2B EUR
Data as of September 18, 2026 · Yahoo Finance
Quick read
Business quality
ROE of 9.6%: a decent return, not an exceptional one. Out of every 100 in sales, 32.4 end up as profit.
Financial health
For banks and insurers, debt is part of the business, so ratios such as net debt/EBITDA do not apply. Their strength is measured by capital (CET1 ratio) and bad loans, reported in their quarterly results.
Growth
Revenue is growing 8.3% year on year: a solid pace. Earnings are up 11.7%.
Valuation
It trades at a P/E of 14.4, in line with the 14.4 median of the financial services companies we track.
Dividend
Dividend yield of 5.2% (0.19 EUR per share per year) with a payout ratio of 68.5%.
Tools
All metrics
| Unicaja | Sector median | |
|---|---|---|
| Business quality | ||
| ROE | 9.6% | 17.4% |
| ROA | 0.7% | 1.4% |
| Gross margin | — | 64.0% |
| Operating margin | 59.1% | 57.4% |
| Net margin | 32.4% | 34.9% |
| Financial health | ||
| Net debt/EBITDA | — | — |
| Debt/equity | — | 0.5x |
| Current ratio | — | 2.0x |
| Growth | ||
| Revenue growth | 8.3% | 13.4% |
| Earnings growth | 11.7% | 12.8% |
| Valuation | ||
| P/E ratio | 14.4x | 14.4x |
| Forward P/E | 13.0x | 11.9x |
| EV/EBITDA | — | — |
| Price/book | 1.3x | 2.2x |
| FCF yield | — | 3.4% |
| Dividend | ||
| Dividend yield | 5.2% | 3.8% |
| Payout ratio | 68.5% | 47.5% |
| Beta (volatility) | 0.4x | 0.6x |
Frequently asked questions
What is Unicaja's P/E ratio?
Unicaja's P/E is 14.4 based on trailing 12-month earnings and 13.0 on expected earnings. The median for its sector among the companies we track is 14.4. Data as of September 18, 2026.
What dividend does Unicaja pay?
Dividend yield of 5.2% (0.19 EUR per share per year) with a payout ratio of 68.5%.
Is Unicaja stock expensive?
It trades at a P/E of 14.4, in line with the 14.4 median of the financial services companies we track. This is an educational reading based on ratios, not a buy or sell recommendation.
Does Unicaja have a lot of debt?
For banks and insurers, debt is part of the business, so ratios such as net debt/EBITDA do not apply. Their strength is measured by capital (CET1 ratio) and bad loans, reported in their quarterly results.
What is Unicaja's market cap?
Unicaja has a market cap of 9.2B EUR and its shares trade at 3.60 EUR, with a 52-week range of 2.22 EUR to 3.69 EUR (data as of September 18, 2026).
Other companies in the sector
Trailing 12-month metrics. Educational content, not investment advice.