Unicaja Banco, S.A. UNI.MC
Composite 62/100; the shares have moved about 24% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 42/100 — a slight mark against it.
Momentum ranks 92/100 — a strong point in its favour. Income ranks 91/100 — a strong point in its favour. Valuation ranks 71/100 — a moderate point in its favour.
Balance-sheet strength ranks 42/100 — a slight mark against it. Growth ranks 43/100 — a slight mark against it.
What the company does Unicaja Banco is a Spanish regional bank offering retail and SME banking, insurance, and investment products. It operates through digital and physical channels, focusing on mortgages, loans, and insurance.
Key financials ROE is 9%, ROA 1%, and net margin 32%. Revenue grew 2% and EPS 5% year-over-year. Dividend payout is 57%, but yield is 0%.
Stock health Momentum is strong: +53% over 12 months, +17% over 6 months. RSI(14) is 48, indicating neutral momentum. Sideravia scores valuation at the 77th percentile but quality at the 54th.
Price vs fair value The stock trades at a **DISCOUNT of 111%** to our fair-value estimate of 6.70 and a **PREMIUM of 8%** to the 12-month target of 2.94. - Valuation percentile 77/100 (Sideravia) - Forward P/E of 5.81 vs trailing 13.32 (Valuation) - Net margin 32% (Key financials) - 12-month return 53% (Momentum)
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.