1. Spain Stocks

  2. •

    Finance

  3. •

    Major banks
Unicaja Banco S.A.

Unicaja Banco S.A.

3.68
EUR
+0.08
(+2.28%)
0.26EPS
11.94P/E
8.01BMarket Cap
Oct 30Next Earn
Unicaja Banco S.A.
TG:7UB
(Tradegate Exchange)

Recent

price

3.68

P/E

ratio

11.94

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EUR
1.23
0.96
0.9
1.34
1.61
1.81
1.32
0.86
0.69
0.67
0.65
0.61
0.66
0.74
0.81
0.82
0.83
Revenue per Share
0.19
0.13
-0.72
0.07
0.53
0.2
0.15
0.11
0.09
0.11
0.05
0.55
0.1
0.1
0.22
0.25
0.26
Basic EPS, GAAP
-0.46
3.29
-0.23
-0.82
-3.03
-5.18
4.71
0.87
0.24
-0.16
1.26
6.85
-6.56
1.04
-0.16
-0.6
- -
Free Cash Flow per Basic Share
- -
- -
0.03
- -
0.02
0.03
0.04
0.02
0.02
0.04
- -
0.01
0.03
0.05
0.11
0.14
- -
Dividend per Share
3.24
3.18
2.54
2.55
3.37
3.38
1.6
2.42
2.44
2.49
2.54
2.39
2.43
2.51
2.62
2.75
2.63
Book Value per Share
3.18
3.12
2.53
2.55
3.36
3.38
1.6
2.42
2.4
2.45
2.49
2.36
2.4
2.47
2.59
2.71
2.59
Tangible Book Value per Share
800
800
800
800
892
923
923
1,265
1,607
1,605
1,583
2,034
2,653
2,655
2,612
2,569
2,568
Basic Weighted Avg Shares
983
765
721
1,075
1,438
1,670
1,219
1,093
1,105
1,083
1,033
1,248
1,743
1,977
2,128
2,097
2,123
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
40
36
37
35
44
47
45
42
37
43
50
69
90
91
87
92
94
Depreciation Expense
149
106
-577
54
475
187
142
142
153
172
78
1,113
278
267
573
632
671
Net Income, GAAP
3.1
13
- -
- -
10.01
26.37
34.62
0.96
25.91
1.03
21.47
- -
27.5
28.07
29.76
29.74
29.08
Effective Tax Rate (%)
15.2
13.83
-80.01
5.03
32.99
11.18
11.66
13.02
13.8
15.91
7.53
89.22
15.93
13.49
26.94
30.15
31.61
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4,159
4,221
3,326
2,595
2,526
1,895
1,409
601
426
744
752
3,079
4,477
5,090
4,296
4,114
4,674
LT Debt
2,593
2,546
2,031
2,048
3,292
3,256
3,183
3,902
3,918
3,970
4,005
6,326
6,459
6,646
6,740
7,091
6,774
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
1.57
- -
- -
9.59
3.46
3.06
3.22
3.45
3.8
1.64
- -
2.73
2.35
5.04
5.68
5.99
Return on Capital (%)
- -
4.12
-25.26
2.66
18.95
6.28
4.79
4.17
3.92
4.37
1.95
21.55
4.34
4.07
8.57
9.16
9.89
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,568
2,568
2,568
Market Capitalization
7,161
6,580
8,013

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
5,761
11,116
9,015
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.25%
13.91%
5.2%
Free Cash Flow
-96.97%
84.28%
276.24%
Net Income, GAAP
131.81%
275.31%
10.29%
Sales/Revenue/Turnover
3.72%
16.01%
-1.47%
Total Cash Common Dividend
- -
- -
25.27%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
539
510
498
508
2,128
2025
523
540
- -
509
2,097
2026
525
549
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
0.07
0.06
0.05
0.22
2025
0.06
0.07
- -
0.05
0.25
2026
0.06
0.08
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.11
2025
- -
- -
- -
- -
0.14
2026
- -
- -
- -
- -
- -
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Banco Santander, S.A. (BME:SAN)
Business
Unicaja Banco, S.A. Unicaja Banco, S.A. operates as a retail-oriented universal bank in Spain, offering a comprehensive range of financial products and services to individual, small business, SME, and corporate customers, including current, savings, youth, and payment accounts; term deposits; debit, business, and credit cards; personal, consumer, mortgage, study, eco-mobility, commercial, and real estate loans; securities brokerage; pension plans; investment funds; leasing; factoring; life and non-life insurance; asset management; e-banking; trade finance; foreign exchange; international money transfers; treasury services; and digital banking solutions via mobile app. The bank maintains a nationwide network of approximately 1,000 branches and 2,500 ATMs, primarily concentrated in six autonomous communities—Andalusia, Asturias, Cantabria, Castilla-La Mancha, Castilla y León, and Extremadura—serving over 4 million customers with a workforce of nearly 8,000 employees, while emphasizing proximity banking, prudent risk management, innovation, digital transformation, and ESG criteria. Founded in 2011 through the segregation of financial activities from its predecessor savings bank established in 1991 via mergers of historic entities dating back centuries, Unicaja Banco, S.A. is headquartered in Málaga, Spain, and is controlled by Fundación Bancaria Unicaja holding a significant stake. Recent developments include the 2024 acquisition of a stake in Zenon, a alternative finance firm, by its asset management unit; investments via Unicaja Ventures exceeding 5% in Bit2Me, a digital assets fintech, securing board representation and a commercial alliance for innovative DLT-based products ahead of MiCA regulations and digital euro rollout; partnerships with asset managers Candriam, Allianz, and BlackRock to enhance offerings; renewal of collaboration with Iberaval for SME financing in Castilla y León; an agreement with DXC to modernize operations and customer service; and an 80% reduction in product catalog through internal simplification as part of its strategic plan focusing on consumer lending growth, talent acquisition, and brand unification in management and private banking.