Unicaja Banco

MCE:UNI · ES0180907000

BanksMedium

360

Value64

Profit price38

Cash yield79

Sales & asset price78

Price/Sales72

EV / Gross Profit80

Price/Book81

Quality26

Returns on capital—

Profit margins—

Cash truth not applicable for financial companies.

Growth37

Sales growth30

Profit growth32

Profit Growth34

Long-Term EPS Growth29

Reinvestment25

Price momentum84

Safety54

Debt load78

Debt serviceability23

Liquidity89

Sentiment8

Analyst ratings5

Expectations trend29

Opinion Changes50

Price Target Upside8

Market mood52

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Unicaja Banco clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountrySpain

IndustryBanks

SizeMedium

TypePublic Company

ExchangeBME

Founded2011

Employees2,239

Websiteunicajabanco.es

ISINES0180907000

Last UpdateApr 2, 2026

Indices

IBEX 35 (Spain)

Themes

Consumer LendingDigital BrokerageEnergy StorageOnshore and Offshore WindConventional NuclearBankingFinanceFinancial ServicesPaymentsWealth Management

Description

Unicaja Banco, S.A. provides banking services and financial products in Malaysia. Segments The company operates through Retail Banking, Corporate Banking, Asset Management, Insurance Services, and Financial Services segments. Retail Banking This…

Analysis

Weak and unloved

Unicaja Banco, S.A. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

Valuation data is not available for this company.

The trajectory is tepid and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Jun 2026

All-time low

Mar 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →