Unicaja Banco, S.A. (BME:UNI)
Spain
· Delayed Price · Currency is EUR | Market Cap | 7.01B |
| Revenue (ttm) | 1.97B |
| Net Income (ttm) | 625.51M |
| Shares Out | 2.57B |
| EPS (ttm) | 0.24 |
| PE Ratio | 11.23 |
| Forward PE | 10.76 |
| Dividend | 0.17 (6.44%) |
| Ex-Dividend Date | Apr 21, 2026 |
| Volume | 4,080,819 |
| Average Volume | 6,452,150 |
| Open | 2.700 |
| Previous Close | 2.682 |
| Day's Range | 2.694 - 2.734 |
| 52-Week Range | 1.634 - 3.036 |
| Beta | 0.36 |
| RSI | 53.52 |
| Earnings Date | May 5, 2026 |
About Unicaja Banco
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;... [Read more]
Financial Performance
In 2025, Unicaja Banco's revenue was 1.97 billion, an increase of 2.19% compared to the previous year's 1.93 billion. Earnings were 625.51 million, an increase of 10.42%.
Financial StatementsNews
Unicaja Banco Earnings Call Transcript: Q4 2025
2025 saw a turnaround with 2% loan growth, 10% higher net profit, and a record 29% dividend increase, driven by strategic diversification, digitalization, and efficiency gains. Outlook for 2026 is positive, with continued growth in income, business volume, and shareholder returns.
Unicaja Banco Earnings Call Transcript: Q3 2025
Net profit rose 11.5% year-over-year to €503 million, surpassing annual targets, with strong growth in mutual funds and improved credit quality. Guidance for 2025 was upgraded, with higher net interest income and lower cost of risk expected.
Unicaja Banco Earnings Call Transcript: Q2 2025
Net profit rose 15% year-over-year to €338 million, with strong growth in mutual funds, improved asset quality, and a CET1 ratio of 15.8%. Guidance for 2025 was upgraded for NII, fees, and profitability, while an interim dividend 10% higher than last year was approved.
Unicaja Banco Earnings Call Transcript: Q1 2025
Net income surged 43% year-on-year to EUR 158 million, with strong loan growth and improved asset quality. CET1 ratio rose to 15.4%, and the cost-to-income ratio improved to 46%. Guidance for NII above EUR 1.4 billion is maintained, with low rate sensitivity.
Unicaja Banco Earnings Call Transcript: Q4 2024
Record net profit of €573 million in 2024, up 115% year-over-year, driven by strong profitability, cost control, and business growth. Shareholder remuneration increased to 77% of profits, with a new strategic plan targeting further growth, digitalization, and a payout ratio above 85% over the next three years.
Unicaja Banco Earnings Call Transcript: Q3 2024
Net income surged 58% year-on-year, driven by higher banking margin and lower provisions, with asset quality and capital ratios at best-in-class levels. 2024 guidance was raised for NII growth and cost of risk, while fee income is expected to decline due to strategic shifts.
Unicaja Banco Earnings Call Transcript: Q2 2024
Net income nearly doubled year-over-year to €294 million in H1 2024, driven by higher revenues, lower provisions, and improved asset quality. NII guidance for 2024 was upgraded to close to 10%, with ROTE expected above 10% and strong capital and liquidity maintained.