Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Unicaja Banco, S.A. is a prominent Spanish financial institution headquartered in Málaga, operating as a listed bank within the Ibex 35 index and recognized for its solvency and financial solidity. It traces its origins to historic savings banks, some centuries old, merged starting in 1991 from entities in Ronda, Cádiz, Almería, Málaga, Antequera, and Jaén, evolving into a bank in 2011 and becoming publicly listed in 2017. Key mergers include EspañaDuero in 2018 and Liberbank in 2021, expanding its footprint across Andalusia, Castilla y León, Asturias, Cantabria, Castilla-La Mancha, and Extremadura, where over 80% of its network is concentrated. Unicaja Banco, S.A. follows a universal banking model centered on retail clients, including individuals, families, SMEs, and self-employed professionals, offering accounts, cards, mortgages, loans, savings, investments, insurances, and digital services. With around 1,000 branches, nearly 2,500 ATMs, over 8,000 employees, and more than 4 million customers exclusively in Spain, it emphasizes proximity banking, prudent risk management, innovation, digital transformation, and ESG principles to foster economic and social development while generating long-term value.
€3.18
€0.01 (-0.44%)
EOD Jun 23, 2026 · Twelve Data
Revenue declined 1.5% YoY. The question is whether this is cyclical or a structural shift.
Negative free cash flow of -€1.53B. The business is consuming cash, not generating it.
13.0x earnings. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€2.10B
▼ -1.5% YoY
Net Income (TTM)
€636M
▲ +10.5% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (FY)
-€1.53B
▼ -276.2% YoY
Op. Cash Flow (FY)
€145M
▼ -79.8% YoY
Net Debt
-€1.65B
Net Cash Position
Cash & Equiv.
€5.76B
3Y CAGR: +6.4%
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