Unicaja Banco, S.A. (UNI.XMAD) Quality Score
Valuation remains strong (avg 90/100), but growth is pulling the composite down (avg 60/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.2x book, reasonable for a financial
5–10% CAGR, steady but not exceptional
2–5%, modest book growth
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
5–10%, adequate but not exceptional
7.2% equity/assets, adequate
Net margin expanded 3+pp, strong improvement
Unicaja Banco (UNI.XMAD) quality: score, margins and returns
Unicaja Banco (UNI.XMAD) scores 78/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is Unicaja Banco (UNI.XMAD) a high-quality business?+
Unicaja Banco scores 78 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Unicaja Banco's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from UNI.XMAD's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Unicaja Banco scores well and where it falls behind.
How profitable is Unicaja Banco?+
Unicaja Banco runs a net margin of about 30.9%. Revenue has grown at roughly 13.9% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.