Stock UNI UNICAJA BANCO, S.A.
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Financials Unicaja Banco, S.A.

Equities

UNI

ES0180907000

Banks

Market Closed - BME
Other stock markets
 09:05:10 30/04/2024 pm IST 		5-day change 1st Jan Change
1.227 EUR +0.33% Intraday chart for Unicaja Banco, S.A. +6.70% +37.87%
30/04 The IBEX 35 faces the monthly close with caution, weighed down by the banks RE
29/04 Transcript : Unicaja Banco, S.A., Q1 2024 Earnings Call, Apr 29, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,556 1,130 2,307 2,737 2,363 3,254 - -
Enterprise Value (EV) 1 1,556 1,130 2,307 2,737 2,363 3,254 3,254 3,254
P/E ratio 9.4 x 14.3 x 2.07 x 10.5 x 8.85 x 6.45 x 7.11 x 7.34 x
Yield 4.96% 1.4% 2.19% 4.7% - 7.76% 7.58% 7.02%
Capitalization / Revenue 1.54 x 1.18 x 1.52 x 1.73 x 1.33 x 1.7 x 1.77 x 1.79 x
EV / Revenue 1.54 x 1.18 x 1.52 x 1.73 x 1.33 x 1.7 x 1.77 x 1.79 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.39 x 0.28 x 0.4 x 0.46 x 0.4 x 0.48 x 0.46 x 0.45 x
Nbr of stocks (in thousands) 16,07,892 15,79,761 26,54,616 26,54,537 26,54,725 26,51,906 - -
Reference price 2 0.9680 0.7150 0.8690 1.031 0.8900 1.227 1.227 1.227
Announcement Date 30/01/20 02/02/21 03/02/22 31/01/23 06/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,009 955 1,517 1,584 1,776 1,910 1,840 1,822
EBITDA - - - - - - - -
EBIT 1 402 383 580 722.5 917 1,009 915 878.5
Operating Margin 39.84% 40.1% 38.23% 45.61% 51.63% 52.8% 49.73% 48.22%
Earnings before Tax (EBT) 1 174 99.1 1,021 361 371 719.3 628.1 601.5
Net income 1 172 77.83 1,113 260 267 497.4 447.3 425.8
Net margin 17.05% 8.15% 73.37% 16.41% 15.03% 26.03% 24.31% 23.37%
EPS 2 0.1030 0.0500 0.4192 0.0979 0.1006 0.1902 0.1726 0.1672
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.0480 0.0100 0.0190 0.0484 - 0.0952 0.0931 0.0862
Announcement Date 30/01/20 02/02/21 03/02/22 31/01/23 06/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 528.2 470.7 385 313 382 443 825 419 340 373 458 831 503 442 447.1 - - -
EBITDA - - - - - - - - - - - - - - - - - -
EBIT 1 239.1 189.5 150 90 164 225 389 202 132 160 242 402 290 225 225.2 - - -
Operating Margin 45.26% 40.26% 38.96% 28.75% 42.93% 50.79% 47.15% 48.21% 38.82% 42.9% 52.84% 48.38% 57.65% 50.9% 50.38% - - -
Earnings before Tax (EBT) 1 85.62 91.91 1,330 -401 84 141 225 131 5 73 150 223 190 -42 165 - - -
Net income 1 60.89 70.02 1,325 -282 60 105 165 95 -1 34 114 148 137 -19 91.04 176.2 144.6 118.5
Net margin 11.53% 14.87% 344.15% -90.1% 15.71% 23.7% 20% 22.67% -0.29% 9.12% 24.89% 17.81% 27.24% -4.3% 20.36% - - -
EPS 2 - - - -0.1400 0.0200 - - 0.0400 - 0.0128 - - - - 0.0324 0.0675 0.0563 0.0462
Dividend per Share 2 - - - 0.007300 - - - - 0.0484 - - - - - - - - 0.0964
Announcement Date 03/08/20 28/07/21 03/11/21 03/02/22 27/04/22 27/07/22 27/07/22 27/10/22 31/01/23 28/04/23 27/07/23 27/07/23 30/10/23 06/02/24 - - - -
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 4.37% 1.95% 2.63% 3.99% 4.08% 7.71% 6.65% 6.16%
ROA (Net income/ Total Assets) 0.3% 0.13% 1.23% 0.24% 0.27% 0.52% 0.47% 0.43%
Assets 1 56,954 61,140 90,547 1,07,261 98,054 95,646 94,770 98,120
Book Value Per Share 2 2.470 2.540 2.180 2.230 2.250 2.550 2.640 2.740
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 30/01/20 02/02/21 03/02/22 31/01/23 06/02/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Unicaja Banco, S.A.

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
16
Last Close Price
1.227 EUR
Average target price
1.367 EUR
Spread / Average Target
+11.40%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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