-1.02%
6.25%
15.25%
15.25%
55.43%
39.56%
49.70%
AI Spotlight on UNI
Company Description
Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally.It offers accounts, payments, and debit and credit cards; mortgages and personal loans; deposit products, stock exchange, pension plans, investment funds and portfolios, and savings insurance policies; and life, home, car, accident, health, and agricultural insurance, as well as SME and retail damage, and corporate liability insurance products.The company also provides cash management, short term and long-term financing, and investment services, as well as remote and mobile banking services.
In addition, it engages in the property development and renewable energies activities; and invests in assets, securities, and financial companies.As of December 31, 2021, it had a network of 1,368 branches in Spain and 1 correspondent office in the United Kingdom.Unicaja Banco, S.A. was founded in 1991 and is headquartered in Málaga, Spain.
Market Data
| Last Price | 1.36 |
| Change Percentage | -1.02% |
| Open | 1.35 |
| Previous Close | 1.37 |
| Market Cap ( Millions) | 3384 |
| Volume | 2515644 |
| Year High | 1.42 |
| Year Low | 0.88 |
| M A 50 | 1.29 |
| M A 200 | 1.24 |
Financial Ratios
| FCF Yield | 2.72% |
| Dividend Yield | 8.08% |
| ROE | 6.62% |
| Debt / Equity | 102.01% |
| Net Debt / EBIDTA | -642.54% |
| Price To Book | 0.49 |
| Price Earnings Ratio | 7.81 |
| Price To FCF | 36.78 |
| Price To sales | 1.46 |
| EV / EBITDA | 12.27 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail Banking
Expected Growth : 5.0 %
What the company do ?
Retail Banking from Unicaja Banco, S.A. offers personal banking services, including accounts, credit cards, loans, and investment products to individual customers in Spain.
Why we expect these perspectives ?
Unicaja Banco's 5.0% growth in Retail Banking is driven by its strong brand recognition, expanded branch network, and digital transformation efforts. Additionally, its focus on customer-centric services, competitive pricing, and innovative product offerings have contributed to increased customer acquisition and retention. Furthermore, the bank's strategic partnerships and investments in fintech have enhanced its operational efficiency and risk management capabilities.
Unicaja Banco, S.A. Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Unicaja Banco's personal banking services provide individuals with a range of financial products and services, including current and savings accounts, credit cards, personal loans, and investment products. |
| Business Banking | Unicaja Banco's business banking services provide businesses with a range of financial products and services, including business accounts, loans, credit facilities, and cash management solutions. |
| Corporate Banking | Unicaja Banco's corporate banking services provide large corporations with a range of financial products and services, including corporate lending, treasury management, and risk management solutions. |
| Private Banking | Unicaja Banco's private banking services provide high net worth individuals with personalized financial advice, investment management, and wealth planning solutions. |
| Mortgage Loans | Unicaja Banco's mortgage loans provide individuals and businesses with financing solutions for purchasing or refinancing properties. |
| Credit Cards | Unicaja Banco's credit cards provide individuals and businesses with a convenient and flexible payment method, with rewards and benefits. |
| Investment Products | Unicaja Banco's investment products provide individuals and businesses with a range of investment solutions, including mutual funds, pension plans, and insurance products. |
| Insurance Products | Unicaja Banco's insurance products provide individuals and businesses with protection against risks, including life insurance, home insurance, and business insurance. |
Unicaja Banco, S.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Unicaja Banco, S.A. is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers for Unicaja Banco, S.A. is low due to the lack of negotiating power of individual customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Unicaja Banco, S.A. is medium due to the presence of multiple suppliers of technology and services.
Threat Of New Entrants
The threat of new entrants for Unicaja Banco, S.A. is high due to the increasing trend of fintech companies and digital banking platforms.
Intensity Of Rivalry
The intensity of rivalry for Unicaja Banco, S.A. is high due to the presence of multiple competitors in the banking industry.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 46.77% |
| Debt Cost | 8.76% |
| Equity Weight | 53.23% |
| Equity Cost | 8.76% |
| WACC | 8.76% |
| Leverage | 87.86% |
Unicaja Banco, S.A. : Quality Control
Unicaja Banco, S.A. passed 1 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MB.MI | Mediobanca Banca di Credito Finanziario S.p.A., together with its subsidiaries, provides various banking products and services in Italy and internationally. The company operates through Wealth Management, Consumer Banking, Corporate and … |
| BPSO.MI | Banca Popolare di Sondrio S.p.A., together with its subsidiaries, provides various banking products and services in Italy. The company offers current accounts, savings deposits, certificates of deposits, time deposit accounts, … |
| OBS.VI | Oberbank AG provides various banking products and services. The company operates through Corporate and Business Banking, Personal Banking, and Financial Markets segments. It provides savings, youth, student, and business accounts; … |
| FBK.MI | FinecoBank Banca Fineco S.p.A. provides banking and investment products and services. The company operates through Banking, Brokerage, and Investing segments. The company offers banking services, including current account and deposit … |
| BPE.MI | BPER Banca SpA provides banking products and services for individuals, and businesses and professionals in Italy and internationally. The company operates through Retail, Private, Corporate, Large Corporate, Finance, Corporate Center, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Mediobanca
A-Score
1-Year Total Return ->
🥈
FinecoBank
A-Score
1-Year Total Return ->
🥉
Unicaja Banco
A-Score
1-Year Total Return ->
4
BPER Banca
A-Score
1-Year Total Return ->
5
Banca Sondrio
A-Score
1-Year Total Return ->
6
