Unicaja Banco, S.A.

$ 3.15 0.96 %

Unicaja Banco, S.A. is a prominent financial institution delivering a broad spectrum of banking products and services to individuals and corporate clients across Spain and internationally. Its extensive offerings include current accounts, payment facilities, and various debit and credit cards. The bank provides diverse lending solutions like mortgages and personal loans, alongside a suite of savings and investment products such as deposit accounts, stock market access, pension schemes, investment funds, tailored portfolios, and savings-linked insurance. Furthermore, it offers a wide array of insurance policies, encompassing life, home, car, accident, health, agricultural, SME and retail damage, and corporate liability coverage. For businesses, Unicaja Banco provides cash management, both short and long-term financing, and specialized investment services, all complemented by convenient remote and mobile banking platforms. Beyond traditional banking, the company is involved in property development and renewable energy initiatives, and it strategically invests in assets, securities, and other financial companies. As of December 31, 2021, Unicaja Banco operated a substantial network of 1,368 branches throughout Spain and maintained a correspondent office in the United Kingdom. Founded in 1991, its headquarters are located in Málaga, Spain.

CEO: Isidro Rubiales Gil - https://www.unicajabanco.com/es

Price objectif

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Recommandation

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DCF

$ 15.57

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UNI.MC vs S&P500

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Quick ratio

0.00

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

13.14

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

0.24

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

9.05 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

0.63 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

5.42

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.27

means it relies more on debt, which can increase financial risk.

Free cash flow per share

0.00

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

0.00 %

the dividend payout ratio is the measure of dividends paid out to shareholders relative to the company's net income.

Earnings per share

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Financials

Piotroski score
4 indicates moderate financial health
Altman score
0.18 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.00 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.09 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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