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Unicaja Banco, S.A. UNJCF

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Price alert · UNJCF

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3.05 USD 0.00 0.00%

At close · Oct 30

3.00 Day range 3.05
2.23 52-week range 3.05
YTD
0.00%
1 year
+36.77%
Open
3.00
Prev close
3.05
Mkt cap
7.84B
Vol
200
Avg vol
0
EPS
0.27
P/E
11.30
More statistics
Low
3.00
High
3.05
Earnings
Oct 30, 2026

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Financial health

Altman Z-Score

0.15 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 10.8×
FY 2016: 15.9×FY 2017: 19.0×FY 2018: 23.1×FY 2019: 7.3×FY 2020: 15.0×FY 2021: 1.4×FY 2022: 8.2×FY 2023: 11.0×FY 2024: 5.3×FY 2025: 10.8×
FY 2016 5y median 8.2× FY 2025
P/S 2.6×
FY 2016: 1.4×FY 2017: 1.9×FY 2018: 2.7×FY 2019: 0.9×FY 2020: 1.6×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 2.6×
FY 2016 5y median 1.1× FY 2025
P/B 1.1×
FY 2016: 0.7×FY 2017: 0.7×FY 2018: 0.9×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 1.1×
FY 2016 5y median 0.4× FY 2025
P/FCF 46.8×
FY 2016: 0.5×FY 2017: 2.4×FY 2018: 9.2×FY 2019: -4.7×FY 2020: 0.5×FY 2021: 0.1×FY 2022: -0.1×FY 2023: 1.0×FY 2024: -7.5×FY 2025: 46.8×
FY 2016 5y median 0.1× FY 2025
EV/EBITDA -0.0×
FY 2016: 11.6×FY 2017: -3.1×FY 2018: -1.4×FY 2019: -12.2×FY 2020: -42.7×FY 2021: -15.3×FY 2022: 4.2×FY 2023: -0.2×FY 2024: 0.4×FY 2025: -0.0×
FY 2016 5y median -0.0× FY 2025
EV/Sales -0.0×
FY 2016: 1.7×FY 2017: -0.4×FY 2018: -0.3×FY 2019: -2.1×FY 2020: -7.2×FY 2021: -12.2×FY 2022: 1.0×FY 2023: -0.0×FY 2024: 0.1×FY 2025: -0.0×
FY 2016 5y median -0.0× FY 2025
FCF Yield 2.1%
FY 2016: 197.6%FY 2017: 41.4%FY 2018: 10.9%FY 2019: -21.3%FY 2020: 187.1%FY 2021: 884.9%FY 2022: -798.5%FY 2023: 96.7%FY 2024: -13.3%FY 2025: 2.1%
FY 2016 5y median 2.1% FY 2025

Profitability

Gross Margin 71.7%
FY 2016: 75.7%FY 2017: 80.2%FY 2018: 84.4%FY 2019: 85.4%FY 2020: 100.0%FY 2021: 91.1%FY 2022: 89.6%FY 2023: 66.6%FY 2024: 64.8%FY 2025: 71.7%
FY 2016 5y median 71.7% FY 2025
Operating Margin 30.5%
FY 2016: 11.9%FY 2017: 10.3%FY 2018: 15.7%FY 2019: 13.7%FY 2020: 26.1%FY 2021: 74.6%FY 2022: 19.7%FY 2023: 12.5%FY 2024: 24.9%FY 2025: 30.5%
FY 2016 5y median 24.9% FY 2025
Net Margin 21.3%
FY 2016: 8.8%FY 2017: 10.4%FY 2018: 11.6%FY 2019: 13.6%FY 2020: 11.6%FY 2021: 81.3%FY 2022: 14.3%FY 2023: 9.0%FY 2024: 17.5%FY 2025: 21.3%
FY 2016 5y median 17.5% FY 2025
ROE 8.9%
FY 2016: 4.8%FY 2017: 3.7%FY 2018: 3.9%FY 2019: 4.3%FY 2020: 1.9%FY 2021: 17.6%FY 2022: 4.3%FY 2023: 4.0%FY 2024: 8.5%FY 2025: 8.9%
FY 2016 5y median 8.5% FY 2025
ROIC 3.8%
FY 2016: 0.9%FY 2017: 1.1%FY 2018: 1.0%FY 2019: 1.2%FY 2020: 0.7%FY 2021: 2.0%FY 2022: -0.7%FY 2023: 1.1%FY 2024: 2.7%FY 2025: 3.8%
FY 2016 5y median 2.0% FY 2025
ROA 0.6%
FY 2016: 0.2%FY 2017: 0.3%FY 2018: 0.3%FY 2019: 0.3%FY 2020: 0.1%FY 2021: 1.0%FY 2022: 0.3%FY 2023: 0.3%FY 2024: 0.6%FY 2025: 0.6%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue -9.9%
FY 2016: -28.8%FY 2017: -15.3%FY 2018: -3.9%FY 2019: -3.2%FY 2020: -47.2%FY 2021: 104.4%FY 2022: 42.0%FY 2023: 52.7%FY 2024: 10.6%FY 2025: -9.9%
FY 2016 FY 2025
Operating Income 10.5%
FY 2016: -12.0%FY 2017: -26.8%FY 2018: 47.3%FY 2019: -15.4%FY 2020: 0.5%FY 2021: 484.1%FY 2022: -62.5%FY 2023: -3.2%FY 2024: 120.3%FY 2025: 10.5%
FY 2016 FY 2025
EPS (diluted) 4.3%
FY 2016: -21.1%FY 2017: -26.7%FY 2018: -13.7%FY 2019: 5.4%FY 2020: -55.2%FY 2021: 1105.4%FY 2022: -81.5%FY 2023: -2.1%FY 2024: 134.9%FY 2025: 4.3%
FY 2016 FY 2025
Free Cash Flow 141.1%
FY 2016: 184.7%FY 2017: -74.8%FY 2018: -65.0%FY 2019: -165.2%FY 2020: 895.1%FY 2021: 600.8%FY 2022: -225.0%FY 2023: 115.9%FY 2024: -114.7%FY 2025: 141.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 103×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 103×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.6×
FY 2016: 0.5×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.5×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA -7.9×
FY 2016: 2.3×FY 2017: -17.6×FY 2018: -15.9×FY 2019: -17.6×FY 2020: -52.0×FY 2021: -16.7×FY 2022: -0.4×FY 2023: -6.4×FY 2024: -3.0×FY 2025: -7.9×
FY 2016 5y median -6.4× FY 2025
Interest Coverage 1.1×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 1.2×FY 2021: 8.4×FY 2022: 1.9×FY 2023: 0.4×FY 2024: 0.7×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 4.6%
FY 2016: 1.8%FY 2017: 0.9%FY 2018: 1.0%FY 2019: 5.2%FY 2020: 0.0%FY 2021: 1.1%FY 2022: 3.1%FY 2023: 4.5%FY 2024: 9.4%FY 2025: 4.6%
FY 2016 5y median 4.5% FY 2025
Payout Ratio 56.7%
FY 2016: 27.3%FY 2017: 16.8%FY 2018: 22.7%FY 2019: 35.4%FY 2020: 0.0%FY 2021: 1.5%FY 2022: 24.3%FY 2023: 48.2%FY 2024: 49.9%FY 2025: 56.7%
FY 2016 5y median 48.2% FY 2025

Annual · latest fiscal year ends 2025-12-31