UNICAJA BANCO SA (1UNI.MI) Fundamental Analysis & Valuation

BIT:1UNI • ES0180907000

Current stock price

2.682 EUR
+2.68 (+Infinity%)
Last:

This 1UNI.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1UNI.MI Profitability Analysis

1.1 Basic Checks

  • 1UNI had positive earnings in the past year.
  • 1UNI had a negative operating cash flow in the past year.
  • 1UNI had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1UNI reported negative operating cash flow in multiple years.
1UNI.MI Yearly Net Income VS EBIT VS OCF VS FCF1UNI.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B

1.2 Ratios

  • With a decent Return On Assets value of 0.97%, 1UNI is doing good in the industry, outperforming 62.28% of the companies in the same industry.
  • 1UNI has a better Return On Equity (13.35%) than 64.91% of its industry peers.
Industry RankSector Rank
ROA 0.97%
ROE 13.35%
ROIC N/A
ROA(3y)0.38%
ROA(5y)0.44%
ROE(3y)5.61%
ROE(5y)7.24%
ROIC(3y)N/A
ROIC(5y)N/A
1UNI.MI Yearly ROA, ROE, ROIC1UNI.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 27.52%, 1UNI is in the better half of the industry, outperforming 70.18% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1UNI has grown nicely.
  • 1UNI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.45%
PM growth 5Y13.83%
GM growth 3YN/A
GM growth 5YN/A
1UNI.MI Yearly Profit, Operating, Gross Margins1UNI.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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2

2. 1UNI.MI Health Analysis

2.1 Basic Checks

  • 1UNI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, 1UNI has less shares outstanding
  • 1UNI has more shares outstanding than it did 5 years ago.
  • 1UNI has a better debt/assets ratio than last year.
1UNI.MI Yearly Shares Outstanding1UNI.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
1UNI.MI Yearly Total Debt VS Total Assets1UNI.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

  • A Debt/Equity ratio of 0.66 indicates that 1UNI is somewhat dependend on debt financing.
  • 1UNI has a Debt to Equity ratio of 0.66. This is amongst the best in the industry. 1UNI outperforms 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.27%
1UNI.MI Yearly LT Debt VS Equity VS FCF1UNI.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1UNI.MI Yearly Current Assets VS Current Liabilites1UNI.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. 1UNI.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 40.53% over the past year.
  • The Earnings Per Share has been growing by 13.81% on average over the past years. This is quite good.
  • 1UNI shows a decrease in Revenue. In the last year, the revenue decreased by -1.65%.
  • The Revenue has been growing by 12.65% on average over the past years. This is quite good.
EPS 1Y (TTM)40.53%
EPS 3Y175.89%
EPS 5Y13.81%
EPS Q2Q%0%
Revenue 1Y (TTM)-1.65%
Revenue growth 3Y-4.06%
Revenue growth 5Y12.65%
Sales Q2Q%-5.33%

3.2 Future

  • 1UNI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.25% yearly.
  • Based on estimates for the next years, 1UNI will show a small growth in Revenue. The Revenue will grow by 2.63% on average per year.
EPS Next Y16.02%
EPS Next 2Y7.36%
EPS Next 3Y5.78%
EPS Next 5Y4.25%
Revenue Next Year3.15%
Revenue Next 2Y2.12%
Revenue Next 3Y2.12%
Revenue Next 5Y2.63%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1UNI.MI Yearly Revenue VS Estimates1UNI.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
1UNI.MI Yearly EPS VS Estimates1UNI.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.05 0.1 0.15 0.2

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4

4. 1UNI.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.18 indicates a reasonable valuation of 1UNI.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1UNI is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of 1UNI to the average of the S&P500 Index (25.23), we can say 1UNI is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.08, the valuation of 1UNI can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as 1UNI.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.51, 1UNI is valued rather cheaply.
Industry RankSector Rank
PE 11.18
Fwd PE 11.08
1UNI.MI Price Earnings VS Forward Price Earnings1UNI.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1UNI.MI Per share data1UNI.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2

4.3 Compensation for Growth

  • 1UNI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.7
PEG (5Y)0.81
EPS Next 2Y7.36%
EPS Next 3Y5.78%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. 1UNI.MI Dividend Analysis

5.1 Amount

  • 1UNI has a Yearly Dividend Yield of 4.07%, which is a nice return.
  • 1UNI's Dividend Yield is comparable with the industry average which is at 4.75.
  • Compared to an average S&P500 Dividend Yield of 1.90, 1UNI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.07%

5.2 History

  • The dividend of 1UNI is nicely growing with an annual growth rate of 23.53%!
Dividend Growth(5Y)23.53%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 1UNI pays out 36.93% of its income as dividend. This is a sustainable payout ratio.
  • 1UNI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.93%
EPS Next 2Y7.36%
EPS Next 3Y5.78%
1UNI.MI Yearly Income VS Free CF VS Dividend1UNI.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B
1UNI.MI Dividend Payout.1UNI.MI Dividend Payout, showing the Payout Ratio.1UNI.MI Dividend Payout.PayoutRetained Earnings

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1UNI.MI Fundamentals: All Metrics, Ratios and Statistics

UNICAJA BANCO SA

BIT:1UNI (12/17/2025, 7:00:00 PM)

2.682

+2.68 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31
Earnings (Next)02-02
Inst Owners19.21%
Inst Owner ChangeN/A
Ins Owners9.4%
Ins Owner ChangeN/A
Market Cap6.90B
Revenue(TTM)3.39B
Net Income(TTM)931.45M
Analysts55.2
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.07%
Yearly Dividend0.11
Dividend Growth(5Y)23.53%
DP36.93%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)23.76%
Min EPS beat(2)-0.99%
Max EPS beat(2)48.51%
EPS beat(4)1
Avg EPS beat(4)9.14%
Min EPS beat(4)-9.99%
Max EPS beat(4)48.51%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)5.95%
Min Revenue beat(2)1.63%
Max Revenue beat(2)10.26%
Revenue beat(4)4
Avg Revenue beat(4)36.42%
Min Revenue beat(4)1.63%
Max Revenue beat(4)127.65%
Revenue beat(8)8
Avg Revenue beat(8)58.43%
Revenue beat(12)12
Avg Revenue beat(12)67.93%
Revenue beat(16)16
Avg Revenue beat(16)82.06%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.18
Fwd PE 11.08
P/S 2.04
P/FCF N/A
P/OCF N/A
P/B 0.99
P/tB 1
EV/EBITDA N/A
EPS(TTM)0.24
EY8.95%
EPS(NY)0.24
Fwd EY9.02%
FCF(TTM)-1.37
FCFYN/A
OCF(TTM)-1.35
OCFYN/A
SpS1.32
BVpS2.71
TBVpS2.68
PEG (NY)0.7
PEG (5Y)0.81
Graham Number3.83
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 13.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.52%
GM N/A
FCFM N/A
ROA(3y)0.38%
ROA(5y)0.44%
ROE(3y)5.61%
ROE(5y)7.24%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.45%
PM growth 5Y13.83%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 64.82%
Cap/Sales 1.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC6.27%
ROIC/WACCN/A
Cap/Depr(3y)74.45%
Cap/Depr(5y)71.9%
Cap/Sales(3y)2.93%
Cap/Sales(5y)2.77%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)40.53%
EPS 3Y175.89%
EPS 5Y13.81%
EPS Q2Q%0%
EPS Next Y16.02%
EPS Next 2Y7.36%
EPS Next 3Y5.78%
EPS Next 5Y4.25%
Revenue 1Y (TTM)-1.65%
Revenue growth 3Y-4.06%
Revenue growth 5Y12.65%
Sales Q2Q%-5.33%
Revenue Next Year3.15%
Revenue Next 2Y2.12%
Revenue Next 3Y2.12%
Revenue Next 5Y2.63%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year6.28%
EBIT Next 3Y0.65%
EBIT Next 5YN/A
FCF growth 1Y75.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y75.53%
OCF growth 3YN/A
OCF growth 5YN/A

UNICAJA BANCO SA / 1UNI.MI Fundamental Analysis FAQ

What is the fundamental rating for 1UNI stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1UNI.MI.


What is the valuation status of UNICAJA BANCO SA (1UNI.MI) stock?

ChartMill assigns a valuation rating of 4 / 10 to UNICAJA BANCO SA (1UNI.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for UNICAJA BANCO SA?

UNICAJA BANCO SA (1UNI.MI) has a profitability rating of 3 / 10.


What is the earnings growth outlook for UNICAJA BANCO SA?

The Earnings per Share (EPS) of UNICAJA BANCO SA (1UNI.MI) is expected to grow by 16.02% in the next year.


Can you provide the dividend sustainability for 1UNI stock?

The dividend rating of UNICAJA BANCO SA (1UNI.MI) is 7 / 10 and the dividend payout ratio is 36.93%.