UNICAJA BANCO SA (1UNI.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1UNI • ES0180907000
2.682 EUR
+2.68 (+Infinity%)
Last: Dec 17, 2025, 07:00 PM
Overall 1UNI gets a fundamental rating of 3 out of 10. We evaluated 1UNI against 111 industry peers in the Banks industry. 1UNI may be in some trouble as it scores bad on both profitability and health. 1UNI is not valued too expensively and it also shows a decent growth rate. 1UNI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- 1UNI had positive earnings in the past year.
- 1UNI had a negative operating cash flow in the past year.
- Each year in the past 5 years 1UNI has been profitable.
- In multiple years 1UNI reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of 1UNI (0.97%) is better than 62.28% of its industry peers.
- 1UNI's Return On Equity of 13.35% is fine compared to the rest of the industry. 1UNI outperforms 64.91% of its industry peers.
| Industry Rank | Sector 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
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.
- 1UNI's Profit Margin has improved in the last couple of years.
- 1UNI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- 1UNI does not have a ROIC to compare to the WACC, probably because it is not profitable.
- 1UNI has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for 1UNI has been increased compared to 5 years ago.
- 1UNI has a better debt/assets ratio than last year.
2.2 Solvency
- 1UNI has a Debt/Equity ratio of 0.66. This is a neutral value indicating 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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%.
- 1UNI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.65% yearly.
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
- Based on estimates for the next years, 1UNI will show a small growth in Earnings Per Share. The EPS will grow by 4.25% on average per year.
- 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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.18, which indicates a very decent 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 (28.32), we can say 1UNI is valued rather cheaply.
- The Price/Forward Earnings ratio is 11.08, which indicates a very decent valuation of 1UNI.
- 1UNI's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of 1UNI to the average of the S&P500 Index (25.57), we can say 1UNI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.18 | ||
| Fwd PE | 11.08 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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%
5. Dividend
5.1 Amount
- 1UNI has a Yearly Dividend Yield of 4.07%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.10, 1UNI has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.83, 1UNI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
5.2 History
- On average, the dividend of 1UNI grows each year by 23.53%, which is quite nice.
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.
- The dividend of 1UNI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP36.93%
EPS Next 2Y7.36%
EPS Next 3Y5.78%
UNICAJA BANCO SA / 1UNI.MI 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%.