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Unicaja Banco UNI.MC · EUR

Financials · BME · 🇪🇸 Spain

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3.39

+2.42%

Close of 9 Nov 2026, in EUR

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in EUR, from our data supplier.

FY2025

Revenue, before interest expense

€2.58bn

FY2016FY2025

Net income

€632.0m

FY2016FY2025

Total assets

€98.43bn

FY2016FY2025

Shareholders' equity

€6.53bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expense€2.58bn€3.28bn€2.97bn€1.94bn€1.37bn€1.18bn€1.27bn€1.31bn€1.36bn€1.61bn
Operating income€902.0m€816.3m€370.6m€382.8m€1.02bn€99.1m€174.1m€205.9m€139.8m€191.0m
Net income€632.0m€573.3m€266.7m€277.6m€1.11bn€77.8m€172.3m€152.6m€142.4m€142.1m
Diluted earnings per share0.250.220.100.100.420.050.110.090.090.08

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assets€98.43bn€97.37bn€97.15bn€99.00bn€115.55bn€65.54bn€56.71bn€57.50bn€56.33bn€57.24bn
Cash and short-term investments€12.85bn€7.50bn€8.04bn€4.66bn€21.30bn€6.67bn€4.56bn€4.28bn€3.81bn€861.7m
Total liabilities€91.34bn€90.63bn€90.51bn€92.54bn€109.22bn€61.54bn€52.74bn€53.59bn€52.43bn€54.06bn
Debt€3.95bn€4.10bn€4.24bn€3.33bn€2.50bn€363.0m€358.0m€60.0m€130.0m€1.43bn
Shareholders' equity€6.53bn€6.74bn€6.64bn€6.46bn€6.33bn€4.00bn€3.97bn€3.92bn€3.87bn€2.95bn
Shares outstanding2,570m2,569m2,652m2,655m2,651m1,580m1,581m1,608m1,610m1,846m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expense€542.0m€494.0m€646.0m€731.5m€720.0m€762.1m€761.0m€778.0m
Operating income€274.0m€232.0m€194.0m€234.0m€249.0m€227.0m€163.0m€222.0m
Net income€201.0m€161.0m€130.0m€165.0m€179.0m€158.0m€122.0m€157.0m
Diluted earnings per share0.080.060.050.060.070.060.050.06
Total assets€99.16bn€99.09bn€98.43bn€95.53bn€95.56bn€96.70bn€97.37bn€93.57bn
Cash and short-term investments€4.17bn€5.69bn€12.85bn€5.79bn€6.49bn€10.90bn€7.50bn€9.30bn
Debt——€8.02bn—€5.38bn—€699.6m—
Shareholders' equity€6.76bn€7.04bn€7.07bn€6.96bn€6.98bn€6.81bn€6.74bn€6.87bn

Financial ratios

Data as of 11 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin35.0%24.9%12.5%19.7%74.6%8.4%
Net margin24.5%17.5%9.0%14.3%81.3%6.6%
Return on equity9.7%8.5%4.0%4.3%17.6%1.9%
Return on assets0.6%0.6%0.3%0.3%1.0%0.1%
Revenue growth-21.4%10.6%52.7%42.0%16.1%-6.9%
Earnings growth10.2%115.0%-3.9%-75.1%1330.3%-54.8%
Current ratio0.21x0.10x0.11x0.06x103.25x28.54x
Debt to equity1.23x0.10x0.24x0.52x1.15x1.02x
Equity ratio6.6%6.9%6.8%6.5%5.5%6.1%
Interest coverage1.08x0.71x0.37x1.90x8.37x0.68x
Buybacks as a share of market value-0.0%3.1%0.1%-0.2%-67.8%0.1%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue9.9%16.9%1.3%
Operating income33.1%55.5%15.3%
Net income31.6%52.0%13.0%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin29.3%22.9%27.0%21.4%
Net margin20.6%16.2%22.1%17.7%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Price to earnings11.35.78.89.92.114.58.912.114.9
Price to sales2.81.00.81.41.71.01.21.41.6

Dividends and splits

Per share, in the currency the company pays

Paid for 5 years. Last went ex-dividend on 21 Apr 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2019FY2018
Paid in the year0.1070.140.170.0480.0250.0090.0380.021

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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