Unicaja Banco UNI.MC
Unicaja Banco is a Spanish regional bank offering retail banking, corporate and asset management services, with a business model focused on savings and investment. Unicaja shows an attractive dividend yield of 5.33% and a payout of 68.51%, with earnings growth of 11.70% supporting its solidity, although its ROE of 9.55% and ROA of 0.68% reflect moderate profitability in the sector.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Unicaja Banco is a Spanish regional bank offering retail banking, corporate and asset management services, with a business model focused on savings and investment. Unicaja shows an attractive dividend yield of 5.33% and a payout of 68.51%, with earnings growth of 11.70% supporting its solidity, although its ROE of 9.55% and ROA of 0.68% reflect moderate profitability in the sector.
Score by category
| Category | Score |
|---|---|
| Financial health | 4.1 |
| Quality / Moat | 9.5 |
| Valuation | 5.0 |
| Growth | 6.5 |
| Dividend | 8.1 |
| Momentum | 8.8 |
| Risk & Context | 7.4 |
OVERALL SCORE: 6.8/10
Context and risks
Elevated governance risk in Spain due to history of political interference in savings banks and regional banks, which may affect management and returns to minority shareholders.
News considered in the analysis
- Unicaja Banco SA (UNJCF) Q4 2025 Earnings Call Highlights: Strong Profit Growth and Strategic ... — Resultados sólidos con crecimiento de beneficios, ya reflejado en el momentum, pero refuerza la confianza en la estrategia.
- Unicaja Banco SA (FRA:7UB) Q3 2025 Earnings Call Highlights: Strong Profit Growth Amidst ... — Resultados del tercer trimestre ya descontados por el mercado, sin información nueva.
- European Dividend Stocks To Consider For Your Portfolio — Listículo genérico sin información específica sobre Unicaja.
- European Dividend Stocks With Yields Up To 6.6% — Listículo genérico sin información específica sobre Unicaja.
- 3 European Dividend Stocks Yielding Up To 11.5% — Listículo genérico sin información específica sobre Unicaja.
Verdict: Hold, given the balance between attractive dividend and reasonable valuation, but with governance risk that limits upside potential.
Main risk: The main risk is governance: potential political interference in Unicaja's management, common in Spanish regional banks, could erode value for minority shareholders.
Other Financial Services companies
Neighbours in the sector ranking, to compare without going back to the index.
See all 1,000+ companies in the index →