Unicaja Banco, S.A. (UNI.MC) stock analysis

In our weekly check, Unicaja Banco, S.A. is graded D (A to F). Of 24 checks on debt, profit, cash flow and trend: 13 pass, warnings: 1, red flags: 10.

About Unicaja Banco, S.A.

Unicaja Banco, S.A. is a Financial Services company (Banks - Regional) based in Spain, listed on BME as UNI.MC.

What our checks show for UNI.MC

Red flags

• The net margin fell by 55.9 points over 5 years, to 25.3%: the company keeps less of each sale as profit.
• The gross margin fell by 16 points, to 75.1%: costs are rising faster than prices.
• Profits not backed by cash
• Analysts expect revenue to shrink about 3.4% a year.
• The stock has fallen as much as 74% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 4.8 years.
• Return on capital (ROCE) is only 0.9%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Free cash flow is only 0% of revenue.

Strengths

• Analysts expect the net margin to improve by 5.8 points from today's 25.3%.
• Earnings per share grew 36.7% a year over the last 3 years.
• Net profit grew 33.3% a year over the last 3 years.
• The company keeps 25.3% of its revenue as net profit.
• Beta 0.39: the stock usually moves less than the market.
• Actively traded: about 4.1 million shares a day.

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Questions

What grade does Unicaja Banco, S.A. (UNI.MC) have?

In our weekly check, Unicaja Banco, S.A. is graded D (A to F). Of 24 checks on debt, profit, cash flow and trend: 13 pass, warnings: 1, red flags: 10. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of UNI.MC stock?

This week's biggest flags for Unicaja Banco, S.A.: Margins falling, Gross margin falling, Profits not backed by cash. In total 11 of 24 checks show a warning or a red flag.

What does Unicaja Banco, S.A. do?

Unicaja Banco, S.A. is a Financial Services company (Banks - Regional) based in Spain, listed on BME as UNI.MC.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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