Financial Services
Unicaja Banco, S.A.(UNJCF)
Live Price
Offline$3.05
+0.00% today
1Y Change
+36.77%
Window
Jun 23, 2025 β Jun 18, 2026
- Market Cap
- $7.02B
- Revenue Growth
- -9.9%
- EPS Growth
- +4.3%
- Dividend Yield
- 6.3%
Coverage: 255 bars Β· Jun 23, 2025 β Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Unicaja Banco, S.A. (UNJCF) is a Financial Services stock with a market cap of $7.02B and listed on OTC. The stock last traded around $3.05 and up 36.8% across the available one-year price window (Jun 23, 2025 β Jun 18, 2026). Baseline metrics include revenue growth of -9.9%, EPS growth of +4.3%, a dividend yield of 6.3%. What stands out right now is revenue -9.9%, EPS +4.3%, free cash flow +141.1% with operating margin 31.6% and ROIC -1.0%. The dividend matters to the case here, with a current yield around 6.3%. Valuation is more restrained than many high-expectation growth names at P/E 11.1 and price/sales 2.5. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines UNJCF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-9.9% vs +3.4% peer median
Operating Margin
Above sector median
+31.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report came in below the EPS bar
2026 was reported on May 5, 2026 with an EPS surprise of -1.3% and a revenue surprise of +0.8%.
The operating picture looks softer than before
Revenue is at -9.9% and EPS is at +4.3%, with operating margin around 31.6%.
The next real check-in already has a date
The next earnings event is scheduled for Jul 28, 2026, which is the clearest near-term catalyst for confirming whether the current trend is holding up.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged 0.0% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS Ξ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 5, 2026 | -1.3% | +0.0% | +0.0% | +0.0% |
2026 Feb 3, 2026 | -17.1% | +0.0% | +0.0% | +0.0% |
2025 Oct 28, 2025 | -13.6% | +0.0% | +0.0% | +0.0% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UNJCF
β
Normalized return
SPY
β
S&P 500
Excess Return
β
Relative to SPY
UNJCF Max Drawdown
0.00%
Trailing 1Y
SPY Max Drawdown
β
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UNJCF and SPY.
Company Overview
Unicaja Banco, S.A.
Other OTC
Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; deposit products, stock exchange, pension plans, investment funds and portfolios, and savings insurance policies; and life, home, car, accident, health, and agricultural insurance, as well as SME and retail damage, and corporate liability insurance products. The company also provides cash management, short term and long-term financing, and investment services, as well as remote and mobile banking services. In addition, it engages in the property development and renewable energies activities; and invests in assets, securities, and financial companies. As of December 31, 2021, it had a network of 1,368 branches in Spain and 1 correspondent office in the United Kingdom. Unicaja Banco, S.A. was founded in 1991 and is headquartered in MΓ‘laga, Spain.
- Leadership
- Isidro Rubiales Gil
- IPO Date
- Jun 5, 2015
- Employees
- 7.5k
- Street Address
- Avenida de AndalucIa, 10 y 12
- Mailing
- MΓ‘laga, 29007
- Region
- MΓ‘laga, ES
- Reporting Currency
- USD
- Investor Line
- 34 952 13 80 00
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 11.1
- EV/EBITDA
- 8.6
- Price/Sales
- 2.5
- Price/Book
- 1.0
Growth
- Revenue
- -9.9%
- EPS
- +4.3%
- Free Cash Flow
- +141.1%
Profitability
- Gross Margin
- 50.1%
- Operating Margin
- 31.6%
- Net Margin
- 22.1%
- ROE
- 9.1%
- ROIC
- -1.0%
Balance Sheet
- Debt/Equity
- 1.86
- Current Ratio
- 0.13
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.