Unicaja Banco SA

Unicaja Banco SA has a total equity of 6.56 billion EUR and a debt-to-equity ratio of 0.69, indicating a relatively balanced capital structure. The bank's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The return on equity (ROE) is 1.69%, and the return on assets (ROA) is 0.11%, both of which are below the industry median for banks, suggesting that the bank is underperforming in terms of profitability and asset utilization.

The bank's profitability metrics, such as ROE and ROA, are significantly lower than the industry median, indicating that Unicaja Banco SA is not generating returns as efficiently as its peers. The net income of 111 million EUR and revenue of 390 million EUR suggest that the bank is generating modest profits, but the low ROE and ROA indicate that the bank's capital is not being used effectively to generate returns. The bank's total assets of 97.09 billion EUR and total liabilities of 90.54 billion EUR highlight the scale of its operations, but the low returns suggest that the bank is not leveraging its assets efficiently.

Unicaja Banco SA's revenue is primarily concentrated in Spain, with no significant geographic diversification reported in the available data. The bank does not report segment-specific revenue figures, making it difficult to assess the contribution of different business lines to overall performance. The lack of segment data also limits the ability to identify growth drivers or areas of underperformance within the bank's operations.

The bank's growth trajectory is not clearly defined in the available data, as there are no specific revenue growth figures provided for the current or next fiscal year. The risk assessment indicates a low dilution potential, suggesting that the bank is not expected to issue additional shares in the near term. However, the medium liquidity risk and the negative net cash position after subtracting total debt highlight potential challenges in maintaining sufficient liquidity to meet short-term obligations.

Recent events and filings do not provide specific details on the bank's strategic initiatives or operational changes. The absence of detailed information on recent events makes it challenging to assess the bank's response to market conditions or regulatory changes. The lack of recent events also means that there is no clear indication of how the bank is positioning itself for future growth or addressing current challenges.

The bank's risk profile is characterized by a medium liquidity risk and a low dilution potential, but the low profitability metrics and the negative net cash position after subtracting total debt suggest that the bank may face challenges in maintaining its financial stability. The absence of detailed information on recent events and strategic initiatives further complicates the assessment of the bank's long-term prospects.

Net income rose 10.3% year-over-year to EUR 632 million, demonstrating improved profitability despite revenue headwinds.

Total assets grew 1.1% year-over-year to EUR 98.4 billion, indicating stable balance sheet expansion.

Equity increased 5.0% year-over-year to EUR 7.1 billion, supporting capital strength and resilience.

The company maintains a low dilution risk profile, protecting existing shareholder value from erosion.

Revenue has compounded at a 19.6% CAGR over four years, showing strong historical top-line growth.

Return on equity of 1.69% falls in the bottom quartile of the banking cohort, signaling poor capital efficiency.

Revenue declined 2.8% year-over-year to EUR 1.49 billion, indicating weakening top-line momentum.

Free cash flow dropped 20.4% year-over-year to EUR 248 million, reducing liquidity for dividends or buybacks.

Debt-to-equity ratio of 0.69 exceeds the banking cohort median of 0.29, indicating higher leverage risk.

Revenue €375.0M, −2,1% YoY; Net income +5,1% YoY.

• ▍Revenue €375.0M, −2,1% YoY
• ▍Net income +5,1% YoY
• ▍Net margin 44.0%

Revenue €369.0M, −5,4% YoY; Net income +42,3% YoY.

• ▍Revenue €369.0M, −5,4% YoY
• ▍Net income +42,3% YoY
• ▍Net margin 42.8%

Revenue €383.0M; Net margin 41.0%.

• ▍Revenue €383.0M
• ▍Net margin 41.0%

Revenue €390.0M; Net margin 28.5%.

• ▍Revenue €390.0M
• ▍Net margin 28.5%

Revenue €1.49B, −2,8% YoY; Net income +10,3% YoY.

• ▍Revenue €1.49B, −2,8% YoY
• ▍Net income +10,3% YoY
• ▍Free cash flow −20,4% YoY
• ▍Net margin 42.3%

Revenue €1.54B, +13,7% YoY; Net income +115,0% YoY.

• ▍Revenue €1.54B, +13,7% YoY
• ▍Net income +115,0% YoY
• ▍Free cash flow +114,2% YoY
• ▍Net margin 37.3%

Revenue €1.35B, +26,1% YoY; Net income −3,9% YoY.

• ▍Revenue €1.35B, +26,1% YoY
• ▍Net income −3,9% YoY
• ▍Free cash flow −33,4% YoY
• ▍Net margin 19.7%

Revenue €1.07B, +47,0% YoY; Net income −75,1% YoY.

• ▍Revenue €1.07B, +47,0% YoY
• ▍Net income −75,1% YoY
• ▍Free cash flow −80,5% YoY
• ▍Net margin 25.9%

Revenue €730.1M; Net margin 152.5%.

• ▍Revenue €730.1M
• ▍Net margin 152.5%