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Unicaja Banco SA
Buy, Hold or Sell?

Let's analyse Unicaja Banco SA together

PenkeI guess you are interested in Unicaja Banco SA. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Unicaja Banco SA. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Unicaja Banco SA (30 sec.)










What can you expect buying and holding a share of Unicaja Banco SA? (30 sec.)

How much money do you get?

How much money do you get?
‚ā¨0.21
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
‚ā¨34.99
Expected worth in 1 year
‚ā¨165.23
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
‚ā¨130.43
Return On Investment
10,032.7%

For what price can you sell your share?

Current Price per Share
‚ā¨1.30
Expected price per share
‚ā¨1.0656382189239 - ‚ā¨1.362
How sure are you?
50%

1. Valuation of Unicaja Banco SA (5 min.)




Live pricePrice per Share (EOD)

‚ā¨1.30

Intrinsic Value Per Share

‚ā¨-0.92 - ‚ā¨4.89

Total Value Per Share

‚ā¨34.07 - ‚ā¨39.88

2. Growth of Unicaja Banco SA (5 min.)




Is Unicaja Banco SA growing?

Current yearPrevious yearGrowGrow %
How rich?$100b$6.9b$93b93.0%

How much money is Unicaja Banco SA making?

Current yearPrevious yearGrowGrow %
Making money$287.1m$298.8m-$11.7m-4.1%
Net Profit Margin13.3%15.8%--

How much money comes from the company's main activities?

3. Financial Health of Unicaja Banco SA (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Unicaja Banco SA? (5 min.)

Welcome investor! Unicaja Banco SA's management wants to use your money to grow the business. In return you get a share of Unicaja Banco SA.

What can you expect buying and holding a share of Unicaja Banco SA?

First you should know what it really means to hold a share of Unicaja Banco SA. And how you can make/lose money.

Speculation

The Price per Share of Unicaja Banco SA is ‚ā¨1.3. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Unicaja Banco SA.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Unicaja Banco SA, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is ‚ā¨34.99. Based on the TTM, the Book Value Change Per Share is ‚ā¨32.56 per quarter. Based on the YOY, the Book Value Change Per Share is ‚ā¨0.03 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is ‚ā¨0.05 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Unicaja Banco SA.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 ‚ā¨% of Price per Share‚ā¨% of Price per Share‚ā¨% of Price per Share‚ā¨% of Price per Share‚ā¨% of Price per Share
Usd Eps0.118.3%0.118.3%0.118.1%0.1511.7%0.129.3%
Usd Book Value Change Per Share35.062,696.5%35.062,696.5%0.042.8%7.22555.0%3.68283.3%
Usd Dividend Per Share0.054.0%0.054.0%0.032.1%0.7557.4%0.3829.1%
Usd Total Gains Per Share35.112,700.6%35.112,700.6%0.064.9%7.96612.4%4.06312.4%
Usd Price Per Share0.96-0.96-1.11-0.96-0.75-
Price to Earnings Ratio8.86-8.86-10.53-12.68-10.85-
Price-to-Total Gains Ratio0.03-0.03-17.44-8.21-15.20-
Price to Book Ratio0.03-0.03-0.42-0.38-0.36-
Price-to-Total Gains Ratio0.03-0.03-17.44-8.21-15.20-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.39971
Number of shares714
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.050.75
Usd Book Value Change Per Share35.067.22
Usd Total Gains Per Share35.117.96
Gains per Quarter (714 shares)25,066.595,684.29
Gains per Year (714 shares)100,266.3522,737.16
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
114910011710025621302060722727
229820023520052242614121445464
344730035230078863916182068201
459640047040105485218242790938
574550058750132010652103034113675
689360070560158612782123641136412
7104270082270185214913144248159149
8119180093980211817043164854181886
9134090105790238419173185461204623
1014891001174100265021304206068227360

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%13.01.00.092.9%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.02.00.080.0%10.04.00.071.4%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%11.00.03.078.6%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.02.00.080.0%10.04.00.071.4%

Fundamentals of Unicaja Banco SA

About Unicaja Banco SA

Unicaja Banco, S.A. engages in retail banking business in Spain. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; pension plans, investment funds and portfolios, and savings insurance policies; and life, home, car, accident, health, agricultural, and funeral insurance. Unicaja Banco, S.A. was founded in 1991 and is headquartered in M√°laga, Spain.

Fundamental data was last updated by Penke on 2024-05-26 04:21:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Unicaja Banco SA.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit¬†Unicaja Banco SA earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare¬†Unicaja Banco SA to the¬†Banks - Regional industry mean.
  • A Net Profit Margin of 13.3%¬†means that¬†€0.13 for each €1¬†in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Unicaja Banco SA:

  • The MRQ is 13.3%. The company is making a huge profit. +2
  • The TTM is 13.3%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ13.3%TTM13.3%0.0%
TTM13.3%YOY15.8%-2.5%
TTM13.3%5Y28.4%-15.1%
5Y28.4%10Y22.4%+6.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ13.3%38.5%-25.2%
TTM13.3%29.6%-16.3%
YOY15.8%26.3%-10.5%
5Y28.4%23.6%+4.8%
10Y22.4%20.4%+2.0%
1.1.2. Return on Assets

Shows how efficient Unicaja Banco SA is using its assets to generate profit.

  • Above 5% is considered healthy¬†but always compare¬†Unicaja Banco SA to the¬†Banks - Regional industry mean.
  • 0.3% Return on Assets means that¬†Unicaja Banco SA generated¬†€0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Unicaja Banco SA:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%0.0%
TTM0.3%YOY0.3%0.0%
TTM0.3%5Y0.4%-0.1%
5Y0.4%10Y0.4%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.3%0.0%
TTM0.3%0.2%+0.1%
YOY0.3%0.2%+0.1%
5Y0.4%0.2%+0.2%
10Y0.4%0.2%+0.2%
1.1.3. Return on Equity

Shows how efficient Unicaja Banco SA is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare¬†Unicaja Banco SA to the¬†Banks - Regional industry mean.
  • 4.0% Return on Equity means Unicaja Banco SA generated €0.04¬†for each¬†€1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Unicaja Banco SA:

  • The MRQ is 4.0%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.0%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ4.0%TTM4.0%0.0%
TTM4.0%YOY4.3%-0.3%
TTM4.0%5Y6.4%-2.4%
5Y6.4%10Y6.7%-0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ4.0%3.1%+0.9%
TTM4.0%2.5%+1.5%
YOY4.3%2.7%+1.6%
5Y6.4%2.5%+3.9%
10Y6.7%2.8%+3.9%

1.2. Operating Efficiency of Unicaja Banco SA.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Unicaja Banco SA is operating .

  • Measures how much profit Unicaja Banco SA makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare¬†Unicaja Banco SA to the¬†Banks - Regional industry mean.
  • An Operating Margin of 18.5%¬†means the company generated €0.18 ¬†for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Unicaja Banco SA:

  • The MRQ is 18.5%. The company is operating efficient. +1
  • The TTM is 18.5%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ18.5%TTM18.5%0.0%
TTM18.5%YOY32.1%-13.7%
TTM18.5%5Y31.6%-13.2%
5Y31.6%10Y41.9%-10.2%
1.2.2. Operating Ratio

Measures how efficient Unicaja Banco SA is keeping operating costs low.

  • Below 1 is considered healthy (always compare to¬†Banks - Regional industry mean).
  • An Operation Ratio of 0.65 means that the operating costs are €0.65 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of Unicaja Banco SA:

  • The MRQ is 0.646. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.646. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.646TTM0.6460.000
TTM0.646YOY0.682-0.036
TTM0.6465Y0.824-0.177
5Y0.82410Y0.774+0.050

1.3. Liquidity of Unicaja Banco SA.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Unicaja Banco SA is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to¬†Banks - Regional industry mean).
  • A Current Ratio of 11.78¬†means the company has €11.78 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of Unicaja Banco SA:

  • The MRQ is 11.780. The company is very able to pay all its short-term debts. +2
  • The TTM is 11.780. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ11.780TTM11.7800.000
TTM11.780YOY30.350-18.570
TTM11.7805Y38.426-26.646
5Y38.42610Y19.277+19.149
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM11.7800.124+11.656
YOY30.3500.167+30.183
5Y38.4260.207+38.219
10Y19.2770.131+19.146
1.3.2. Quick Ratio

Measures if Unicaja Banco SA is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but¬†always compare¬†Unicaja Banco SA to the¬†Banks - Regional industry mean.
  • A Quick Ratio of 11.78¬†means the company can pay off €11.78 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Unicaja Banco SA:

  • The MRQ is 11.782. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 11.782. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ11.782TTM11.7820.000
TTM11.782YOY32.098-20.315
TTM11.7825Y39.292-27.509
5Y39.29210Y19.685+19.606

1.4. Solvency of Unicaja Banco SA.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Unicaja Banco SA assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare¬†Unicaja Banco SA to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.04¬†means that Unicaja Banco SA assets are¬†financed with 4.4% credit (debt) and the remaining percentage (100% - 4.4%)¬†is financed by its owners/shareholders.¬†

Let's take a look of the Debt to Asset Ratio trends of Unicaja Banco SA:

  • The MRQ is 0.044. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.044. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.044TTM0.0440.000
TTM0.044YOY0.935-0.891
TTM0.0445Y0.758-0.715
5Y0.75810Y0.850-0.091
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0440.915-0.871
TTM0.0440.916-0.872
YOY0.9350.918+0.017
5Y0.7580.919-0.161
10Y0.8500.926-0.076
1.4.2. Debt to Equity Ratio

Measures if Unicaja Banco SA is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but¬†always compare¬†Unicaja Banco SA to the¬†Banks - Regional industry mean.
  • A Debt to Equity ratio of 63.8% means that company has €0.64 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Unicaja Banco SA:

  • The MRQ is 0.638. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.638. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.638TTM0.6380.000
TTM0.638YOY14.317-13.679
TTM0.6385Y12.175-11.537
5Y12.17510Y14.737-2.562
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.63810.799-10.161
TTM0.63810.909-10.271
YOY14.31711.266+3.051
5Y12.17511.324+0.851
10Y14.73712.886+1.851

2. Market Valuation of Unicaja Banco SA

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures¬†how much money you pay¬†for each share for¬†every €1 in earnings Unicaja Banco SA generates.

  • Above 15 is considered overpriced but¬†always compare¬†Unicaja Banco SA to the¬†Banks - Regional industry mean.
  • A PE ratio of 8.86 means the investor is paying €8.86¬†for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Unicaja Banco SA:

  • The EOD is 12.942. Based on the earnings, the company is underpriced. +1
  • The MRQ is 8.860. Based on the earnings, the company is underpriced. +1
  • The TTM is 8.860. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD12.942MRQ8.860+4.082
MRQ8.860TTM8.8600.000
TTM8.860YOY10.534-1.673
TTM8.8605Y12.678-3.818
5Y12.67810Y10.847+1.831
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD12.9423.571+9.371
MRQ8.8603.418+5.442
TTM8.8604.741+4.119
YOY10.5346.901+3.633
5Y12.6789.496+3.182
10Y10.8479.770+1.077
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Unicaja Banco SA:

  • The EOD is 1.670. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 1.143. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 1.143. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.670MRQ1.143+0.527
MRQ1.143TTM1.1430.000
TTM1.143YOY-0.157+1.300
TTM1.1435Y-1.620+2.763
5Y-1.62010Y0.296-1.916
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.670-2.466+4.136
MRQ1.143-2.360+3.503
TTM1.143-1.072+2.215
YOY-0.1576.461-6.618
5Y-1.6200.248-1.868
10Y0.2960.032+0.264
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Unicaja Banco SA is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy¬†(always compare to Banks - Regional industry mean).
  • A PB ratio of 0.03 means the investor is paying €0.03¬†for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of Unicaja Banco SA:

  • The EOD is 0.037. Based on the equity, the company is cheap. +2
  • The MRQ is 0.025. Based on the equity, the company is cheap. +2
  • The TTM is 0.025. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.037MRQ0.025+0.012
MRQ0.025TTM0.0250.000
TTM0.025YOY0.423-0.398
TTM0.0255Y0.384-0.359
5Y0.38410Y0.358+0.026
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.0370.439-0.402
MRQ0.0250.420-0.395
TTM0.0250.439-0.414
YOY0.4230.594-0.171
5Y0.3840.763-0.379
10Y0.3580.991-0.633
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Unicaja Banco SA compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--32.55832.5580%0.034+96383%6.701+386%3.420+852%
Book Value Per Share--34.99434.9940%2.436+1336%8.572+308%4.953+607%
Current Ratio--11.78011.7800%30.350-61%38.426-69%19.277-39%
Debt To Asset Ratio--0.0440.0440%0.935-95%0.758-94%0.850-95%
Debt To Equity Ratio--0.6380.6380%14.317-96%12.175-95%14.737-96%
Dividend Per Share--0.0480.0480%0.025+91%0.693-93%0.352-86%
Eps--0.1000.1000%0.098+3%0.142-29%0.112-11%
Free Cash Flow Per Share--0.7790.7790%-6.563+943%0.033+2253%-0.060+108%
Free Cash Flow To Equity Per Share---0.177-0.1770%-6.424+3520%-0.079-55%-0.121-32%
Gross Profit Margin--0.9430.9430%0.9470%0.936+1%0.934+1%
Intrinsic Value_10Y_max--4.886--------
Intrinsic Value_10Y_min---0.920--------
Intrinsic Value_1Y_max--0.132--------
Intrinsic Value_1Y_min---0.148--------
Intrinsic Value_3Y_max--0.669--------
Intrinsic Value_3Y_min---0.399--------
Intrinsic Value_5Y_max--1.534--------
Intrinsic Value_5Y_min---0.598--------
Market Cap3422860979.200+31%2363055020.0002363055020.0000%2735352286.000-14%2363549341.0340%1830538474.574+29%
Net Profit Margin--0.1330.1330%0.158-16%0.284-53%0.224-41%
Operating Margin--0.1850.1850%0.321-43%0.316-42%0.419-56%
Operating Ratio--0.6460.6460%0.682-5%0.824-22%0.774-16%
Pb Ratio0.037+32%0.0250.0250%0.423-94%0.384-93%0.358-93%
Pe Ratio12.942+32%8.8608.8600%10.534-16%12.678-30%10.847-18%
Price Per Share1.300+32%0.8900.8900%1.031-14%0.895-1%0.694+28%
Price To Free Cash Flow Ratio1.670+32%1.1431.1430%-0.157+114%-1.620+242%0.296+286%
Price To Total Gains Ratio0.040+32%0.0270.0270%17.437-100%8.212-100%15.195-100%
Quick Ratio--11.78211.7820%32.098-63%39.292-70%19.685-40%
Return On Assets--0.0030.0030%0.003-2%0.004-29%0.004-26%
Return On Equity--0.0400.0400%0.043-7%0.064-38%0.067-40%
Total Gains Per Share--32.60632.6060%0.059+55048%7.394+341%3.772+764%
Usd Book Value--100040503800.000100040503800.0000%6959733888.300+1337%24479760111.180+309%14129632725.720+608%
Usd Book Value Change Per Share--35.05535.0550%0.036+96383%7.215+386%3.683+852%
Usd Book Value Per Share--37.67837.6780%2.623+1336%9.230+308%5.333+607%
Usd Dividend Per Share--0.0520.0520%0.027+91%0.746-93%0.379-86%
Usd Eps--0.1080.1080%0.105+3%0.153-29%0.121-11%
Usd Free Cash Flow--2225936201.2232225936201.2230%-18746583051.600+942%69071596.825+3123%-182013551.028+108%
Usd Free Cash Flow Per Share--0.8380.8380%-7.066+943%0.036+2253%-0.064+108%
Usd Free Cash Flow To Equity Per Share---0.191-0.1910%-6.917+3520%-0.085-55%-0.130-32%
Usd Market Cap3685394416.305+31%2544301340.0342544301340.0340%2945153806.336-14%2544833575.4910%1970940775.574+29%
Usd Price Per Share1.400+32%0.9580.9580%1.110-14%0.963-1%0.747+28%
Usd Profit--287159120.100287159120.1000%298866079.200-4%410781076.620-30%323636316.390-11%
Usd Revenue--2163520980.0002163520980.0000%1889528824.200+15%1534932537.660+41%1478701449.480+46%
Usd Total Gains Per Share--35.10735.1070%0.064+55048%7.961+341%4.061+764%
 EOD+4 -4MRQTTM+0 -0YOY+23 -135Y+18 -1810Y+20 -16

3.2. Fundamental Score

Let's check the fundamental score of Unicaja Banco SA based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1512.942
Price to Book Ratio (EOD)Between0-10.037
Net Profit Margin (MRQ)Greater than00.133
Operating Margin (MRQ)Greater than00.185
Quick Ratio (MRQ)Greater than111.782
Current Ratio (MRQ)Greater than111.780
Debt to Asset Ratio (MRQ)Less than10.044
Debt to Equity Ratio (MRQ)Less than10.638
Return on Equity (MRQ)Greater than0.150.040
Return on Assets (MRQ)Greater than0.050.003
Total8/10 (80.0%)

3.3. Technical Score

Let's check the technical score of Unicaja Banco SA based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5053.595
Ma 20Greater thanMa 501.318
Ma 50Greater thanMa 1001.232
Ma 100Greater thanMa 2001.080
OpenGreater thanClose1.309
Total5/5 (100.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-12-312020-12-312021-12-312022-12-312023-12-31
Other Stockholders Equity  1,271,842-142,8901,128,952514,8931,643,845-1,5121,642,333-5,685,377-4,043,044
Total Other Income Expense Net -3-2-51-4-202,382-202,386481,386279,000



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets97,153,000
Total Liabilities4,239,000
Total Stockholder Equity6,644,000
 As reported
Total Liabilities 4,239,000
Total Stockholder Equity+ 6,644,000
Total Assets = 97,153,000

Assets

Total Assets97,153,000
Total Current Assets10,331,000
Long-term Assets31,459,000
Total Current Assets
Cash And Cash Equivalents 10,331,000
Net Receivables 2,232
Inventory -13,680,232
Other Current Assets 13,678,000
Total Current Assets  (as reported)10,331,000
Total Current Assets  (calculated)10,331,000
+/-0
Long-term Assets
Property Plant Equipment 1,766,000
Goodwill 25,995
Long Term Investments 29,608,000
Intangible Assets 85,000
Long-term Assets Other -4,548,086
Long-term Assets  (as reported)31,459,000
Long-term Assets  (calculated)26,936,909
+/- 4,522,091

Liabilities & Shareholders' Equity

Total Current Liabilities877,000
Long-term Liabilities4,239,000
Total Stockholder Equity6,644,000
Total Current Liabilities
Short-term Debt 1,598,504
Accounts payable 176,983
Other Current Liabilities -721,504
Total Current Liabilities  (as reported)877,000
Total Current Liabilities  (calculated)1,053,983
+/- 176,983
Long-term Liabilities
Long-term Liabilities  (as reported)4,239,000
Long-term Liabilities  (calculated)0
+/- 4,239,000
Total Stockholder Equity
Common Stock6,523,000
Retained Earnings 4,043,044
Accumulated Other Comprehensive Income 121,000
Other Stockholders Equity -4,043,044
Total Stockholder Equity (as reported)6,644,000
Total Stockholder Equity (calculated)6,644,000
+/-0
Other
Capital Stock6,523,000
Cash and Short Term Investments 10,331,000
Common Stock Shares Outstanding 2,655,118
Current Deferred Revenue-176,983
Liabilities and Stockholders Equity 97,153,000
Net Debt -6,092,000
Net Invested Capital 10,883,000
Property Plant and Equipment Gross 2,673,934
Short Long Term Debt Total 4,239,000



Balance Sheet

Currency in EUR. All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312006-12-312005-12-312004-12-312003-12-312002-12-312001-12-312000-12-31
> Total Assets 
1,927,060,000
13,357,641
14,781,483
16,234,136
19,054,589
23,013,887
28,267,716
34,184,875
34,192,753
38,155,377
40,714,264
41,242,921
67,950,415
60,311,829
57,240,828
56,331,908
57,504,179
56,707,615
65,544,265
115,549,993
99,003,053
97,153,000
97,153,00099,003,053115,549,99365,544,26556,707,61557,504,17956,331,90857,240,82860,311,82967,950,41541,242,92140,714,26438,155,37734,192,75334,184,87528,267,71623,013,88719,054,58916,234,13614,781,48313,357,6411,927,060,000
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
13,257,324
7,160,826
8,684,784
5,190,999
7,416,717
5,479,636
4,558,815
6,667,189
21,297,503
4,662,908
10,331,000
10,331,0004,662,90821,297,5036,667,1894,558,8155,479,6367,416,7175,190,9998,684,7847,160,82613,257,32400000000000
       Cash And Cash Equivalents 
23,132,000
141,931
187,779
220,802
206,639
445,984
387,785
267,715
1,177,600
3,137,654
2,693,354
7,925,165
611,908
1,578,309
861,707
3,806,387
4,279,594
4,558,811
6,667,189
21,297,503
4,660,918
10,331,000
10,331,0004,660,91821,297,5036,667,1894,558,8114,279,5943,806,387861,7071,578,309611,9087,925,1652,693,3543,137,6541,177,600267,715387,785445,984206,639220,802187,779141,93123,132,000
       Short-term Investments 
45,425,000
570,393
230,763
652,672
295,623
924,740
2,029,864
1,318,703
113,415
2,429,742
6,176,133
11,192,338
3,979,510
827,281
2,150,813
2,341,308
322,762
19,798
0
0
268,574
0
0268,5740019,798322,7622,341,3082,150,813827,2813,979,51011,192,3386,176,1332,429,742113,4151,318,7032,029,864924,740295,623652,672230,763570,39345,425,000
       Net Receivables 
0
0
0
0
0
0
0
0
118
37
48
17
9
8
4
4
4
4
37,018
482,444
908
2,232
2,232908482,44437,01844448917483711800000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
1,965,421
1,201,682
5,697,523
1,100,676
3,791,288
4,145,274
4,300,858
7,326,495
22,524,777
5,739,233
13,678,000
13,678,0005,739,23322,524,7777,326,4954,300,8584,145,2743,791,2881,100,6765,697,5231,201,6821,965,42100000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20,435,987
25,479,978
29,695,887
32,849,000
31,459,000
31,459,00032,849,00029,695,88725,479,97820,435,98700000000000000000
       Property Plant Equipment 
50,296,000
312,497
338,634
348,813
442,512
589,918
585,738
650,116
633,522
622,941
629,293
591,311
1,031,047
1,057,160
1,010,449
872,636
848,638
880,209
837,060
1,392,916
1,286,647
1,766,000
1,766,0001,286,6471,392,916837,060880,209848,638872,6361,010,4491,057,1601,031,047591,311629,293622,941633,522650,116585,738589,918442,512348,813338,634312,49750,296,000
       Goodwill 
465,000
0
0
0
19,263
53,990
52,652
45,765
43,858
41,951
40,044
0
184
184
184
184
56,840
50,671
44,502
38,333
32,164
25,995
25,99532,16438,33344,50250,67156,840184184184184040,04441,95143,85845,76552,65253,99019,263000465,000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
8,513,277
24,764,818
18,538,977
20,076,209
17,892,297
19,090,879
19,546,854
24,914,920
28,154,000
30,778,000
29,608,000
29,608,00030,778,00028,154,00024,914,92019,546,85419,090,87917,892,29720,076,20918,538,97724,764,8188,513,27700000000000
       Intangible Assets 
4,598,000
21,522
20,765
17,553
19,263
58,501
56,026
49,721
4,313
4,207
3,105
3,689
1,771
1,194
782
1,882
62,505
66,225
74,095
79,806
74,750
85,000
85,00074,75079,80674,09566,22562,5051,8827821,1941,7713,6893,1054,2074,31349,72156,02658,50119,26317,55320,76521,5224,598,000
> Total Liabilities 
1,774,060,000
12,315,252
13,586,297
14,869,539
17,475,313
20,640,373
25,345,204
31,277,091
31,600,058
35,609,419
38,683,160
39,159,762
64,658,138
57,055,884
54,057,705
52,429,570
53,586,523
52,737,220
61,539,073
109,223,952
92,539,104
4,239,000
4,239,00092,539,104109,223,95261,539,07352,737,22053,586,52352,429,57054,057,70557,055,88464,658,13839,159,76238,683,16035,609,41931,600,05831,277,09125,345,20420,640,37317,475,31314,869,53913,586,29712,315,2521,774,060,000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
36,041,517
60,293,029
53,298,894
50,887,611
50,007,223
50,726,082
250,279
233,621
206,274
153,639
877,000
877,000153,639206,274233,621250,27950,726,08250,007,22350,887,61153,298,89460,293,02936,041,51700000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
9,841,337
1,207,159
5,818,338
8,115,229
3,499,441
0
0
3,711,771
4,752,805
21,843
1,598,504
1,598,50421,8434,752,8053,711,771003,499,4418,115,2295,818,3381,207,1599,841,33700000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
9,841,337
1,207,159
5,818,338
8,115,229
3,499,441
0
0
0
0
0
0
0000003,499,4418,115,2295,818,3381,207,1599,841,33700000000000
       Accounts payable 
0
0
0
0
0
0
0
0
227,126
264,651
290,427
330,249
539,922
372,742
303,361
264,277
253,484
250,279
233,621
206,274
153,639
176,983
176,983153,639206,274233,621250,279253,484264,277303,361372,742539,922330,249290,427264,651227,12600000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
120,655
249,927
235,901
201,108
157,009
431,365
-250,279
-233,621
-206,274
-153,639
-721,504
-721,504-153,639-206,274-233,621-250,279431,365157,009201,108235,901249,927120,65500000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
744,030
751,689
3,078,510
153,639
4,239,000
4,239,000153,6393,078,510751,689744,03000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
362,926
2,497,755
3,329,354
0
03,329,3542,497,755362,926000000000000000000
> Total Stockholder Equity
152,802,000
1,039,825
1,192,489
1,361,496
1,577,704
2,371,003
2,920,626
2,907,502
2,592,444
2,542,380
2,028,408
2,078,675
2,965,915
2,975,838
2,953,077
3,872,660
3,917,236
3,969,917
4,004,719
6,325,615
6,463,504
6,644,000
6,644,0006,463,5046,325,6154,004,7193,969,9173,917,2363,872,6602,953,0772,975,8382,965,9152,078,6752,028,4082,542,3802,592,4442,907,5022,920,6262,371,0031,577,7041,361,4961,192,4891,039,825152,802,000
   Common Stock
2,000
12
12
12
12
12
12
12
800,000
800,000
800,000
800,000
881,288
881,288
922,802
1,610,302
1,610,302
1,610,302
1,579,761
663,708
663,708
6,523,000
6,523,000663,708663,7081,579,7611,610,3021,610,3021,610,302922,802881,288881,288800,000800,000800,000800,000121212121212122,000
   Retained Earnings 
145,430,000
991,762
1,136,871
1,298,829
224,995
251,315
304,727
204,886
149,420
105,815
-577,253
71,410
474,521
186,661
677,791
1,014,132
1,121,976
1,087,773
1,037,364
3,856,639
4,049,739
4,043,044
4,043,0444,049,7393,856,6391,037,3641,087,7731,121,9761,014,132677,791186,661474,52171,410-577,253105,815149,420204,886304,727251,315224,9951,298,8291,136,871991,762145,430,000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,209,423
1,209,423
1,209,423
0
01,209,4231,209,4231,209,423000000000000000000
   Treasury Stock0000000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
1,643,024
1,636,565
1,805,661
1,207,265
1,610,106
1,907,889
1,352,484
1,248,226
1,184,958
1,271,842
1,128,952
1,643,845
1,642,333
-4,043,044
-4,043,0441,642,3331,643,8451,128,9521,271,8421,184,9581,248,2261,352,4841,907,8891,610,1061,207,2651,805,6611,636,5651,643,02400000000



Balance Sheet

Currency in EUR. All numbers in thousands.




Cash Flow

Currency in EUR. All numbers in thousands.




Income Statement

Currency in EUR. All numbers in thousands.