XMADUNI
Market cap3.25bUSD
Dec 20, Last price
1.25EUR
1D
0.00%
1Q
6.84%
IPO
2.46%
Name
Unicaja Banco SA
Chart & Performance
Profile
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 Málaga, Spain.
Valuation
Title EUR in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | 2014‑12 | |
Income | ||||||||||
Revenues | 1,977,103 12.66% | 1,754,926 40.65% | 1,247,682 20.76% | |||||||
Cost of revenue | 109,601 | 123,318 | 92,048 | |||||||
Unusual Expense (Income) | ||||||||||
NOPBT | 1,867,502 | 1,631,608 | 1,155,634 | |||||||
NOPBT Margin | 94.46% | 92.97% | 92.62% | |||||||
Operating Taxes | 104,037 | 101,540 | (91,765) | |||||||
Tax Rate | 5.57% | 6.22% | ||||||||
NOPAT | 1,763,465 | 1,530,068 | 1,247,399 | |||||||
Net income | 266,703 -3.92% | 277,576 -75.07% | 1,113,202 1,330.28% | |||||||
Dividends | (128,576) | (67,338) | (16,909) | |||||||
Dividend yield | 5.44% | 2.46% | 0.96% | |||||||
Proceeds from repurchase of equity | (2,558) | 3,211 | 499,960 | |||||||
BB yield | 0.11% | -0.12% | -28.29% | |||||||
Debt | ||||||||||
Debt current | 21,843 | 4,752,805 | ||||||||
Long-term debt | 43,401 | 4,546,688 | 3,133,153 | |||||||
Deferred revenue | (329,644) | 2,709,073 | ||||||||
Other long-term liabilities | 31,131,922 | (4,324,280) | (3,078,510) | |||||||
Net debt | (39,656,641) | (30,602,895) | (41,634,710) | |||||||
Cash flow | ||||||||||
Cash from operating activities | 2,834,016 | (17,346,351) | 13,958,602 | |||||||
CAPEX | (68,744) | (64,797) | (31,531) | |||||||
Cash from investing activities | 375,223 | 343,377 | 195,288 | |||||||
Cash from financing activities | 168,967 | 367,297 | 476,424 | |||||||
FCF | 40,635,373 | 28,707,645 | (15,575,120) | |||||||
Balance | ||||||||||
Cash | 10,331,000 | 4,662,000 | 21,297,503 | |||||||
Long term investments | 29,369,042 | 30,509,426 | 28,223,165 | |||||||
Excess cash | 39,601,187 | 35,083,680 | 49,458,284 | |||||||
Stockholders' equity | 5,439,402 | 4,821,616 | 4,682,196 | |||||||
Invested Capital | 33,171,760 | 93,683,484 | 115,025,224 | |||||||
ROIC | 2.78% | 1.47% | 1.38% | |||||||
ROCE | 4.84% | 1.65% | 0.96% | |||||||
EV | ||||||||||
Common stock shares outstanding | 2,655,118 | 2,653,106 | 2,033,709 | |||||||
Price | 0.89 -13.68% | 1.03 18.64% | 0.87 21.54% | |||||||
Market cap | 2,363,055 -13.61% | 2,735,352 54.78% | 1,767,293 56.15% | |||||||
EV | (37,291,155) | (27,867,098) | (39,866,991) | |||||||
EBITDA | 1,958,004 | 1,722,008 | 1,224,556 | |||||||
EV/EBITDA | ||||||||||
Interest | 992,674 | 201,597 | 122,004 | |||||||
Interest/NOPBT | 53.16% | 12.36% | 10.56% |