` Comparison: 48CA vs UNI - Alpha Spread
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48CA
vs
UNI

Over the past 12 months, 48CA has outperformed UNI, delivering a return of +91% compared to the UNI's +88% growth.

Valuation Growth Profitability Solvency Stocks Performance
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48CA
UNI
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Stocks Compared:
48CA UNI
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Valuation Comparison

48CA Intrinsic Value
10.79 EUR
Overvaluation 6%
Intrinsic Value
Price
UNI Intrinsic Value
3.062 EUR
Undervaluation 8%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Caixabank SA
SWB:48CA
11.42 EUR
Unicaja Banco SA
MAD:UNI
2.816 EUR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
48CA, UNI

48CA
UNI
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Caixabank SA
Revenue
Unicaja Banco SA
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
48CA, UNI

48CA
UNI
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Caixabank SA
SWB:48CA
FCF is not applicable for financial companies
Unicaja Banco SA
MAD:UNI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

48CA
UNI
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Unicaja Banco SA
Not applicable for financial companies

Operating Margin

48CA
UNI
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Unicaja Banco SA
Not applicable for financial companies

Net Margin

48CA
29.5%
UNI
27.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Unicaja Banco SA

FCF Margin

48CA
UNI
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Unicaja Banco SA
Not applicable for financial companies

ROE

48CA
21.3%
UNI
13.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Unicaja Banco SA

ROA

48CA
1.2%
UNI
1%
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Unicaja Banco SA

ROIC

48CA
UNI
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Unicaja Banco SA
Not applicable for financial companies

ROCE

48CA
UNI
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Unicaja Banco SA
Not applicable for financial companies

Solvency Comparison

Caixabank SA
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Unicaja Banco SA
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
48CA, UNI

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48CA
UNI
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
48CA, UNI

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48CA
UNI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
48CA, UNI

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48CA
UNI
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