Unicaja Banco SA
MAD:UNI
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Intrinsic Value
The intrinsic value of 
Unicaja Banco SA (UNI) under the Base Case is 2.91 EUR per share.
Compared with the current market price of 3.48 EUR, the stock appears
Overvalued by 16% .
The intrinsic value is calculated using the DCF method. The model assumes revenue grows about 2% a year over the next five years, less than a third of its five-year pace of 17%. If revenue grew at its five-year pace of 17%, the estimate would be about €5.79.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Unicaja Banco Does
Unicaja Banco is a Spanish retail bank. It takes deposits, makes mortgages and other consumer and business loans, and sells everyday banking services such as current accounts, cards, payments, and savings products. Its main customers are households, small businesses, and local firms, especially in the parts of Spain where it has a strong branch and customer base.
- Headquarters
- Spain ES
- Employees
- 7 274
- IPO date
- Jun 30, 2017
What is the Intrinsic Value of one UNI stock?
The intrinsic value for Unicaja Banco SA (UNI) under the Base Case is 2.91 EUR.
Is UNI stock undervalued or overvalued?
Compared with the current market price of 3.48 EUR, the stock appears Overvalued by 16% .
