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UNI.MC

Unicaja Banco, S.A.

EURO STOXX 600
UNI.MC|Financial Services|Banks - Regional|€2.52|P/E 9.6|MCap 6.4B|BME

Last update: Mar 25, 2026 at 04:53

About Unicaja Banco, S.A.

Unicaja Banco, S.A. is a prominent Spanish financial institution headquartered in Málaga, operating as a listed bank within the Ibex 35 index and recognized for its solvency and financial solidity. It traces its origins to historic savings banks, some centuries old, merged starting in 1991 from entities in Ronda, Cádiz, Almería, Málaga, Antequera, and Jaén, evolving into a bank in 2011 and becoming publicly listed in 2017. Key mergers include EspañaDuero in 2018 and Liberbank in 2021, expanding its footprint across Andalusia, Castilla y León, Asturias, Cantabria, Castilla-La Mancha, and Extremadura, where over 80% of its network is concentrated. Unicaja Banco, S.A. follows a universal banking model centered on retail clients, including individuals, families, SMEs, and self-employed professionals, offering accounts, cards, mortgages, loans, savings, investments, insurances, and digital services. With around 1,000 branches, nearly 2,500 ATMs, over 8,000 employees, and more than 4 million customers exclusively in Spain, it emphasizes proximity banking, prudent risk management, innovation, digital transformation, and ESG principles to foster economic and social development while generating long-term value.

Dividend Overview

Dividend Yield

2.61%

Annual Dividend

€0.07

Frequency

Annual

Payout Ratio

56.83%

FCF Payout Ratio

70.39%

Stock Price

€2.52

52-Week Range

€1.25 €3.04

Dividend Health Score

57/ 100Caution

UNI.MC's dividend shows some areas that warrant monitoring. Strengths include a 56.8% earnings payout ratio & 57.3% operating margin. Areas of concern: Volatile profit margin stability & Yes dividend cut. As a financial company, some traditional cash flow metrics are less applicable. The score focuses on earnings-based coverage and profitability.

Based on 8 of 10 metrics

Payout & Coverage

Safe
Earnings Payout Ratio
56.8%Safe
FCF Payout Ratio
70.4%Caution

Balance Sheet

N/A
Net Debt / Total Assets
N/AN/A

Profitability

Caution
Return on Equity
9.2%Caution
Operating Margin
57.3%Very Safe
Profit Margin Stability
VolatileWarning

Dividend Track Record

Caution
Dividend Streak
5 yrsCaution
Dividend Cut
YesDanger
5-Year Dividend CAGR
N/AN/A
Earnings Stability
GrowingVery Safe

Dividend History (2016–2025)

UNI.MC annual dividend per share and yield history

Earnings & Profitability

UNI.MC earnings per share and net profit margin

Key Dates

Next Ex-Dividend Date

April 21, 2026

Next Payment Date

Dividend Growth

3-Year Dividend CAGR

77.50%

5-Year Dividend CAGR

N/A

10-Year Dividend CAGR

N/A

3-Year Total Growth

459.20%

5-Year Total Growth

N/A

10-Year Total Growth

N/A

Income Calculator

UNI.MC Dividend Calculator

Total Investment

€252.20

Annual Income

€6.60

Quarterly Income

€1.65

Monthly Income

€0.55

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Frequently Asked Questions

What is UNI.MC's current dividend yield?
Unicaja Banco, S.A. (UNI.MC) currently has a dividend yield of 2.61%, based on a stock price of €2.52 and an annual dividend of €0.07.
When is UNI.MC's next dividend payment date?
UNI.MC's next ex-dividend date is 2026-04-21 and the next payment date is —. You must own the stock before the ex-dividend date to receive the upcoming payment.
How much does UNI.MC pay in dividends per year?
Unicaja Banco, S.A. paid €0.14 per share in annual dividends in 2025. The dividends are paid annual.
Has UNI.MC been increasing its dividend?
Unicaja Banco, S.A. has grown its dividend at a 5-year CAGR of —.
Is UNI.MC's dividend safe?
Unicaja Banco, S.A. has a payout ratio of 56.83%. A payout ratio below 60% is generally considered sustainable.
How is UNI.MC's Dividend Health Score calculated?
The Dividend Health Score evaluates Unicaja Banco, S.A.'s dividend sustainability across four categories: Payout & Coverage (40%), Balance Sheet (20%), Profitability (20%), and Dividend Track Record (20%). Each metric is rated from "Very Safe" to "Danger" based on industry-standard thresholds, with sector-specific adjustments for financial services companies. The overall score ranges from 0 to 100.

Want to understand how we rate dividend safety? Read our full methodology

Track UNI.MC Dividends with OnlyDividends

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This page is not investment advice. The content is for informational purposes only and should not be construed as a recommendation to buy, sell, or hold any security. Always do your own research and consult a qualified financial advisor before making investment decisions.

Financial data, including dividend history, earnings, balance sheet metrics, and the Dividend Health Score, is provided for informational purposes only. Data may be delayed or differ from official filings. Past performance does not guarantee future results. Always verify with official sources before making investment decisions.

Market data provided by Twelve Data.