UNJCF — Stock Film
STOCK FILMSCENE 1/10UNJCF · $3.05
Stock Expert AI presents
UNJCF
Unicaja Banco S.A
~4 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Unicaja Banco S.A. What it actually does.

Provides retail banking services including accounts, payments, and card services. Offers mortgage and personal loan products to individuals. Now — the numbers.

on the stock market since 2014
7,509 employees
$7.8B market value
Revenue last year:
$3.4B
The net profit left over:
$733M
Out of every $100 of revenue, $21 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 21%

This is an established company with proven profits.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 21% a year over the last 4 years. Every year shown ended in profit.

$1.6B
2021
2022
2023
2024
$3.4B
2025
Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
4 / 8
EXPECTATIONS MET OR BEATEN
4
Oct 2024
Jul 2026
4 TIMES IN THE LAST 8 QUARTERS
A mixed scorecard.
THE PRICE TAG
MARKET VALUE / ANNUAL PROFIT
10.7×

The market pays 10.7× for every dollar of annual profit — cheap, which is either an opportunity or a warning.

No analyst target is on record for this company.

THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/3
A fat but narrowing margin

The net profit margin is 21% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 4 years, sales grew about 21% a year on average.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $0.20 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/1
The stock has lost its spark

The price action doesn’t yet back an upward turn.

FINALE · THE GRADE
grade pending

No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.

One-line summary: few numbers, an untested story. Keep watching.

What would you like to do next?
Open the stock page →

Not covered, because the filings we hold do not carry it: the revenue breakdown.

This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film