Unicaja Banco, S.A.

Factors to consider:

• Company pays dividends (annually): last record date 2025-09-24, amount 0.06$ (Y1.97%)
• Earnings for 9 months up through Q3 are below our estimates

Stock Forecast*

* forecast is subjective and experimental, should not be used for any investment decisions

Long term estimates were made for the period from 2024-12-31 to 2026-12-31

• 2024-12-31 to 2025-12-31 estimated range: [1.38$, 1.99$]
• 2025-12-31 to 2026-12-31 estimated range: [1.59$, 2.25$]

Financial Metrics affecting the UNJCF estimates:

• Positive: with PPE of 5.3 at the end of fiscal year the price was very low
• Positive: Operating profit margin, % of 24.86 > 18.64
• Negative: Operating cash flow per share per price, % of -11.73 <= 0.33
• Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
• Negative: Shareholder equity ratio, % of 6.92 <= 18.93
• Positive: Industry earnings per price (median), % of 6.49 > 4.43
• Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.59
• Positive: Investing cash flow per share per price, % of 7.72 > -0.66
• Positive: Inventory ratio change, % of 0 <= 0
• Negative: -0.15 < Industry inventory ratio change (median), % of 0