Unicaja Banco, S.A.

Factors to consider:

• Company pays dividends (semi-annually): last record date 2026-04-22, amount 0.12$ (Y7.87%)
• Earnings for 15 months up through Q1 (+1 year) 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: [1.30$, 1.93$]
• 2025-12-31 to 2026-12-31 estimated range: [1.56$, 2.26$]

Financial Metrics affecting the UNJCF estimates:

• Positive: with PPE of 5.3 at the end of fiscal year the price was very low
• Negative: Operating cash flow per share per price, % of -11.73 <= 0.30
• Positive: Operating profit margin, % of 24.86 > 18.65
• Positive: Industry operating profit margin (median), % of 23.76 > 9.99
• Positive: Industry operating cash flow per share per price (median), % of 10.55 > 10.39
• Positive: -3.09 < Return on assets ratio (scaled to [-100,100]) of 0.59
• Positive: Investing cash flow per share per price, % of 7.72 > -0.65
• Positive: Industry inventory ratio change (median), % of 0 <= 0
• Negative: -0.76 < Inventory ratio change, % of 0