Unicaja Banco (WBO:UNBA) E10: €0.00 (As of Mar. 2026)


WBO:UNBA Unicaja Banco SA WBO:UNBA
56 GF Score
Price €3.10
GF Value €1.42
! 6 Warning Signs
View Full Analysis

What is Unicaja Banco E10?

Unicaja Banco WBO:UNBA +0.19% 56 E10 is €0.00 as of Mar. 2026. GuruFocus rates WBO:UNBA with a GF Score™ of 56/100 and a GF Value™ of €1.42. The stock has 6 warning signs investors should review.

Note: As E10 is a main component used to calculate Shiller PE Ratio. If the month end stock price for this stock is zero, result may not be accurate due to the exchange rate between different shares and the data will not be stored into our database. Selected historical data showed in the calculation sectione below is only for demostration purpose.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Unicaja Banco's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.063. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.00 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Unicaja Banco's average E10 Growth Rate was 18.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-06-27), Unicaja Banco's current stock price is €3.096. Unicaja Banco's E10 for the quarter that ended in Mar. 2026 was €0.00. Unicaja Banco's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Unicaja Banco was 24.66. The lowest was 10.69. And the median was 17.28.


Unicaja Banco  (WBO:UNBA) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of Unicaja Banco was 24.66. The lowest was 10.69. And the median was 17.28.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Unicaja Banco E10 Related Terms


Unicaja Banco E10 Historical Data

* Premium members only.

The historical data trend for Unicaja Banco's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Unicaja Banco E10 Chart

Unicaja Banco Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Unicaja Banco Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

WBO:UNBA vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Unicaja Banco's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Unicaja Banco Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Unicaja Banco's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Unicaja Banco's Shiller PE Ratio falls into.


WBO:UNBA
56GF Score
Unicaja Banco SA WBO:UNBA
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Unicaja Banco E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Unicaja Banco's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.063/128.4016*128.4016
=0.063

Current CPI (Mar. 2026) = 128.4016.

Unicaja Banco Quarterly Data

per share eps CPI Adj_EPS
201606 0.000 100.333 0.000
201609 0.060 99.737 0.077
201612 -0.026 101.842 -0.033
201703 0.028 100.896 0.036
201706 0.018 101.848 0.023
201709 0.018 101.524 0.023
201712 0.009 102.975 0.011
201803 0.036 102.122 0.045
201806 0.029 104.165 0.036
201809 0.024 103.818 0.030
201812 0.002 104.193 0.002
201903 0.039 103.488 0.048
201906 0.033 104.612 0.041
201909 0.027 103.905 0.033
201912 0.004 105.015 0.005
202003 0.029 103.469 0.036
202006 0.005 104.254 0.006
202009 0.010 103.521 0.012
202012 -0.004 104.456 -0.005
202103 0.042 104.857 0.051
202106 -0.002 107.102 -0.002
202109 0.020 107.669 0.024
202112 -0.007 111.298 -0.008
202203 0.023 115.153 0.026
202206 0.039 118.044 0.042
202209 0.038 117.221 0.042
202212 0.002 117.650 0.002
202303 0.013 118.948 0.014
202306 0.040 120.278 0.043
202309 0.052 121.343 0.055
202312 -0.007 121.300 -0.007
202403 0.042 122.762 0.044
202406 0.070 124.409 0.072
202409 0.063 123.121 0.066
202412 0.047 124.753 0.048
202503 0.061 125.531 0.062
202506 0.067 127.251 0.068
202509 0.064 126.842 0.065
202512 0.051 128.402 0.051
202603 0.063 128.402 0.063

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.00 mean?
Unicaja Banco (WBO:UNBA) has a E10 of €0.00 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Unicaja Banco and its competitors.
Is Unicaja Banco's E10 too high?
Unicaja Banco's current E10 is €0.00. Overall, Unicaja Banco has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Unicaja Banco's E10 compare to PNC and USB?
Unicaja Banco's E10 of €0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Unicaja Banco and its competitors. Unicaja Banco's current E10 is €0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unicaja Banco stock overvalued right now?
Unicaja Banco (WBO:UNBA) has a current E10 of €0.00. The stock's GF Value™ is €1.42, compared to a current price of €3.10 — trading 118% above its estimated fair value. The current E10 is €0.00. Unicaja Banco's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Unicaja Banco (WBO:UNBA), the current E10 is €0.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Unicaja Banco (WBO:UNBA) Overvalued in 2026?

Based on GuruFocus' analysis, Unicaja Banco stock appears to be overvalued. The current stock price of €3.10 is trading 118% above its estimated GF Value™ of €1.42.

Key valuation signals for WBO:UNBA:

  • E10: €0.00
  • GF Value™: €1.42 vs. price of €3.10 (118% above fair value)
  • GF Score™: 56/100 with 6 warning signs

No single metric tells the full story. See the WBO:UNBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Unicaja Banco Business Description

Address Avenida de Andalucia 10 y 12, Malaga, ESP, 29007
Unicaja Banco SA is a credit institution; its main activity is retail banking. The group's object includes the provision of investment services and other auxiliary services, as well as the performance of insurance agent activities, as an exclusive or related operator, without the simultaneous exercise of both. Its segments are Credit institutions and insurance companies; these are the activities of the Bank and other Group companies engaged in financial services, as well as other ancillary activities carried out by the Group and of immaterial amounts, and central or general services that have not been allocated to any segment, and Other entities, which include the activities carried out by the other Group companies not included in the previous section. The Group operates in Spain.
56GF Score

Get the complete analysis for WBO:UNBA

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.10
Price
€1.42
GF Value