Unicaja Banco (WBO:UNBA) EV-to-FCF: (As of Jun. 27, 2026)


WBO:UNBA Unicaja Banco SA WBO:UNBA
56 GF Score
Price €3.10
GF Value €1.42
! 6 Warning Signs
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What is Unicaja Banco EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Unicaja Banco's Enterprise Value is €779 Mil. Unicaja Banco's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €0 Mil. Therefore, Unicaja Banco's EV-to-FCF for today is .

The historical rank and industry rank for Unicaja Banco's EV-to-FCF or its related term are showing as below:

WBO:UNBA' s EV-to-FCF Range Over the Past 10 Years
Min: -0.61   Med: 0   Max: 0
Current: -0.61

WBO:UNBA's EV-to-FCF is ranked worse than
100% of 1195 companies
in the Banks industry
Industry Median: 6.52 vs WBO:UNBA: -0.61

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-06-27), Unicaja Banco's stock price is €3.096. Unicaja Banco's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was €0.245. Therefore, Unicaja Banco's PE Ratio (TTM) for today is 12.64.


Unicaja Banco  (WBO:UNBA) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Unicaja Banco's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=3.096/0.245
=12.64

Unicaja Banco's share price for today is €3.096.
Unicaja Banco's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.245.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Unicaja Banco EV-to-FCF Related Terms


Unicaja Banco EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Unicaja Banco's EV-to-FCF 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 EV-to-FCF Chart

Unicaja Banco Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.14 -0.15 -0.21 -0.17 -3.60

Unicaja Banco Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 -3.60 0.00

WBO:UNBA vs PNC, USB: EV-to-FCF Comparison

For the Banks - Regional subindustry, Unicaja Banco's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Unicaja Banco's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Unicaja Banco's EV-to-FCF falls into.


WBO:UNBA
56GF Score
Unicaja Banco SA WBO:UNBA
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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Unicaja Banco EV-to-FCF Calculation

Unicaja Banco's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=778.876/0
=

Unicaja Banco's current Enterprise Value is €779 Mil.
Unicaja Banco's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0 Mil.

* 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.

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:

  • EV-to-FCF:
  • 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

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

€3.10
Price
€1.42
GF Value