The historical rank and industry rank for Unicaja Banco's FCF Margin % or its related term are showing as below:
XMAD:UNI'
s FCF Margin % Range Over the Past 10 Years
Min: -999.05 Med: 67.39 Max: 1116.24
Current: -74.51
During the past 13 years, the highest FCF Margin % of Unicaja Banco was 1116.24%. The lowest was -999.05%. And the median was 67.39%.
XMAD:UNI's FCF Margin % is ranked worse than 89.3% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs XMAD:UNI: -74.51
Unicaja Banco FCF Margin % Related Terms
Unicaja Banco FCF Margin % Historical Data
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The historical data trend for Unicaja Banco's FCF Margin % 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.
For the Banks - Regional subindustry, Unicaja Banco's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Unicaja Banco's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Unicaja Banco's FCF Margin % falls into.
* 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 (XMAD:UNI) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Unicaja Banco and its competitors. According to the industry distribution chart, Unicaja Banco ranks #1344 out of 1505 companies in the Banks industry, placing it in the top 89.3%.
Is Unicaja Banco's FCF Margin % too high?
Unicaja Banco's current FCF Margin % is 0.00%. Based on the distribution chart, Unicaja Banco ranks #1344 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Unicaja Banco has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unicaja Banco's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Unicaja Banco ranks #1344 out of 1505 companies for FCF Margin %. This places Unicaja Banco in the lower half of its industry. The industry median FCF Margin % is 26.42. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Unicaja Banco and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unicaja Banco's current FCF Margin % 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?
Based on GuruFocus' analysis, Unicaja Banco (XMAD:UNI) is currently considered Significantly Overvalued. The stock's GF Value™ is €1.42, compared to a current price of €3.18 — trading 123.9% above its estimated fair value. The current FCF Margin % 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Unicaja Banco (XMAD:UNI), the current FCF Margin % 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 (XMAD:UNI) Overvalued in 2026?
Based on GuruFocus' analysis, Unicaja Banco stock appears to be overvalued.
The current stock price of €3.18 is trading 123.9% above its estimated GF Value™ of €1.42.
GuruFocus considers Unicaja Banco to be Significantly Overvalued.
Key valuation signals for XMAD:UNI:
FCF Margin %: 0.00%
GF Value™: €1.42 vs. price of €3.18 (123.9% above fair value)
No single metric tells the full story. See the XMAD:UNI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
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