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Unicaja Banco (OTCPK:UNJCF) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Unicaja Banco Forward PE Ratio Related Terms
Unicaja Banco Forward PE Ratio Historical Data
* Premium members only.
The historical data trend for Unicaja Banco's Forward PE Ratio 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 Forward PE Ratio Chart
Unicaja Banco Annual Data
Trend
2019-12
2021-12
2023-12
2024-12
2025-12
Forward PE Ratio
6.52
6.46
5.38
5.99
11.01
Unicaja Banco Quarterly Data
2019-09
2019-12
2021-12
2022-03
2023-09
2023-12
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
6.57
6.52
6.46
6.65
5.05
5.38
5.99
7.91
9.03
8.38
11.01
10.45
UNJCF vs PNC, USB: Forward PE Ratio Comparison
For the Banks - Regional subindustry, Unicaja Banco's Forward PE Ratio, along with its competitors' market caps and Forward 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 Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Unicaja Banco's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Unicaja Banco's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Unicaja Banco (UNJCF) has a Forward PE Ratio of 10.45 as of Jul. 16, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Unicaja Banco and its competitors. According to the industry distribution chart, Unicaja Banco ranks #583 out of 819 companies in the Banks industry, placing it in the top 71.2%.
Is Unicaja Banco's Forward PE Ratio too high?
Unicaja Banco's current Forward PE Ratio is 10.45. The Banks industry median Forward PE Ratio is 11.14. Unicaja Banco's value of 10.45 is 6.2% below this industry median. Based on the distribution chart, Unicaja Banco ranks #583 out of 819 companies in the Banks industry, which is below the industry midpoint. Overall, Unicaja Banco has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Unicaja Banco's Forward PE Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Unicaja Banco ranks #583 out of 819 companies for Forward PE Ratio. This places Unicaja Banco in the lower half of its industry. The industry median Forward PE Ratio is 11.14. Unicaja Banco's value of 10.45 is 6.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 11.14, based on 819 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unicaja Banco's current Forward PE Ratio of 10.45 is 6.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Unicaja Banco and its competitors. For the Banks industry, the median Forward PE Ratio is 11.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unicaja Banco's current Forward PE Ratio is 10.45. 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 (UNJCF) has a current Forward PE Ratio of 10.45. The stock's GF Value™ is $1.33, compared to a current price of $3.05 — trading 129.3% above its estimated fair value. The current Forward PE Ratio is 10.45 and 6.2% below the Banks industry median of 11.14. Unicaja Banco's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Unicaja Banco (UNJCF), the current Forward PE Ratio is 10.45 as of Jul. 16, 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 (UNJCF) Overvalued in 2026?
Based on GuruFocus' analysis, Unicaja Banco stock appears to be overvalued.
The current stock price of $3.05 is trading 129.3% above its estimated GF Value™ of $1.33.
Key valuation signals for UNJCF:
Forward PE Ratio: 10.45
GF Value™: $1.33 vs. price of $3.05 (129.3% above fair value)
Industry Position: 6.2% below the Banks median (#583 of 819)
No single metric tells the full story. See the UNJCF 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.
57GF Score
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Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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