Unicaja Banco (XMAD:UNI) Margin of Safety % (DCF Earnings Based): N/A (As of Jun. 24, 2026)


XMAD:UNI Unicaja Banco SA XMAD:UNI
56 GF Score
Price €3.18
GF Value €1.42
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Unicaja Banco Margin of Safety % (DCF Earnings Based)?

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Unicaja Banco's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Earnings Based) is not calculated.

XMAD:UNI vs PNC, USB: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Unicaja Banco's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Unicaja Banco's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Unicaja Banco's Margin of Safety % (DCF Earnings Based) falls into.


XMAD:UNI
56GF Score
Unicaja Banco SA XMAD:UNI
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF Earnings Based): N/A
  • GF Value™: €1.42 vs. price of €3.18 (123.9% above fair value)
  • GF Score™: 56/100 with 6 warning signs

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 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 XMAD:UNI

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.18
Price
€1.42
GF Value