Unicaja BancoXMAD:UNI -0.44%56 Net Margin % is 30.65% as of Mar. 2026, which is 106% above its 10-year median of 14.86. GuruFocus rates XMAD:UNI with a GF Score™ of 56/100 and a GF Value™ of €1.42 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Unicaja Banco ranks better than 64.37% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Unicaja Banco's Net Income for the
three
months ended in Mar. 2026 was €161 Mil. Unicaja Banco's Revenue for the
three
months ended in Mar. 2026 was €525 Mil. Therefore, Unicaja Banco's net margin for the quarter that ended in Mar. 2026 was 30.65%.
The historical rank and industry rank for Unicaja Banco's Net Margin % or its related term are showing as below:
XMAD:UNI'
s Net Margin % Range Over the Past 10 Years
Min: 7.53 Med: 14.86 Max: 89.22
Current: 30.96
XMAD:UNI's Net Margin % is ranked better than 64.37% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XMAD:UNI: 30.96
Unicaja Banco (XMAD:UNI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Unicaja Banco Net Margin % Related Terms
Unicaja Banco Net Margin % Historical Data
* Premium members only.
The historical data trend for Unicaja Banco's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Unicaja Banco's Net Margin % distribution charts can be found below:
* The bar in red indicates where Unicaja Banco's Net 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 Net Margin % of 30.65% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Unicaja Banco and its competitors. This is 106% above median its historical median of 14.86. Over the past decade, Unicaja Banco's Net Margin % has ranged from 7.53 to 89.22. According to the industry distribution chart, Unicaja Banco ranks #544 out of 1527 companies in the Banks industry, placing it in the top 35.6%.
Is Unicaja Banco's Net Margin % too high?
Unicaja Banco's current Net Margin % of 30.65% is 106% above median its 10-year median of 14.86. Over the past 10 years, this metric has ranged from a low of 7.53 to a high of 89.22. The Banks industry median Net Margin % is 26.95. Unicaja Banco's value of 30.65% is 13.7% above this industry median. Based on the distribution chart, Unicaja Banco ranks #544 out of 1527 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Unicaja Banco ranks #544 out of 1527 companies for Net Margin %. This puts Unicaja Banco in the upper half of its industry. The industry median Net Margin % is 26.95. Unicaja Banco's value of 30.65% is 13.7% above this benchmark. Historically, Unicaja Banco's own Net Margin % has ranged from 7.53 to 89.22 over the past decade. While the company's 10-year median is 14.86 vs. the industry median of 26.95, Unicaja Banco has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unicaja Banco's current Net Margin % of 30.65% is 13.7% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Unicaja Banco and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unicaja Banco's current Net Margin % is 30.65%, which is 106% above median its own 10-year median of 14.86. 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 Net Margin % is 30.65%, which is 106% above median its 10-year median of 14.86 and 13.7% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Unicaja Banco (XMAD:UNI), the current Net Margin % is 30.65% 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:
Net Margin %: 30.65% (106% above median its 10-year median of 14.86)
GF Value™: €1.42 vs. price of €3.18 (123.9% above fair value)
Industry Position: 13.7% above the Banks median (#544 of 1527)
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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