Unicaja Banco (XMAD:UNI) ROCE %: % (As of Mar. 2026)


XMAD:UNI Unicaja Banco SA XMAD:UNI
56 GF Score
Price €3.10
GF Value €1.42
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Unicaja Banco ROCE %?

Unicaja Banco XMAD:UNI -2.58% 56 ROCE % is % as of Mar. 2026. 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.

ROCE % does not apply to banks and insurance companies.

XMAD:UNI
56GF Score
Unicaja Banco SA XMAD:UNI
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Unicaja Banco (XMAD:UNI) has a ROCE % of % as of Mar. 2026.
Is Unicaja Banco's ROCE % too high?
Unicaja Banco's current ROCE % is %. 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 ROCE % compare to PNC and USB?
Unicaja Banco's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.20, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unicaja Banco's current ROCE % is %. 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 €3.10 — trading 118.2% above its estimated fair value. The current ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Unicaja Banco (XMAD:UNI), the current ROCE % is % 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 €3.10 is trading 118.2% above its estimated GF Value™ of €1.42. GuruFocus considers Unicaja Banco to be Significantly Overvalued.

Key valuation signals for XMAD:UNI:

  • ROCE %: %
  • GF Value™: €1.42 vs. price of €3.10 (118.2% 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

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

€3.10
Price
€1.42
GF Value