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Unicaja BancoXMAD:UNI -2.45%57 5-Year Yield-on-Cost % is 5.16 as of Jul. 24, 2026, which is 24% above its 10-year median of 4.15. GuruFocus rates XMAD:UNI with a GF Score™ of 57/100 and a GF Value™ of €1.43 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,250 Banks companies, Unicaja Banco ranks better than 65.92% on this metric.
Unicaja Banco's yield on cost for the quarter that ended in Mar. 2026 was 5.16.
The historical rank and industry rank for Unicaja Banco's 5-Year Yield-on-Cost % or its related term are showing as below:
XMAD:UNI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.77 Med: 4.15 Max: 9.05
Current: 5.16
During the past 13 years, Unicaja Banco's highest Yield on Cost was 9.05. The lowest was 0.77. And the median was 4.15.
XMAD:UNI's 5-Year Yield-on-Cost % is ranked better than 65.92% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs XMAD:UNI: 5.16
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Unicaja Banco 5-Year Yield-on-Cost % Related Terms
XMAD:UNI vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Unicaja Banco's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Unicaja Banco's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Unicaja Banco's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Unicaja Banco is calculated as
Unicaja Banco (XMAD:UNI) has a 5-Year Yield-on-Cost % of 5.16 as of Jul. 24, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Unicaja Banco and its competitors. This is 24% above median its historical median of 4.15. Over the past decade, Unicaja Banco's 5-Year Yield-on-Cost % has ranged from 0.77 to 9.05. According to the industry distribution chart, Unicaja Banco ranks #426 out of 1250 companies in the Banks industry, placing it in the top 34.1%.
Is Unicaja Banco's 5-Year Yield-on-Cost % too high?
Unicaja Banco's current 5-Year Yield-on-Cost % of 5.16 is 24% above median its 10-year median of 4.15. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 9.05. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Unicaja Banco's value of 5.16 is 32.8% above this industry median. Based on the distribution chart, Unicaja Banco ranks #426 out of 1250 companies in the Banks industry, which is above the industry midpoint. Overall, Unicaja Banco has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Unicaja Banco's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Unicaja Banco ranks #426 out of 1250 companies for 5-Year Yield-on-Cost %. This puts Unicaja Banco in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Unicaja Banco's value of 5.16 is 32.8% above this benchmark. Historically, Unicaja Banco's own 5-Year Yield-on-Cost % has ranged from 0.77 to 9.05 over the past decade. While the company's 10-year median is 4.15 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unicaja Banco's current 5-Year Yield-on-Cost % of 5.16 is 32.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Unicaja Banco and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unicaja Banco's current 5-Year Yield-on-Cost % is 5.16, which is 24% above median its own 10-year median of 4.15. 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 €1.43, compared to a current price of €3.26 — trading 128.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.16, which is 24% above median its 10-year median of 4.15 and 32.8% above the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Unicaja Banco (XMAD:UNI), the current 5-Year Yield-on-Cost % is 5.16 as of Jul. 24, 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 €3.26 is trading 128.1% above its estimated GF Value™ of €1.43.
GuruFocus considers Unicaja Banco to be Significantly Overvalued.
Key valuation signals for XMAD:UNI:
5-Year Yield-on-Cost %: 5.16 (24% above median its 10-year median of 4.15)
GF Value™: €1.43 vs. price of €3.26 (128.1% above fair value)
Industry Position: 32.8% above the Banks median (#426 of 1250)
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.
57GF Score
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