Unicaja BancoXMAD:UNI -0.44%56 Dividend Yield % is 5.43% as of Jun. 24, 2026, which is 32% above its 10-year median of 4.11. 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 1,252 Banks companies, Unicaja Banco ranks better than 80.19% on this metric.
As of today (2026-06-24), the Trailing Annual Dividend Yield of Unicaja Banco is 5.43%.
The historical rank and industry rank for Unicaja Banco's Dividend Yield % or its related term are showing as below:
XMAD:UNI'
s Dividend Yield % Range Over the Past 10 Years
Min: 0.77 Med: 4.11 Max: 9.05
Current: 5.43
During the past 13 years, the highest Dividend Yield of Unicaja Banco was 9.05%. The lowest was 0.77%. And the median was 4.11%.
XMAD:UNI's Dividend Yield % is ranked better than 80.19% of 1252
companies
in the Banks industry
Industry Median: 3.04
vs XMAD:UNI: 5.43
During the past 12 months, Unicaja Banco's average Dividends Per Share Growth Rate was 27.30% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 77.60% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Unicaja Banco was 130.30% per year. The lowest was -24.60% per year. And the median was 32.30% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
The historical data trend for Unicaja Banco's Dividend Yield % 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 Dividend Yield %, along with its competitors' market caps and Dividend Yield % 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 Dividend Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Unicaja Banco's Dividend Yield % distribution charts can be found below:
* The bar in red indicates where Unicaja Banco's Dividend Yield % falls into.
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
Unicaja Banco Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
EUR 0.106560
2026-04-21
2026-04-22
2026-04-23
Cash Dividend
semi-annually
EUR:EUR 1.000000
EUR 0.066000
2025-09-23
2025-09-24
2025-09-25
Cash Dividend
semi-annually
EUR:EUR 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Unicaja Banco's Trailing Annual Dividend Yield (%) for Today is calculated as
Trailing Annual Dividend Yield
=
Most Recent Full Year Dividend
/
Current Share Price
=
0.17256
/
3.18
=
5.43 %
Current Share Price is €3.18. Unicaja Banco's Dividends per Share for the trailing twelve months (TTM) ended in Today is €0.17256.
Unicaja Banco's Forward Annual Dividend Yield (%) for Today is calculated as
Forward Annual Dividend Yield
=
Forward Full Year Dividend
/
Current Share Price
=
0.21312
/
3.18
=
6.70 %
Current Share Price is €3.18. Unicaja Banco's Dividends per Share for the forward twelve months is calculated as €0.10656 * 2 = €0.21312.
* 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 Dividend Yield % of 5.43% as of Jun. 24, 2026. Dividend yield is the ratio of company dividends to the share price. View historical data on Unicaja Banco and its competitors. This is 32% above median its historical median of 4.11. Over the past decade, Unicaja Banco's Dividend Yield % has ranged from 0.77 to 9.05. According to the industry distribution chart, Unicaja Banco ranks #248 out of 1252 companies in the Banks industry, placing it in the top 19.8%.
Is Unicaja Banco's Dividend Yield % too high?
Unicaja Banco's current Dividend Yield % of 5.43% is 32% above median its 10-year median of 4.11. 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 Dividend Yield % is 3.04. Unicaja Banco's value of 5.43% is 78.6% above this industry median. Based on the distribution chart, Unicaja Banco ranks #248 out of 1252 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Dividend Yield % compare to PNC and USB?
According to the Banks industry distribution chart, Unicaja Banco ranks #248 out of 1252 companies for Dividend Yield %. This places Unicaja Banco in the top 20% of its industry — outperforming the majority of peers. The industry median Dividend Yield % is 3.04. Unicaja Banco's value of 5.43% is 78.6% above this benchmark. Historically, Unicaja Banco's own Dividend Yield % has ranged from 0.77 to 9.05 over the past decade. While the company's 10-year median is 4.11 vs. the industry median of 3.04, 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 Dividend Yield % for a Banks company?
The median Dividend Yield % among Banks companies is 3.04, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Unicaja Banco's current Dividend Yield % of 5.43% is 78.6% 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 Dividend Yield % mean?
A high Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Dividend yield is the ratio of company dividends to the share price. View historical data on Unicaja Banco and its competitors. For the Banks industry, the median Dividend Yield % is 3.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unicaja Banco's current Dividend Yield % is 5.43%, which is 32% above median its own 10-year median of 4.11. 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 Dividend Yield % is 5.43%, which is 32% above median its 10-year median of 4.11 and 78.6% above the Banks industry median of 3.04. 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 Dividend Yield % calculated?
Dividend Yield % is calculated from a company's financial statements. For Unicaja Banco (XMAD:UNI), the current Dividend Yield % is 5.43% as of Jun. 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 €3.18 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:
Dividend Yield %: 5.43% (32% above median its 10-year median of 4.11)
GF Value™: €1.42 vs. price of €3.18 (123.9% above fair value)
Industry Position: 78.6% above the Banks median (#248 of 1252)
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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