Unicaja Banco, S.A.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$3.05
FAIR PRICE
$3.63
MARGIN
$0.58
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FPI RATING
Attractive valuation, but below-average fundamental quality and elevated debt levels.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$2.90
Fair price × 0.80
DISTANCE
4.8%
Price to entry level
At the current price of $3.05, UNJCF trades 4.8% above the conservative entry level of $2.90. This entry level represents a 20% margin of safety below the calculated fair price of $3.63 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate UNJCF's fair price
Unicaja Banco, S.A.'s fair price of $3.63 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $3.05, UNJCF trades 19.0% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting UNJCF's risk profile.
RELATIVE · 30%
Comparing UNJCF's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for UNJCF, weighted by recency and analyst accuracy.
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Explore on BuliosFAQ
What is the fair price of UNJCF?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Unicaja Banco, S.A. is $3.63. At the current market price of $3.05, UNJCF trades 19.0% below its calculated fair value.
Is UNJCF overvalued or undervalued?+
Unicaja Banco, S.A. is currently undervalued based on our valuation model. The stock trades at $3.05, which is 19.0% below the fair price of $3.63. The P/E ratio of 12.6x is a key metric in the valuation.
What is the margin of safety for UNJCF?+
With a 20% margin of safety applied to the fair price of $3.63, the conservative entry level for UNJCF is $2.90. At the current market price of $3.05, the stock trades 4.8% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is UNJCF's fair price updated?+
We update fair price calculations for UNJCF daily after market close. The current fair price of $3.63 incorporates the latest market data and sector multiples.
What factors affect UNJCF's fair price calculation?+
UNJCF's fair price of $3.63 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 12.6x, ROE of 9.1%, and dividend yield of 6.62%.
Is UNJCF a good buy right now?+
At $3.05, UNJCF trades 19.0% below our fair value estimate of $3.63. The stock is currently undervalued. ROE stands at 9.1% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does UNJCF pay dividends?+
UNJCF has a dividend yield of 6.62%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.