Unicaja Banco SA (UNI) - Net Assets

Latest as of December 2025: €7.09 Billion EUR ≈ $8.29 Billion USD

Based on the latest financial reports, Unicaja Banco SA (UNI) has net assets worth €7.09 Billion EUR (≈ $8.29 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€98.43 Billion ≈ $115.07 Billion USD) and total liabilities (€91.34 Billion ≈ $106.78 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check UNI financial resilience to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	€7.09 Billion
% of Total Assets	7.2%
Annual Growth Rate	-11.56%
5-Year Change	12.09%
10-Year Change	122.77%
Growth Volatility	29.92

Unicaja Banco SA - Net Assets Trend (2000–2025)

This chart illustrates how Unicaja Banco SA's net assets have evolved over time, based on quarterly financial data. Also explore total assets of Unicaja Banco SA for the complete picture of this company's asset base.

Annual Net Assets for Unicaja Banco SA (2000–2025)

The table below shows the annual net assets of Unicaja Banco SA from 2000 to 2025. For live valuation and market cap data, see UNI stock market capitalisation.

Year	Net Assets	Change
2025-12-31	€7.09 Billion ≈ $8.29 Billion	+5.21%
2024-12-31	€6.74 Billion ≈ $7.88 Billion	+1.42%
2023-12-31	€6.65 Billion ≈ $7.77 Billion	+2.82%
2022-12-31	€6.46 Billion ≈ $7.56 Billion	+2.18%
2021-12-31	€6.33 Billion ≈ $7.40 Billion	+57.95%
2020-12-31	€4.01 Billion ≈ $4.68 Billion	+0.88%
2019-12-31	€3.97 Billion ≈ $4.64 Billion	+1.35%
2018-12-31	€3.92 Billion ≈ $4.58 Billion	+0.39%
2017-12-31	€3.90 Billion ≈ $4.56 Billion	+22.59%
2016-12-31	€3.18 Billion ≈ $3.72 Billion	-2.24%
2015-12-31	€3.26 Billion ≈ $3.81 Billion	-1.10%
2014-12-31	€3.29 Billion ≈ $3.85 Billion	+58.04%
2013-12-31	€2.08 Billion ≈ $2.44 Billion	+2.56%
2012-12-31	€2.03 Billion ≈ $2.37 Billion	-20.22%
2011-12-31	€2.55 Billion ≈ $2.98 Billion	-1.80%
2010-12-31	€2.59 Billion ≈ $3.03 Billion	-10.84%
2009-12-31	€2.91 Billion ≈ $3.40 Billion	-0.50%
2006-12-31	€2.92 Billion ≈ $3.42 Billion	+23.13%
2005-12-31	€2.37 Billion ≈ $2.77 Billion	+50.29%
2004-12-31	€1.58 Billion ≈ $1.85 Billion	+15.73%
2003-12-31	€1.36 Billion ≈ $1.60 Billion	+14.17%
2002-12-31	€1.20 Billion ≈ $1.40 Billion	+14.66%
2001-12-31	€1.04 Billion ≈ $1.22 Billion	-99.32%
2000-12-31	€153.00 Billion ≈ $178.87 Billion	--

Equity Component Analysis

This analysis shows how different components contribute to Unicaja Banco SA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have decreased by 96.9% over the analyzed period, potentially due to dividend distributions or operating losses.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	€4.45 Billion	68.18%
Common Stock	€642.86 Million	9.85%
Other Comprehensive Income	€229.89 Million	3.52%
Other Components	€1.20 Billion	18.44%
Total Equity	€6.53 Billion	100.00%

Unicaja Banco SA Competitors by Market Cap

The table below lists competitors of Unicaja Banco SA ranked by their market capitalization.

Company	Market Cap
Hunan Gold Corp Ltd SHE:002155	$6.65 Billion
Capital Securities Corp. Ltd. SHG:601136	$6.65 Billion
Federal Signal Corporation NYSE:FSS	$6.65 Billion
Beijer Ref AB (publ) ST:BEIJ-B	$6.66 Billion
Kesko Oyj HE:KESKOB	$6.64 Billion
International Games System Co Ltd TWO:3293	$6.64 Billion
Blue Owl Capital Inc NYSE:OWL	$6.63 Billion
First International Bank of Israel Ltd TA:FIBI	$6.63 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Unicaja Banco SA's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 6,739,712,000 to 6,526,050,000, a change of -213,662,000 (-3.2%).
Net income of 632,000,000 contributed positively to equity growth.
Dividend payments of 358,470,000 reduced retained earnings.
Share repurchases of 190,759,000 reduced equity.
Other comprehensive income decreased equity by 415,582,000.
Other factors increased equity by 119,149,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	€632.00 Million	+9.68%
Dividends Paid	€358.47 Million	-5.49%
Share Repurchases	€190.76 Million	-2.92%
Other Comprehensive Income	€-415.58 Million	-6.37%
Other Changes	€119.15 Million	+1.83%
Total Change	€-	-3.17%

Book Value vs Market Value Analysis

This analysis compares Unicaja Banco SA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.09x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has increased from 0.85x to 1.09x over the analyzed period, suggesting growing market confidence.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2010-12-31	€3.24	€2.76	x
2011-12-31	€3.18	€2.76	x
2012-12-31	€2.54	€2.76	x
2013-12-31	€2.60	€2.76	x
2014-12-31	€3.21	€2.76	x
2015-12-31	€3.09	€2.76	x
2016-12-31	€3.06	€2.76	x
2017-12-31	€2.96	€2.76	x
2018-12-31	€2.44	€2.76	x
2019-12-31	€2.47	€2.76	x
2020-12-31	€2.53	€2.76	x
2021-12-31	€3.11	€2.76	x
2022-12-31	€2.44	€2.76	x
2023-12-31	€2.50	€2.76	x
2024-12-31	€2.62	€2.76	x
2025-12-31	€2.54	€2.76	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Unicaja Banco SA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 9.68%
The company has moderate efficiency in generating returns from equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 24.50%
• Asset Turnover: 0.03x
• Equity Multiplier: 15.08x
Recent ROE (9.68%) is above the historical average (4.37%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2010	5.76%	15.20%	0.03x	13.19x	€-109.82 Million
2011	4.16%	13.83%	0.02x	15.01x	€-148.42 Million
2012	-28.46%	-80.01%	0.02x	20.07x	€-780.09 Million
2013	3.44%	6.64%	0.03x	19.84x	€-136.46 Million
2014	16.00%	32.99%	0.02x	22.91x	€177.93 Million
2015	6.27%	10.98%	0.03x	20.27x	€-110.92 Million
2016	4.81%	11.66%	0.02x	19.38x	€-153.19 Million
2017	3.68%	13.02%	0.02x	14.55x	€-244.89 Million
2018	3.89%	13.80%	0.02x	14.68x	€-239.17 Million
2019	4.34%	15.91%	0.02x	14.28x	€-224.71 Million
2020	1.94%	7.53%	0.02x	16.37x	€-322.64 Million
2021	17.60%	81.27%	0.01x	18.27x	€480.64 Million
2022	4.29%	14.28%	0.02x	15.32x	€-368.77 Million
2023	4.01%	8.98%	0.03x	14.62x	€-397.66 Million
2024	8.51%	17.46%	0.03x	14.45x	€-100.64 Million
2025	9.68%	24.50%	0.03x	15.08x	€-20.61 Million

Industry Comparison

This section compares Unicaja Banco SA's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $7,225,335,000
Average return on equity (ROE) among peers: 11.22%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Unicaja Banco SA (UNI)	€7.09 Billion	5.76%	12.88x	$6.65 Billion
Bankinter (BKT)	$4.90 Billion	11.42%	20.92x	$12.50 Billion
Caixabank SA (CABK)	$9.55 Billion	11.02%	2.72x	$74.28 Billion

About Unicaja Banco SA

MC:UNI Spain Banks - Regional

Market Cap

$8.29 Billion

€7.09 Billion EUR

Market Cap Rank

#2975 Global

#26 in Spain

Share Price

€2.76

Change (1 day)

+1.25%

52-Week Range

€1.75 - €2.97

All Time High

€2.97