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Unicaja Banco SA (UNI.MC) — Quality & forensics

As of 2026-09-18 — refreshed nightly. Closelook readings from an investment research diary, not ratings or advice.

The Closelook module scores

47 /100 composite · 7 modules · general weight set

Scores are computed nightly across the coverage universe and read relative to it — the methodology lives in the company-scoring explainer.

Financial forensics — the academic screens

-0.61 Altman Z-Score

Sits in the distress zone (below 1.81). The Z-Score estimates financial-distress risk from five balance-sheet and earnings ratios.

6/8 Piotroski F-Score

Nine binary fundamental-strength checks across profitability, leverage and operating efficiency.

10137.58 Beneish M-Score

Screens reported earnings for statistical manipulation patterns — above the −1.78 threshold the literature flags for earnings-manipulation risk. A screen, not an accusation.

Continue: the UNI.MC chart & overview

FAQ · from the current data · as of 2026-09-18

Quick answers

What is Unicaja Banco SA's Closelook quality reading?

The composite reads 47/100 across 7 modules, as of 2026-09-18: valuation 49, quality 54, growth 47, balance sheet 9, cash quality 20, capital allocation 70, momentum 86. Closelook scores are research diary readings, not ratings or investment advice.

What is Unicaja Banco SA's Altman Z-Score?

-0.61, which sits in the distress zone (below 1.81) as of 2026-09-18. The Altman Z-Score estimates financial distress risk from five balance-sheet and earnings ratios.

What is Unicaja Banco SA's Piotroski F-Score?

6 of 8, as of 2026-09-18. The F-Score counts nine binary fundamental-strength signals across profitability, leverage and operating efficiency.

What does Unicaja Banco SA's Beneish M-Score indicate?

10137.58 — above the −1.78 threshold the literature flags for earnings-manipulation risk, as of 2026-09-18. The M-Score screens reported earnings for statistical manipulation patterns; it is a screen, not an accusation.

Related in the Closelook universe

then Banks - Regional. Scored names rank on their Closelook score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.