Banco Sabadell vs Unicaja (SAB vs UNI)
Banco Sabadell (SAB) vs Unicaja (UNI) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.
Banco Sabadell (SAB) and Unicaja (UNI) compete in banking. Here are Banco Sabadell and Unicaja side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy Banco Sabadell or Unicaja.
Banco Sabadell vs Unicaja: the figures
| Figure | Banco Sabadell | Unicaja |
|---|---|---|
| Share price | €3.58 (November 4, 2026) | €3.31 (November 4, 2026) |
| Market cap | €16.8 billion | €8.5 billion |
| P/E (TTM) | 14.3x | 12.7x |
| Forward P/E | 10.8x | 11.7x |
| Revenue growth (quarter) | -15.1% | +6.8% |
| Net margin (TTM) | 41.6% | 32.8% |
| ROE | 8.9% | 10.1% |
| Dividend yield | 2.01% | 5.90% |
| Beta | 0.51 | 0.37 |
Banco Sabadell and Unicaja figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that Banco Sabadell or Unicaja figure is not available, and we never estimate it.
3 key differences between Banco Sabadell and Unicaja
- Dividend: Unicaja yields 5.90% at today's price and Banco Sabadell yields 2.01%.
- Growth: Unicaja grew sales +6.8% year on year in its latest quarter, against -15.1% for Banco Sabadell.
- Profitability: for every 100 of sales, Banco Sabadell keeps 41.6 as net profit and Unicaja keeps 32.8.
Banco Sabadell or Unicaja: which fits your profile
- If you want growth: Unicaja is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
- If you want income (dividends): Unicaja pays the higher dividend relative to its price.
- If you prefer caution: Unicaja has a less volatile share price, which usually gives more room in a bad year.
- If price is what matters most to you: Unicaja trades on the lower P/E; check first whether that is an opportunity or a sign of a business that grows less.
Neither Banco Sabadell nor Unicaja wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.
How Banco Sabadell and Unicaja make money
Banco Sabadell (SAB)
Sabadell does most of its business in Spain, with a strong presence in Catalonia and the Valencia region. It earns mainly net interest on mortgages and loans, especially to small and midsize companies, its traditional customers, plus fees on accounts, cards, funds and insurance. It sold its British unit TSB to Santander. Full Banco Sabadell analysis.
Unicaja (UNI)
Unicaja is a Spanish retail bank with a strong presence in Andalusia and Castile and León, built partly through its merger with Liberbank. Its core business is mortgages and loans to households and small businesses, funded by deposits, plus fees from funds, insurance and cards. Full Unicaja analysis.
Frequently asked questions: Banco Sabadell vs Unicaja
Is Banco Sabadell or Unicaja the better stock?
Choosing between Banco Sabadell and Unicaja depends on what you are looking for. Unicaja is growing faster right now, and Unicaja trades on the lower P/E. Fintols does not tell you whether to buy Banco Sabadell or Unicaja: it shows you the differences so you can decide.
Which pays a higher dividend, Banco Sabadell or Unicaja?
As of November 4, 2026, Unicaja yields 5.90% and Banco Sabadell yields 2.01%. Also check how much of their profit Banco Sabadell and Unicaja pay out: if it is more than they earn, it cannot last.
Which is more expensive, Banco Sabadell or Unicaja?
On P/E, Banco Sabadell (14.3x) is more expensive than Unicaja (12.7x) as of November 4, 2026. A higher P/E can be justified if earnings grow faster, so compare it with each company's growth in the table.
Can I own both Banco Sabadell and Unicaja?
Yes. Many people spread their money across several companies, such as Banco Sabadell and Unicaja, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying Banco Sabadell or Unicaja.
More comparisons with Banco Sabadell or Unicaja
- Bankinter vs Banco Sabadell
- Nordea vs Banco Sabadell
- CaixaBank vs Banco Sabadell
- Bankinter vs Unicaja
More companies like Banco Sabadell and Unicaja: banking stocks. Educational content about Banco Sabadell and Unicaja, not investment advice.