CABK Stock Analysis: Caixabank | MC
Banks - Regional | MC, Spain | Market Cap: 88.606m EUR | 12M Return: 73.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 70.1M
EPS Trend: 90.3%
Qual. Beats: 1
Rev. Trend: 93.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
CaixaBank, S.A. is a large-cap Spanish diversified bank headquartered in Valencia that provides a broad range of financial products and services to individuals and businesses across Spain, Portugal, and select international markets. The company operates through four main segments: Retail Banking, Business Banking, Private Banking, and Corporate & Investment Banking (CIB), offering services spanning deposit and payment products, lending, insurance (life and non-life), asset and wealth management, pension funds, consumer finance, securities brokerage, and leasing. Beyond core banking, the group also engages in related activities such as real estate management, venture capital, IT services, reinsurance, and digital project development. Originally founded in 1904 and formerly known as Criteria CaixaCorp before adopting its current name in 2011, CaixaBank is classified within the Diversified Banks sub-industry, reflecting its combination of retail, commercial, and investment banking activities under a single platform typical of European universal banking groups.
- ECB rate cuts compress net interest margins
- VidaCaixa insurance unit sustains fee income growth
- Spanish mortgage portfolio NPLs decline as economy strengthens
| Net Income: 5.99b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 3.67 > 1.0 |
| NWC/Revenue: -2.13k% < 20% (prev -2.34k%; Δ 203.8% < -1%) |
| CFO/TA 0.06 > 3% & CFO 42.4b > Net Income 5.99b |
| Net Debt (3.73b) to EBITDA (9.06b): 0.41 < 3 |
| Current Ratio: 0.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.97b) vs 12m ago -1.55% < -2% |
| Gross Margin: 57.64% > 18% (prev 40.34%; Δ 17.30% > 0.5%) |
| Asset Turnover: 2.99% > 50% (prev 2.58%; Δ 0.42% > 0%) |
| Interest Coverage Ratio: 1.17 > 6 (EBIT TTM 8.63b / Interest Expense TTM 7.35b) |
| A: -0.62 (Total Current Assets 46.8b - Total Current Liabilities 464b) / Total Assets 670b |
| B: 0.00 (Retained Earnings 1.57b / Total Assets 670b) |
| C: 0.01 (EBIT TTM 8.63b / Avg Total Assets 653b) |
| D: 0.06 (Book Value of Equity 37.0b / Total Liabilities 633b) |
| Altman-Z'' = -3.93 = D |
As of July 08, 2026, the stock is trading at EUR 12.68 with a total of 4,632,751 shares traded. Over the past week, the price has changed by +2.34%, over one month by +11.48%, over three months by +25.37% and over the past year by +73.23%.
Current recommended Stop Loss: 12.30 (which is 3% or 1.8 ATR below the current price).
Caixabank has no consensus analysts rating.
P/E Trailing = 15.7222
P/E Forward = 14.3678
P/S = 5.7324
P/B = 2.3804
P/EG = 0.9391
Revenue TTM = 19.6b EUR
EBIT TTM = 8.63b EUR
EBITDA TTM = 9.06b EUR
Long Term Debt = unknown (none)
Short Term Debt = 29.0b EUR (from shortTermDebt, last fiscal year)
Debt = 50.5b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.73b EUR (calculated: Debt 50.5b - CCE 46.8b)
Enterprise Value = 92.3b EUR (88.6b + Debt 50.5b - CCE 46.8b)
Interest Coverage Ratio = 1.17 (Ebit TTM 8.63b / Interest Expense TTM 7.35b)
EV/FCF = 2.20x (Enterprise Value 92.3b / FCF TTM 42.0b)
FCF Yield = 45.46% (FCF TTM 42.0b / Enterprise Value 92.3b)
FCF Margin = 214.6% (FCF TTM 42.0b / Revenue TTM 19.6b)
Net Margin = 30.64% (Net Income TTM 5.99b / Revenue TTM 19.6b)
Gross Margin = 57.64% ((Revenue TTM 19.6b - Cost of Revenue TTM 8.29b) / Revenue TTM)
Gross Margin QoQ = none% (prev 68.35%)
Tobins Q-Ratio = 0.14 (Enterprise Value 92.3b / Total Assets 670b)
Interest Expense / Debt = 14.55% (Interest Expense 7.35b / Debt 50.5b)
Taxrate = 31.22% (2.71b / 8.69b)
NOPAT = 5.93b (EBIT 8.63b * (1 - 31.22%))
Current Ratio = 0.10 (Total Current Assets 46.8b / Total Current Liabilities 464b)
Debt / Equity = 1.37 (Debt 50.5b / totalStockholderEquity, last quarter 37.0b)
Debt / EBITDA = 0.41 (Net Debt 3.73b / EBITDA 9.06b)
Debt / FCF = 0.09 (Net Debt 3.73b / FCF TTM 42.0b)
Total Stockholder Equity = 37.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 5.99b / Total Assets 670b)
RoE = 15.83% (Net Income TTM 5.99b / Total Stockholder Equity 37.9b)
RoCE = 4.19% (EBIT 8.63b / Capital Employed (Total Assets 670b - Current Liab 464b))
RoIC = 2.53% (NOPAT 5.93b / Invested Capital 234b)
WACC = 8.42% (E(88.6b)/V(139b) * Re(7.52%) + D(50.5b)/V(139b) * Rd(14.55%) * (1-Tc(0.31)))
Discount Rate = 7.52% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -94.39 | Cagr: -2.43%
[DCF] Terminal Value 77.73% ; FCFF base≈31.8b ; Y1≈36.4b ; Y5≈53.6b
[DCF] Fair Price = 114.0 (EV 797b - Net Debt 3.73b = Equity 793b / Shares 6.96b; r=8.42% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 90.32 | EPS CAGR: 19.15% | SUE: 0.84 | # QB: 1
Revenue Correlation: 93.53 | Revenue CAGR: 11.85% | SUE: 0.02 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.21 | Chg30d=+4.88% | Revisions=+25% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.23 | Chg30d=+2.22% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=0.91 | Chg30d=+0.33% | Revisions=+62% | GrowthEPS=+9.4% | GrowthRev=+6.0%
EPS next Year (2027-12-31): EPS=1.05 | Chg30d=+0.62% | Revisions=+62% | GrowthEPS=+16.1% | GrowthRev=+9.8%
[Analyst] Revisions Ratio: +80% (up=12, down=0)