CABK Stock Analysis: Caixabank | MC
Banks - Regional | MC, Spain | Market Cap: 81.590m EUR | 12M Return: 39.9% | ES0140609019 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 83.5M
EPS Trend: 91.7%
Qual. Beats: 3
Rev. Trend: -42.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
CaixaBank, S.A. is a Spanish financial institution headquartered in Valencia that provides a broad range of banking and financial services to individuals and businesses across Spain, Portugal, and select international markets. The company operates through four core segments: Retail Banking, Business Banking, Private Banking, and Corporate & Investment Banking (CIB). Founded in 1904 and formerly known as Criteria CaixaCorp before its 2011 rebranding, CaixaBank is listed on the Madrid Stock Exchange and is classified as a large-cap diversified bank.
Beyond traditional banking, CaixaBank has built an expansive service portfolio that includes life and non-life insurance, pension fund and asset management, consumer finance, vehicle and equipment leasing, real estate development and management, venture capital activities, digital services, IT and back-office administration, and reinsurance. This wide-ranging offering reflects the integrated business model common to European diversified banks, which typically combine retail and commercial banking with insurance, wealth management, and investment banking under a single platform to serve both individual and corporate clients across multiple revenue streams.
- ECB rate cuts compress net interest margin outlook
- Bankia integration synergies sustain cost efficiency gains
- VidaCaixa insurance and fee income diversify revenue mix
| Net Income: 6.46b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 3.66 > 1.0 |
| NWC/Revenue: -1.85k% < 20% (prev -1.71k%; Δ -145.1% < -1%) |
| CFO/TA 0.06 > 3% & CFO 42.4b > Net Income 6.46b |
| Net Debt (52.7b) to EBITDA (9.74b): 5.41 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.95b) vs 12m ago -1.25% < -2% |
| Gross Margin: 68.82% > 18% (prev 64.45%; Δ 4.37% > 0.5%) |
| Asset Turnover: 3.38% > 50% (prev 3.49%; Δ -0.11% > 0%) |
| Interest Coverage Ratio: 1.28 > 6 (EBIT TTM 8.92b / Interest Expense TTM 6.96b) |
| A: -0.62 (Total Current Assets 28.1b - Total Current Liabilities 451b) / Total Assets 683b |
| B: 0.01 (Retained Earnings 4.96b / Total Assets 683b) |
| C: 0.01 (EBIT TTM 8.92b / Avg Total Assets 674b) |
| D: 0.06 (Book Value of Equity 39.7b / Total Liabilities 643b) |
| Altman-Z'' = -3.88 = D |
As of November 12, 2026, the stock is trading at EUR 12.46 with a total of 6,491,330 shares traded. Over the past week, the price has changed by +4.71%, over one month by +5.99%, over three months by -2.16% and over the past year by +39.94%.
Current recommended Stop Loss: 11.90 (which is 4.5% or 1.6 ATR below the current price).
Caixabank has no consensus analysts rating.
P/E Trailing = 12.7772
P/E Forward = 11.534
P/S = 5.1253
P/B = 2.0745
P/EG = 0.9391
Revenue TTM = 22.8b EUR
EBIT TTM = 8.92b EUR
EBITDA TTM = 9.74b EUR
Long Term Debt = unknown (none)
Short Term Debt = 29.0b EUR (from shortTermDebt, last fiscal year)
Debt = 80.9b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 52.7b EUR (calculated: Debt 80.9b - CCE 28.1b)
Enterprise Value = 134b EUR (81.6b + Debt 80.9b - CCE 28.1b)
Interest Coverage Ratio = 1.28 (Ebit TTM 8.92b / Interest Expense TTM 6.96b)
EV/FCF = 3.20x (Enterprise Value 134b / FCF TTM 42.0b)
FCF Yield = 31.25% (FCF TTM 42.0b / Enterprise Value 134b)
FCF Margin = 184.1% (FCF TTM 42.0b / Revenue TTM 22.8b)
Net Margin = 28.31% (Net Income TTM 6.46b / Revenue TTM 22.8b)
Gross Margin = 68.82% ((Revenue TTM 22.8b - Cost of Revenue TTM 7.11b) / Revenue TTM)
Gross Margin QoQ = 68.01% (prev 68.84%)
Tobins Q-Ratio = 0.20 (Enterprise Value 134b / Total Assets 683b)
Interest Expense / Debt = 8.60% (Interest Expense 6.96b / Debt 80.9b)
Taxrate = 30.15% (2.65b / 8.80b)
NOPAT = 6.23b (EBIT 8.92b * (1 - 30.15%))
Current Ratio = 0.06 (Total Current Assets 28.1b / Total Current Liabilities 451b)
Debt / Equity = 2.03 (Debt 80.9b / totalStockholderEquity, last quarter 39.7b)
Debt / EBITDA = 5.41 (Net Debt 52.7b / EBITDA 9.74b)
Debt / FCF = 1.26 (Net Debt 52.7b / FCF TTM 42.0b)
Total Stockholder Equity = 38.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.96% (Net Income 6.46b / Total Assets 683b)
RoE = 16.77% (Net Income TTM 6.46b / Total Stockholder Equity 38.5b)
RoCE = 3.84% (EBIT 8.92b / Capital Employed (Total Assets 683b - Current Liab 451b))
RoIC = 2.40% (NOPAT 6.23b / Invested Capital 260b)
WACC = 6.36% (E(81.6b)/V(162b) * Re(6.71%) + D(80.9b)/V(162b) * Rd(8.60%) * (1-Tc(0.30)))
Discount Rate = 6.71% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.23 | Cagr: -1.95%
[DCF] Terminal Value 77.97% ; FCFF base≈31.8b ; Y1≈36.4b ; Y5≈53.6b
[DCF] Fair Price = 108.7 (EV 807b - Net Debt 52.7b = Equity 754b / Shares 6.94b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 91.66 | EPS CAGR: 11.37% | SUE: 1.72 | # QB: 3
Revenue Correlation: -42.69 | Revenue CAGR: -2.27% | SUE: 0.33 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.25 | Chg30d=-1.96% | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=0.93 | Chg30d=+0.54% | Revisions=-30% | GrowthEPS=+12.4% | GrowthRev=+5.4%
EPS next Year (2027-12-31): EPS=1.09 | Chg30d=-0.79% | Revisions=-50% | GrowthEPS=+16.4% | GrowthRev=+11.0%
[Analyst] Revisions Ratio: -42% (up=4, down=12)