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CaixaBank SA (CAIXY)
OTHER OTC:CAIXY
Earnings Data
Report Date
Apr 30, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.07Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call was broadly positive: CaixaBank reported a strong year with balanced volume growth (~7% lending and funds), improved asset quality (NPLs down, cost of risk 22 bps), robust fee engines (wealth/protection) and solid capital (CET1 12.56%) enabling higher shareholder returns (DPS +15%, ongoing buyback). Near-term headwinds include a FY NII decline (–3.9%) that is recovering Q/Q, a subdued recurring banking-fee base, elevated transformation-related costs before efficiency gains arrive, and continued dependence on the rate environment and hedging dynamics for 2027 NII targets. Overall, the positive operational momentum, capital strength and asset-quality improvement materially outweigh the manageable challenges.Company Guidance
Strong full-year profitability
Net income EUR 5.9bn, up 1.8% year-on-year; Return on tangible equity 17.5% (upper end of guidance); EPS +5%; book value per share and dividends growth ~16%.
Robust volume growth and market share gains
Performing lending grew ~7% (mortgages +6.5%, consumer +12.4%, business +7.6%); customer funds up ~6.8%; client base +390,000; client penetration 40.4%; market share increases across lending and deposits (around +10–14 bps).
Recurring revenues and wealth management strength
Revenue from services +5.4% year-on-year; wealth management net inflows ~40%; AUM at year-end ~7% above average 2025 balances; protection insurance +13% and non-life +11.7% driving fee growth.
Improving asset quality
NPL ratio down to 2.07% (–20 bps Q/Q); coverage ratio 77%; cost of risk 22 bps (below guided <25 bps); EUR 311m of unassigned collective provisions retained for protection.
Capital position and shareholder returns
CET1 12.56% (above 12.25% threshold), capital accretion +63 bps; dividend per share +15% to EUR 0.50; ongoing share buyback program (seventh buyback, EUR 0.5bn deployed so far); payout policy maintained at 50–60%.
Strong liquidity and funding metrics
LCR >200%, NSFR ~150%, loan-to-deposit ~87%; non–interest-bearing deposits increased by ~EUR 17bn during the year; deposit costs down ~10 bps Q/Q to ~47 bps (ex-hedges).
Transformation and digital traction
New app #1 rated in Spain; Imagin and onboarding digital sales accelerating (cashback launched Nov with 1.3m clients); Facilitea portal 1.6m visits; vehicle financing +30%; hired ~650 IT professionals; AI rollout (Copilot) with use cases (e.g., ~75% reduction in client interview prep time).
Portugal business outperformance
Portugal (BPI) net income EUR 473m; business volume +7.5%; profitability 19.2%; efficiency improved to ~42%; asset quality NPL ~1.5% with strong coverage.
CAIXY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CAIXY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 30, 2026 | $4.16 | $4.42 | +6.47% |
Oct 31, 2025 | $3.44 | $3.48 | +1.22% |
Jul 30, 2025 | $3.04 | $3.12 | +2.70% |
Apr 30, 2025 | $2.62 | $2.52 | -3.59% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does CaixaBank SA (CAIXY) report earnings?
CaixaBank SA (CAIXY) is schdueled to report earning on Apr 30, 2026, TBA (Confirmed).
What is CaixaBank SA (CAIXY) earnings time?
CaixaBank SA (CAIXY) earnings time is at Apr 30, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CAIXY EPS forecast?
Currently, no data Available