The earnings call reflects a generally positive outlook for CaixaBank, with strong growth in volumes, improved guidance, and robust economic performance in Spain. However, challenges such as the impact of the banking tax, tariff concerns, and the current trough in net interest income present areas of caution. Overall, the positive elements outweigh the negative, indicating a healthy trajectory for the bank.

Company Guidance -

Q3 2025

In the second quarter of 2025, CaixaBank reported a strong performance, leading to an improvement in their guidance for the year. Key metrics highlighted include a 4.8% year-on-year growth in performing loans, a 7% increase in deposits, and an 8% rise in wealth management. The bank's net income increased by 10%, with a return on tangible equity of 18.5%. The NPL ratio stood at 2.3%, and the cost of risk was 24 basis points over the last 12 months. The bank also revised its revenue guidance for services to the upper part of the mid-single-digit range and reduced its cost of risk guidance to around 25 basis points. Additionally, Spain's GDP increased by 0.7% quarter-on-quarter, contrasting with a 0.1% growth in the Eurozone, reflecting the better performance of the Spanish economy. The bank remains optimistic about its future performance, thanks to its improving market share, robust capital and liquidity positions, and strategic initiatives such as digital transformation and customer acquisition.

Strong Volume Growth

Performing loans increased by 4.8% year-on-year, deposits rose by 7%, and Wealth Management grew by 8% year-on-year. These metrics indicate a strong performance and improving market share.

Improved Guidance

Guidance for revenues from services has been upgraded to mid-single-digit growth, cost of risk guidance reduced to around 25 basis points, and return on tangible equity above 16%.

Solid Economic Performance

Spain's GDP grew by 0.7% quarter-on-quarter, significantly outpacing the Eurozone's 0.1% growth, indicating strong economic conditions in Spain.

Technological and Strategic Advancements

Introduction of platforms like Facilitea Casa and Coches, offering new services and significantly growing vehicle financing business by 34% year-on-year.

Noninterest-Bearing Deposit Growth

Significant growth in noninterest-bearing deposits, adding over €5 billion in a single quarter.

CaixaBank SA (CAIXY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CAIXY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 31, 2025	2025 (Q3)	- / -	0.08	―	―	―
Jul 30, 2025	2025 (Q2)	- / 0.08	0.082	-4.88% (>-0.01)
Apr 30, 2025	2025 (Q1)	- / 0.07	0.05	46.00% (+0.02)
Jan 30, 2025	2024 (Q4)	- / 0.08	0.056	37.50% (+0.02)
Oct 31, 2024	2024 (Q3)	- / 0.08	0.074	8.11% (<+0.01)
Jul 31, 2024	2024 (Q2)	- / 0.08	0.062	32.26% (+0.02)
Apr 30, 2024	2024 (Q1)	- / 0.05	0.041	21.95% (<+0.01)
Feb 02, 2024	2023 (Q4)	- / 0.06	0.031	80.65% (+0.03)
Oct 27, 2023	2023 (Q3)	- / 0.07	0.039	89.74% (+0.03)
Jul 28, 2023	2023 (Q2)	- / 0.06	0.039	58.97% (+0.02)

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
Jul 30, 2025	$3.07	$3.16	+2.93%
Apr 30, 2025	$2.65	$2.55	-3.77%
Jan 30, 2025	$2.00	$1.98	-1.00%
Oct 31, 2024	$1.92	$1.94	+1.04%

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 (CAIXY) report earnings?

CaixaBank (CAIXY) is schdueled to report earning on Oct 31, 2025, TBA (Confirmed).

What is CaixaBank (CAIXY) earnings time?

CaixaBank (CAIXY) earnings time is at Oct 31, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

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What is CAIXY EPS forecast?

Currently, no data Available

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