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CaixaBank SA (CAIXY)
OTHER OTC:CAIXY
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CaixaBank SA
(OTC:CAIXY)
Rating:80Outperform
Price Target:―
CaixaBank SA (CAIXY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$72.07B
Dividend Yield5.1%
Average Volume (3M)32.84K
Price to Earnings (P/E)11.2
Beta (1Y)0.37
Revenue Growth-2.60%
EPS Growth17.43%
CountryUS
Employees46,254
SectorFinancial
Sector Strength71
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.08
Shares Outstanding21,256,908,000
10 Day Avg. Volume36,906
30 Day Avg. Volume32,845
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap1.06
Enterprise Value/Revenue3.98
Enterprise Value/Gross Profit4.66
Enterprise Value/Ebitda33.16
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
CaixaBank SA Business Overview & Revenue Model
Company DescriptionCaixaBank, S.A., together with its subsidiaries, provides various banking products and financial services in Spain and internationally. The company operates through Banking and Insurance, Equity Investments, and BPI segments. It also provides solutions related to security, protection, internationalization, and financing; traditional financial advice, independent advice, and broker services; asset management; liquidity management; capital markets, cash management, project finance, asset finance, and M&A services; and various financial services and solutions to public and private sector institutions, as well as distributes non-life and life risk insurance policies; and private banking services. In addition, the company is involved in the real estate business. As of September 30, 2021, it had 5,415 branches and 13,678 ATMs in Spain; and 316 branches and 1,440 ATMs in Portugal. CaixaBank, S.A. was founded in 1904 and is based in Valencia, Spain.
How the Company Makes MoneyCaixaBank SA generates revenue through various streams primarily centered around its banking operations. The core revenue comes from net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. Additionally, the bank earns fees and commissions from various banking services including account maintenance, payment processing, and asset management. CaixaBank also benefits from its insurance segment, where premiums from its life and non-life insurance products contribute to its earnings. Moreover, the bank's strategic partnerships and investments in digital banking and fintech solutions enhance its service offerings and support its revenue growth. The group’s diversified financial products and robust customer base are key contributors to its financial performance.
CaixaBank SA Earnings Call Summary
Earnings Call Date:Jul 30, 2025
(Q2-2025)
| % Change Since: 9.45%|
Next Earnings Date:Oct 31, 2025
Earnings Call Sentiment Positive
The earnings call indicates strong performance in volume growth, improved guidance, and economic strength, but also highlights challenges such as NII pressures and the impact of banking taxes and tariffs. However, the positive aspects significantly outweigh the challenges.Q2-2025 Updates
Positive Updates
Strong Volume Growth
Performing loans increased by 4.8% year-on-year, deposits grew by 7%, and wealth management is up 8%. This growth is attributed to an improving market share and a strong Spanish and Portuguese economy.
Improved Guidance
Guidance has been upgraded, with services revenue expected in the upper mid-single-digit range and cost of risk guidance reduced to around 25 basis points.
Solid Economic Performance
Spain's GDP increased by 0.7% quarter-on-quarter, significantly outpacing the Eurozone's 0.1% growth, indicating a strong local economy.
Capital and Liquidity Strength
Return on tangible equity reached 18.5%, and net income is up by 10%. Liquidity coverage ratio is at 217% and net stable funding ratio at 150%.
Digital and Business Transformation
Initiatives like Facilitea Casa and Facilitea Coches show promising early growth, with significant increases in listed properties and vehicle financing.
Negative Updates
NII Pressures and Guidance
Net interest income (NII) is under pressure, with NII forecasted to be down by mid-single digits, although the second quarter is expected to be the trough.
Banking Tax Impact
Return on tangible equity would be closer to 20% without the banking tax, indicating a significant impact on profitability.
Tariff Accord Impact
The tariff accord is expected to have a 0.2% negative impact on GDP, with tariffs higher than expected at 15%.
Company Guidance
During CaixaBank's second quarter and first-half 2025 results presentation, the bank reported strong performance across multiple metrics, prompting an upgrade in guidance. Key highlights included a 4.8% year-on-year growth in performing loans, a 7% increase in deposits, and an 8% rise in wealth management, despite market volatility. The bank's return on tangible equity stood at 18.5% for the quarter, with net income up by 10%. The cost of risk was stable at 24 basis points for the last 12 months, and the non-performing loan (NPL) ratio was at 2.3%. Additionally, the bank saw a 5.4% rise in services revenue, underpinned by a 12% growth in protection business and a significant increase in digital banking penetration. Furthermore, CaixaBank's capital position remained strong with a CET1 ratio of 12.47%, supported by a liquidity coverage ratio of 217% and a net stable funding ratio of 150%. The bank also outlined its strategic focus on growth and transformation, emphasizing initiatives like digital sales and new platforms for real estate and vehicle financing.CaixaBank SA Financial Statement Overview
Summary
CaixaBank SA demonstrates strong profitability with notable margins and improving cash flows. The balance sheet is stable with moderate leverage, though revenue growth is stabilizing and leverage should be monitored.Income Statement
CaixaBank SA demonstrates strong profitability with a notable gross profit margin of 118.41% and a net profit margin of 37.27% in 2023. The revenue growth rate shows a slight decline of 0.90% from 2022, indicating stable revenue performance. EBIT and EBITDA margins are robust at 61.40% and 57.11%, respectively, showcasing operational efficiency.82
Very Positive
Balance Sheet
The balance sheet reflects a healthy equity position with an equity ratio of 5.98%. The debt-to-equity ratio is 1.56, indicating moderate leverage. Return on Equity (ROE) is strong at 13.27%, reflecting efficient use of equity capital. Overall, the balance sheet is stable, but leverage could be a concern if it increases further.75
Positive
Cash Flow
There is a significant positive shift in free cash flow from negative in 2022 to strong positive in 2023, yielding a free cash flow growth rate of 284.98%. The operating cash flow to net income ratio is 3.27, indicating good cash generation relative to net income, while the free cash flow to net income ratio is 3.10, highlighting strong cash conversion.79
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.23B | 14.82B | 12.92B | 13.04B | 11.36B | 9.12B |
| Gross Profit | 16.43B | 17.04B | 15.29B | 13.04B | 11.36B | 9.12B |
| EBITDA | 2.31B | 0.00 | 7.38B | 4.83B | 5.58B | 1.83B |
| Net Income | 6.25B | 5.79B | 4.82B | 3.13B | 5.23B | 1.38B |
Balance Sheet | ||||||
| Total Assets | 636.47B | 631.00B | 607.17B | 592.23B | 680.04B | 451.52B |
| Cash, Cash Equivalents and Short-Term Investments | 55.50B | 50.63B | 4.16B | 20.52B | 104.28B | 51.62B |
| Total Debt | 52.15B | 54.42B | 56.76B | 50.09B | 50.74B | 34.58B |
| Total Liabilities | 598.53B | 594.14B | 570.83B | 557.97B | 644.61B | 426.24B |
| Stockholders Equity | 37.91B | 36.83B | 36.31B | 34.23B | 35.39B | 25.25B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 16.53B | 14.94B | -80.79B | 37.95B | 36.87B |
| Operating Cash Flow | 0.00 | 16.85B | 15.74B | -79.88B | 38.63B | 37.56B |
| Investing Cash Flow | 0.00 | -152.00M | 203.00M | 164.00M | 13.89B | 484.00M |
| Financing Cash Flow | 0.00 | -4.75B | 1.39B | -3.98B | 88.00M | -1.54B |
CaixaBank SA Technical Analysis
Positive
3.36
Price Trends
3.07
Positive
2.86
Positive
2.45
Positive
Market Momentum
0.11
Positive
68.37
Neutral
73.36
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CAIXY, the sentiment is Positive. The current price of 3.36 is above the 20-day moving average (MA) of 3.32, above the 50-day MA of 3.07, and above the 200-day MA of 2.45, indicating a bullish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 68.37 is Neutral, neither overbought nor oversold. The STOCH value of 73.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CAIXY.
CaixaBank SA Peers Comparison
Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $72.07B | 11.16 | 16.10% | 5.10% | -2.60% | 17.43% | |
79 Outperform | $79.04B | 13.78 | 11.19% | 3.19% | 3.60% | 22.68% | |
76 Outperform | $74.95B | 11.56 | 11.64% | 4.15% | 1.10% | 32.55% | |
73 Outperform | $70.11B | 9.75 | 20.49% | 7.59% | 5.44% | 2.81% | |
71 Outperform | $67.63B | 13.26 | 10.06% | 3.73% | 0.76% | -5.74% | |
68 Neutral | $17.69B | 11.82 | 10.30% | 3.73% | 9.66% | 0.42% | |
65 Neutral | $82.68B | 13.97 | 8.69% | 2.39% | -2.22% | 24.37% |
* Financial Sector Average
Performance Comparison
CAIXY
CaixaBank SA
3.41
1.47
75.77%
ITUB
Itau Unibanco
6.80
1.21
21.65%
LYG
Lloyds Banking
4.55
1.55
51.67%
MFG
Mizuho Financial
6.58
2.41
57.79%
PNC
PNC Financial
203.46
30.57
17.68%
USB
US Bancorp
48.57
4.83
11.04%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.