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CaixaBank (CAIXY)
: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
$66.57B
Dividend Yield5.49%
Average Volume (3M)39.52K
Price to Earnings (P/E)10.1
Beta (1Y)0.35
Revenue Growth12.54%
EPS Growth23.91%
CountryUS
Employees46,254
SectorFinancial
Sector Strength73
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.08
Shares Outstanding21,256,908,000
10 Day Avg. Volume34,878
30 Day Avg. Volume39,522
Financial Highlights & Ratios
PEG Ratio0.97
Price to Book (P/B)1.39
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
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: 1.63%|
Next Earnings Date:Oct 31, 2025
Earnings Call Sentiment Positive
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.Q2-2025 Updates
Positive Updates
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.
Negative Updates
NII Cycle Trough
Net interest income (NII) has experienced a trough this quarter, with expectations of only slight improvements in the near term.
Impact of Banking Tax
The banking tax has reduced the return on tangible equity close to 20%, highlighting its significant impact on profitability.
Tariff Accord Concerns
Higher than anticipated tariffs, expected to impact GDP by 0.2%, although mitigated by stronger economic growth.
Capital and RWA Growth
Organic risk-weighted assets increased by 33 basis points, reflecting strong loan growth but also a potential strain on capital.
Company Guidance
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.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 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 16.41B | 12.92B | 13.04B | 11.36B | 9.12B |
| Gross Profit | 16.41B | 15.29B | 13.04B | 11.36B | 9.12B |
| EBITDA | 0.00 | 7.38B | 4.83B | 5.58B | 1.83B |
| Net Income | 5.79B | 4.82B | 3.13B | 5.23B | 1.38B |
Balance Sheet | |||||
| Total Assets | 631.00B | 607.17B | 592.23B | 680.04B | 451.52B |
| Cash, Cash Equivalents and Short-Term Investments | 49.80B | 37.86B | 20.52B | 104.28B | 51.62B |
| Total Debt | 0.00 | 56.76B | 50.09B | 50.74B | 34.58B |
| Total Liabilities | 594.14B | 570.83B | 557.97B | 644.61B | 426.24B |
| Stockholders Equity | 36.83B | 36.31B | 34.23B | 35.39B | 25.25B |
Cash Flow | |||||
| Free Cash Flow | 16.09B | 14.94B | -80.79B | 37.95B | 36.87B |
| Operating Cash Flow | 16.85B | 15.74B | -79.88B | 38.63B | 37.56B |
| Investing Cash Flow | -152.00M | 203.00M | 164.00M | 13.89B | 484.00M |
| Financing Cash Flow | -4.75B | 1.39B | -3.98B | 88.00M | -1.54B |
CaixaBank SA Technical Analysis
Positive
3.12
Price Trends
2.91
Positive
2.73
Positive
2.34
Positive
Market Momentum
0.07
Negative
63.94
Neutral
94.01
Negative
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 3.12 is above the 20-day moving average (MA) of 2.99, above the 50-day MA of 2.91, and above the 200-day MA of 2.34, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 63.94 is Neutral, neither overbought nor oversold. The STOCH value of 94.01 is Negative, 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 (62)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $66.57B | 10.15 | 16.10% | 5.49% | 12.54% | 23.91% | |
80 Outperform | $73.53B | 12.70 | 11.19% | 3.50% | 3.83% | 22.68% | |
72 Outperform | $59.92B | 12.57 | 10.06% | 3.75% | 3.47% | -8.90% | |
69 Neutral | $68.46B | 10.52 | 11.66% | 4.55% | 0.84% | 32.55% | |
68 Neutral | $64.18B | 8.95 | 20.65% | 6.79% | -6.74% | 5.13% | |
65 Neutral | $74.55B | 12.49 | 8.69% | 2.69% | 13.63% | 27.77% | |
62 Neutral | C$14.98B | 7.85 | 20.39% | 5.55% | 33.66% | -23.75% |
* Financial Sector Average
Performance Comparison
CAIXY
CaixaBank SA
3.12
1.44
85.71%
ITUB
Itau Unibanco
6.29
1.44
29.69%
LYG
Lloyds Banking
4.36
1.71
64.53%
MFG
Mizuho Financial
5.84
2.00
52.08%
PNC
PNC Financial
185.88
25.85
16.15%
USB
US Bancorp
43.94
4.91
12.58%
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.