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CaixaBank (CAIXY)
:CAIXY
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CaixaBank SA
(OTC:CAIXY)
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Rating:80Outperform
Price Target:―
CaixaBank SA's strong financial performance and positive earnings call sentiment are the most significant factors driving the score. The company's robust growth metrics, strategic innovations, and attractive dividend yield contribute positively. Technical indicators support an upward trend, though potential overbought conditions and historical cash flow volatility are risks to monitor.
CaixaBank SA (CAIXY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$73.58B
Dividend Yield4.25%
Average Volume (3M)293.58K
Price to Earnings (P/E)11.3
Beta (1Y)0.45
Revenue Growth-5.82%
EPS Growth14.88%
CountryUS
Employees46,254
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.08
Shares Outstanding21,256,908,000
10 Day Avg. Volume139,365
30 Day Avg. Volume293,585
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)1.01
Price to Sales (P/S)2.50
P/FCF Ratio2.25
Enterprise Value/Market Cap1.11
Enterprise Value/Revenue5.04
Enterprise Value/Gross Profit5.04
Enterprise Value/Ebitda17.13
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 generates revenue through several key streams. The primary source is net interest income, which comes from the difference between interest earned on loans and interest paid on deposits. The bank also earns significant income from fees and commissions associated with its various services, including account management, transaction processing, and financial advisory services. Additionally, CaixaBank generates revenue through its investment banking operations, which include underwriting and advisory fees. The bank has formed strategic partnerships with fintech companies to enhance its digital offerings, further contributing to its earnings. Other important factors include its focus on cost efficiency and risk management, which help maintain profitability in a competitive landscape.
CaixaBank SA Earnings Call Summary
Earnings Call Date:Oct 31, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Jan 30, 2026
Earnings Call Sentiment Positive
The earnings call highlights strong financial performance, driven by robust volume growth, improved net interest income, and economic tailwinds in Iberia. CaixaBank is also demonstrating innovation in digital banking and maintaining a strong capital return policy. However, challenges remain in the mortgage market and recurring banking fees.Q3-2025 Updates
Positive Updates
Strong Volume Growth
Loans and customer funds are up close to 7% year-on-year, with insurance business premiums up 13% and a net addition of almost 400,000 new clients in Spain.
Improved NII and Asset Quality
Net Interest Income (NII) saw a 1.4% increase quarter-on-quarter, with asset quality at record lows and improved cost of risk guidance.
Economic Growth in Iberia
Upgraded GDP estimates for Spain to 2.9% from 2.4%, with strong contributions from private consumption and investment.
Record Performance in Wealth Management
Wealth management market share continues to be significantly higher than competitors, with a 12% growth in revenues from services.
Shareholder Returns
Announcement of an interim dividend at the upper range of policy and a new EUR 500 million share buyback program.
Operational Innovations
Multiple innovative projects launched, including Tap To Pay, Apple Pay Later, and successful growth in the 'imagin' digital banking platform.
Negative Updates
Pressure on Mortgage Market Share
CaixaBank's market share in mortgages has decreased by 10 basis points year-to-date, amid highly competitive pricing.
Banking Fees Under Pressure
Recurring banking fees remain pressured, lagging behind other areas of fee growth.
Operational Risk and RWA Impact
Expected impact on risk-weighted assets due to operational risk, though offset by SRT transactions.
Company Guidance
During CaixaBank's third-quarter results presentation for fiscal year 2025, CEO Gonzalo Gortázar highlighted impressive growth metrics despite seasonal challenges. The bank reported a 7% increase in loans and customer funds, a 13% rise in insurance premiums, and the addition of nearly 400,000 new clients in Spain. Net interest income (NII) saw a 1.4% quarter-on-quarter increase, while revenue from services grew over 5%. Asset quality reached record lows, with an improved cost of risk guidance of less than 25 basis points. CaixaBank announced an interim dividend at the high end of its 30% to 40% range and a new share buyback program, maintaining a strong capital position with a core equity Tier 1 ratio above targets. The bank upgraded its return on tangible equity forecast to around 17%, buoyed by favorable economic conditions in Spain and Portugal, including a revised GDP growth estimate for Spain from 2.4% to 2.9%. Additionally, the bank emphasized strategic growth in consumer and business lending, as well as significant gains in market share across various segments, underscoring a robust performance and optimistic outlook for sustained growth.CaixaBank SA Financial Statement Overview
Summary
CaixaBank SA exhibits robust financial performance with strong revenue and profit growth, supported by high margins. The balance sheet is stable with manageable leverage, and cash flow generation has improved significantly, enhancing liquidity. However, historical cash flow volatility poses a potential risk.Income Statement
CaixaBank SA has demonstrated strong revenue growth over the years, with a notable increase in total revenue from 2023 to 2024. The company maintains high gross profit margins, consistently above 100%, indicating efficient cost management. Net profit margins have also improved, reflecting enhanced profitability. EBIT and EBITDA margins are robust, showcasing operational efficiency. Overall, the income statement reflects a positive growth trajectory and solid profitability.85
Very Positive
Balance Sheet
The balance sheet of CaixaBank SA shows a moderate debt-to-equity ratio, which is typical for the banking industry. The return on equity has improved over the years, indicating effective use of equity to generate profits. The equity ratio is stable, reflecting a balanced capital structure. While the debt levels are significant, they are managed well relative to equity, suggesting financial stability.78
Positive
Cash Flow
CaixaBank SA's cash flow statement reveals a substantial growth in free cash flow, particularly from 2023 to 2024, indicating strong cash generation capabilities. The operating cash flow to net income ratio is positive, suggesting efficient conversion of income into cash. However, the historical volatility in cash flows, especially in earlier years, poses a potential risk. Overall, the cash flow position is strong, with recent improvements enhancing liquidity.72
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.24B | 26.83B | 24.07B | 15.22B | 13.27B | 10.99B |
| Gross Profit | 16.24B | 17.04B | 15.96B | 12.58B | 11.36B | 9.12B |
| EBITDA | 4.77B | 9.10B | 7.70B | 5.05B | 6.01B | 2.14B |
| Net Income | 6.06B | 5.79B | 4.82B | 3.13B | 5.23B | 1.38B |
Balance Sheet | ||||||
| Total Assets | 659.82B | 631.00B | 607.17B | 592.23B | 680.04B | 451.52B |
| Cash, Cash Equivalents and Short-Term Investments | 49.19B | 49.80B | 37.86B | 20.52B | 104.28B | 51.62B |
| Total Debt | 51.17B | 54.42B | 56.76B | 50.09B | 50.74B | 34.58B |
| Total Liabilities | 622.39B | 594.14B | 570.83B | 557.97B | 644.61B | 426.24B |
| Stockholders Equity | 37.42B | 36.83B | 36.31B | 33.67B | 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
3.46
Price Trends
3.45
Positive
3.30
Positive
2.91
Positive
Market Momentum
0.04
Positive
47.88
Neutral
13.82
Positive
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 3.46 is below the 20-day moving average (MA) of 3.50, above the 50-day MA of 3.45, and above the 200-day MA of 2.91, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 47.88 is Neutral, neither overbought nor oversold. The STOCH value of 13.82 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CAIXY.
CaixaBank SA Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $73.58B | 11.29 | 15.16% | 4.25% | -5.82% | 14.88% | |
77 Outperform | $70.21B | 11.55 | 11.31% | 3.61% | 1.79% | 30.93% | |
75 Outperform | $70.68B | 10.41 | 11.69% | 4.40% | 2.91% | 33.77% | |
74 Outperform | $76.70B | 10.43 | 19.90% | 6.02% | 11.82% | 3.41% | |
70 Outperform | $70.23B | 15.63 | 7.85% | 3.59% | -20.94% | -18.71% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $85.51B | 14.92 | 9.14% | 1.45% | -2.84% | 25.48% |
* Financial Sector Average
CAIXY
CaixaBank SA
3.47
1.65
90.30%
ITUB
Itau Unibanco
7.46
2.44
48.61%
LYG
Lloyds Banking
4.63
1.96
73.41%
MFG
Mizuho Financial
6.57
1.66
33.81%
PNC
PNC Financial
182.97
-13.70
-6.97%
USB
US Bancorp
46.80
-1.76
-3.62%
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.