CAIXABANK (CABK) AI Stock Analysis

• Market Cap: €64.98B
• Dividend Yield: 4.39%
• Average Volume (3M): 5.43M
• Price to Earnings (P/E): 11.0
• Beta (1Y): 1.12
• Revenue Growth: -7.50%
• EPS Growth: 12.76%
• Country: ES
• Employees: 46,254
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.20
• Shares Outstanding: 7,085,565,400
• 10 Day Avg. Volume: 5,435,778
• 30 Day Avg. Volume: 5,425,060
• PEG Ratio: 0.27
• Price to Book (P/B): 1.03
• Price to Sales (P/S): 2.57
• P/FCF Ratio: 2.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €9.81
• Price Target Upside: 1.98% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 8
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: €11.00 ▲(14.35% Upside)

CAIXABANK's strong financial performance, characterized by robust revenue and profit growth, is the most significant factor driving the score. The technical analysis suggests strong momentum but warns of potential overbought conditions. Valuation metrics are favorable, with a reasonable P/E ratio and attractive dividend yield. The absence of earnings call and corporate events data did not impact the score.

Positive Factors

Profitability

The significant improvement in net profit margin indicates enhanced operational efficiency and profitability, which strengthens the company's financial position and ability to reinvest in growth opportunities.

Balance Sheet Strength

A solid equity base and improved equity ratio enhance financial stability, providing a buffer against economic downturns and supporting long-term strategic investments.

Cash Flow Management

Strong free cash flow generation indicates effective cash management, enabling the company to fund operations, pay dividends, and invest in growth without relying heavily on external financing.

Negative Factors

Revenue Growth Decline

A decline in revenue growth could signal challenges in maintaining market share or competitive pressures, potentially impacting future profitability and expansion capabilities.

Data Gaps

Missing debt data creates uncertainty about the company's leverage strategy, which could affect assessments of financial risk and capital structure stability.

Volatile Cash Flow

Volatility in operating cash flow suggests potential instability in cash generation, which could challenge the company's ability to consistently fund operations and growth initiatives.

CAIXABANK Business Overview & Revenue Model

Company Description

CaixaBank, 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 Money

CaixaBank primarily generates revenue through interest income from loans and mortgages, which constitutes a significant portion of its earnings. Additionally, the bank earns fee-based income from various services, including credit and debit card transactions, investment management, and insurance products. Key revenue streams include net interest income, which arises from the difference between interest earned on loans and interest paid on deposits, and non-interest income derived from service fees and commissions. CaixaBank also benefits from partnerships with other financial institutions and fintech companies, enhancing its service offerings and customer reach, thereby contributing positively to its overall revenue.

CAIXABANK Financial Statement Overview

Summary

CAIXABANK exhibits strong financial performance with robust revenue and profit growth, a stable balance sheet, and effective cash flow management. Key strengths include improved profitability and equity stability. While the missing 2024 EBIT and EBITDA data and debt details could obscure full insights, the overall trajectory remains positive, with some areas requiring further clarity.

Income Statement

CAIXABANK has shown a strong revenue growth with an increase from €9.12 billion in 2020 to €16.41 billion in 2024, indicating a robust expansion strategy. The net profit margin improved significantly from 15.14% in 2020 to 35.27% in 2024, reflecting enhanced profitability. However, the absence of EBIT and EBITDA data for 2024 limits a comprehensive margin analysis for that year.

Balance Sheet

The company's balance sheet reflects a solid equity base with stockholders' equity rising from €25.25 billion in 2020 to €36.83 billion in 2024. The equity ratio improved to 5.84% in 2024, indicating better financial stability. The absence of total debt data for 2024 suggests a potential shift in debt strategy, which could either indicate reduced leverage or incomplete data.

Cash Flow

CAIXABANK's cash flow statements show a healthy free cash flow trend, with a notable increase to €16.53 billion in 2024. The operating cash flow to net income ratio is strong, indicating effective cash management. However, the fluctuation in operating cash flow from negative to positive over the years suggests volatility that requires monitoring.

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	50.63B	4.16B	20.52B	104.28B	51.62B
Total Debt	51.17B	77.54B	56.76B	50.09B	50.74B	94.51B
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 Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.62
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:CABK, the sentiment is Positive. The current price of 9.62 is above the 20-day moving average (MA) of 9.28, above the 50-day MA of 8.99, and above the 200-day MA of 7.78, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 64.96 is Neutral, neither overbought nor oversold. The STOCH value of 97.77 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ES:CABK.

CAIXABANK Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BBVA	77 Outperform	€100.84B	9.79	18.66%	3.60%	5.66%	8.16%
UNI	76 Outperform	$6.17B	9.86	8.76%	6.39%	-9.39%	45.60%
CABK	76 Outperform	€64.98B	10.97	15.73%	4.39%	-7.50%	12.76%
BKT	75 Outperform	€11.80B	11.42	16.71%	3.82%	-7.12%	15.96%
SAN	73 Outperform	£130.83B	9.71	12.91%	1.97%	-16.49%	14.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%