CAIXABANK S.A. (ES:CABK)
BME:CABK
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CAIXABANK
(BME:CABK)
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Rating:70Outperform
Price Target:
€11.50
▲(9.73% Upside)
Action:ReiteratedDate:02/26/26
The score is driven primarily by strong financial performance—healthy profitability and revenue expansion with improved 2025 leverage—offset by materially volatile cash flow history. Technicals are neutral with a longer-term uptrend but near-term consolidation, while valuation is supportive due to a moderate P/E and a ~4% dividend yield.
Positive Factors
Sustained Profitability
CaixaBank’s net profit margins have been consistently strong (~20%+ since 2022) and operating profitability remains robust. Durable margins and steady profitability support internal capital generation, dividend capacity and provide a buffer through credit cycles.
Negative Factors
Cash Flow Volatility
Historic swings in operating and free cash flow (including a severe 2022 outflow) create unpredictability in liquidity and capital planning. Volatility complicates provisioning, dividend visibility and strategic investments, elevating execution risk across economic cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
CaixaBank’s net profit margins have been consistently strong (~20%+ since 2022) and operating profitability remains robust. Durable margins and steady profitability support internal capital generation, dividend capacity and provide a buffer through credit cycles.
Read all positive factors
CAIXABANK (CABK) vs. iShares MSCI Spain ETF (EWP)
Market Cap
€73.58B
Dividend Yield4.05%
Average Volume (3M)5.43M
Price to Earnings (P/E)12.3
Beta (1Y)1.19
Revenue Growth-7.50%
EPS Growth12.76%
CountryES
Employees46,254
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.20
Shares Outstanding7,024,520,500
10 Day Avg. Volume5,435,778
30 Day Avg. Volume5,425,060
Financial Highlights & Ratios
PEG Ratio2.37
Price to Book (P/B)1.91
Price to Sales (P/S)2.82
P/FCF Ratio1.75
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€11.58Price Target Upside10.50% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering9
EPS Forecast (FY)0.88
Revenue Forecast (FY)€17.18B
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 solu...
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 t...
CAIXABANK Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
71
Positive
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.24B | 26.04B | 26.83B | 24.07B | 15.22B | 13.27B |
| Gross Profit | 16.24B | 16.76B | 17.04B | 15.96B | 12.58B | 11.36B |
| EBITDA | 4.77B | 8.82B | 9.10B | 7.70B | 5.05B | 6.01B |
| Net Income | 6.06B | 5.89B | 5.79B | 4.82B | 3.13B | 5.23B |
Balance Sheet | ||||||
| Total Assets | 659.82B | 664.04B | 631.00B | 607.17B | 598.85B | 680.04B |
| Cash, Cash Equivalents and Short-Term Investments | 49.19B | 45.83B | 50.63B | 4.16B | 20.52B | 104.28B |
| Total Debt | 51.17B | 85.50B | 77.54B | 84.50B | 50.09B | 50.74B |
| Total Liabilities | 622.39B | 625.51B | 594.14B | 570.83B | 565.14B | 644.61B |
| Stockholders Equity | 37.42B | 38.51B | 36.83B | 36.31B | 33.67B | 35.39B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 41.97B | 16.53B | 14.94B | -80.79B | 37.95B |
| Operating Cash Flow | 0.00 | 42.36B | 16.85B | 15.74B | -79.88B | 38.63B |
| Investing Cash Flow | 0.00 | -37.98B | -152.00M | 203.00M | 164.00M | 13.89B |
| Financing Cash Flow | 0.00 | -8.35B | -4.75B | 1.39B | -3.98B | 88.00M |
CAIXABANK Technical Analysis
Neutral
10.48
Price Trends
10.45
Negative
10.23
Negative
9.27
Positive
Market Momentum
-0.06
Negative
48.71
Neutral
62.34
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:CABK, the sentiment is Neutral. The current price of 10.48 is above the 20-day moving average (MA) of 10.08, above the 50-day MA of 10.45, and above the 200-day MA of 9.27, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 48.71 is Neutral, neither overbought nor oversold. The STOCH value of 62.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ES:CABK.
CAIXABANK Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | €73.58B | 12.30 | 15.47% | 4.05% | -7.50% | 12.76% | |
68 Neutral | €107.46B | 11.93 | 18.53% | 3.39% | 5.66% | 8.16% | |
66 Neutral | €15.71B | 42.77 | 12.39% | 7.43% | -6.77% | -39.63% | |
64 Neutral | €12.43B | 11.67 | 16.71% | 3.64% | -7.12% | 15.96% | |
62 Neutral | €6.72B | 13.74 | 9.08% | 5.80% | -9.39% | 45.60% | |
60 Neutral | €146.55B | 10.62 | 13.89% | 1.82% | -16.49% | 14.32% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
ES:CABK
CAIXABANK
10.49
3.54
51.02%
ES:SAB
Banco de Sabadell
3.13
0.59
23.01%
ES:SAN
Banco Santander
9.99
3.79
61.08%
ES:BKT
Bankinter
13.83
3.96
40.12%
ES:BBVA
Banco Bilbao Vizcaya Argentaria
18.87
6.71
55.23%
ES:UNI
Unicaja Banco SA
2.61
0.96
58.23%
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.