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CAIXABANK S.A. (ES:CABK)
BME:CABK

CAIXABANK (CABK) AI Stock Analysis

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ES

CAIXABANK

(BME:CABK)

Rating:72Outperform
Price Target:
CAIXABANK's strong financial performance, characterized by robust revenue and profit growth, provides a solid foundation for the stock. The technical analysis suggests some short-term challenges, but the long-term moving averages indicate potential support. Valuation metrics, including a low P/E ratio and high dividend yield, add appeal. The absence of earnings call and corporate events data means no additional insights were factored into the score. Overall, the stock shows promise, but investors should monitor technical trends and any forthcoming data.

CAIXABANK (CABK) vs. iShares MSCI Spain ETF (EWP)

CAIXABANK 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 a diversified financial services model. Its primary revenue streams include interest income from lending activities, such as personal loans, mortgages, and business loans. The bank also earns income from fees and commissions on various financial products and services, including investment funds, insurance policies, and payment services. Additionally, CaixaBank manages a significant portfolio of financial assets, generating income from investment returns. Strategic partnerships with other financial institutions and businesses enhance its service offerings, potentially boosting revenue through collaborative ventures. The bank's focus on digital transformation and efficiency also supports its profitability by reducing operational costs and attracting new customers through innovative digital channels.

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
85
Very Positive
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
75
Positive
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
80
Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue16.41B12.92B13.04B11.36B9.12B
Gross Profit16.41B15.29B13.04B11.36B9.12B
EBITDA0.007.38B4.83B5.58B1.83B
Net Income5.79B4.82B3.13B5.23B1.38B
Balance Sheet
Total Assets631.00B607.17B592.23B680.04B451.52B
Cash, Cash Equivalents and Short-Term Investments50.63B4.16B20.52B104.28B51.62B
Total Debt54.42B56.76B50.09B50.74B34.58B
Total Liabilities594.14B570.83B557.97B644.61B426.24B
Stockholders Equity36.83B36.31B34.23B35.39B25.25B
Cash Flow
Free Cash Flow16.53B14.94B-80.79B37.95B36.87B
Operating Cash Flow16.85B15.74B-79.88B38.63B37.56B
Investing Cash Flow-13.78B203.00M164.00M13.89B484.00M
Financing Cash Flow-4.75B1.39B-3.98B88.00M-1.54B

CAIXABANK Technical Analysis

Technical Analysis Sentiment
Positive
Last Price7.35
Price Trends
50DMA
7.27
Positive
100DMA
6.89
Positive
200DMA
6.04
Positive
Market Momentum
MACD
>-0.01
Positive
RSI
49.88
Neutral
STOCH
36.35
Neutral
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 7.35 is below the 20-day moving average (MA) of 7.41, above the 50-day MA of 7.27, and above the 200-day MA of 6.04, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 49.88 is Neutral, neither overbought nor oversold. The STOCH value of 36.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ES:CABK.

CAIXABANK Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
€52.04B8.4317.33%7.79%12.50%24.07%
67
Neutral
$16.66B11.449.71%3.91%11.61%-10.70%
€14.40B6.6215.03%9.22%
GBBNC
£89.29B8.1413.26%2.31%
€9.94B9.6317.81%4.40%
GBBVA
€74.79B7.0019.33%5.60%
$5.97B8.919.23%2.72%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
ES:CABK
CAIXABANK
7.35
2.58
54.16%
GB:0H00
Banco de Sabadell
2.69
0.98
57.31%
GB:BNC
Banco Santander
593.00
231.24
63.92%
GB:0H7O
Bankinter
10.95
3.65
50.00%
GB:BVA
Banco Bilbao Vizcaya Argentaria
12.60
3.43
37.40%
UNJCF
Unicaja Banco SA
2.31
1.01
77.69%

CAIXABANK Corporate Events

CaixaBank Completes Share Buyback and Capital Reduction
Apr 30, 2025

CaixaBank has announced the completion of a share buyback program, resulting in a reduction of its share capital by 89,372,390 euros through the cancellation of treasury shares. This move, approved by the Board of Directors and the General Shareholders’ Meeting, does not affect shareholder contributions and is aimed at optimizing the company’s capital structure. The capital reduction will be formalized with updates to the company’s bylaws and registration in the Commercial Registry, alongside the delisting of the canceled shares from major Spanish stock exchanges.

CaixaBank’s Strong Q1 Performance and Strategic Growth Initiatives
Apr 30, 2025

CaixaBank reported a net profit of 1,470 million euros in the first quarter, marking a 6.9% increase in comparable terms. The company has shown significant progress in its new Strategic Plan 2025-2027, with notable growth in client resources and credit portfolios. The bank’s strong liquidity and capital position, coupled with reduced delinquency rates, underscore its robust financial health. Additionally, CaixaBank’s commitment to leveraging technology for business transformation and sustainability is evident as it continues to expand its digital client base and enhance customer experiences.

CaixaBank’s 1Q25 Results Highlight ESG Focus Amid Market Uncertainties
Apr 30, 2025

CaixaBank’s recent presentation of its first quarter 2025 results highlights the company’s focus on ESG factors and the challenges posed by market uncertainties and regulatory changes. The release emphasizes that the financial data presented is unaudited and subject to various risks, which could impact the company’s future performance and stakeholder decisions.

CaixaBank Announces Board and Committee Changes Post-Shareholders Meeting
Apr 11, 2025

CaixaBank held its Ordinary General Meeting of Shareholders, approving the re-election and appointment of several board members, subject to European Central Bank verification for some. The board also established new compositions for its committees, including the Executive, Appointments and Sustainability, and Audit and Control Committees, reflecting a strategic focus on governance and sustainability.

CaixaBank Boosts Dividend and Strengthens Governance with New Appointments
Apr 11, 2025

CaixaBank’s General Shareholders’ Meeting approved a supplementary dividend, raising the total annual dividend to nearly 3.1 billion euros. This decision reflects the bank’s strategic focus on sustainable profitability and rewarding shareholders, including significant stakeholders like the ‘la Caixa’ Foundation and FROB. The meeting also saw the appointment of new independent directors, reinforcing the bank’s governance structure. The dividend increase and strategic appointments underscore CaixaBank’s commitment to growth and its pivotal role in the financial sector, benefiting both shareholders and society.

Caixabank’s New Leadership and Strategic Focus
Apr 11, 2025

Caixabank’s new president, who has a long-standing history with the company, expressed gratitude for the previous leadership’s contributions and highlighted the importance of the general shareholders’ meeting. The meeting is a crucial event for presenting and deciding on significant issues for the bank’s future operations.

CaixaBank to Present Q1 2025 Financial Results
Apr 1, 2025

CaixaBank will present its first quarter 2025 financial results on April 30, 2025, via a webcast and telephone broadcast. The event will allow accredited analysts and institutional investors to participate in a Q&A session, reflecting the company’s commitment to transparency and stakeholder engagement.

CaixaBank Releases 2024 Prudential Relevance Information
Mar 28, 2025

CaixaBank has made its ‘Prudential Relevance Information’ document for the fiscal year 2024 available on its corporate website. This release provides stakeholders with essential economic and financial information, reflecting the bank’s commitment to transparency and regulatory compliance.

CaixaBank’s Credit Ratings Upgraded by S&P Global
Mar 27, 2025

S&P Global Ratings has upgraded several of CaixaBank’s credit ratings, reflecting an improvement in the bank’s financial stability and market position. This enhancement in credit ratings is likely to positively impact CaixaBank’s operations and stakeholder confidence.

CaixaBank Appoints New Vice President to Strengthen Governance
Mar 27, 2025

CaixaBank, S.A. has appointed Ms. María Amparo Moraleda Martinez as Vice President of the Board of Directors, following a recommendation from the Appointments and Sustainability Committee. This appointment may strengthen the company’s governance and reinforce its commitment to sustainability, potentially impacting its industry positioning positively.

CaixaBank Completes €500 Million Share Buyback Program
Mar 12, 2025

CaixaBank has successfully completed its share buyback program, reaching the maximum investment of 500 million euros, resulting in the acquisition of 89,372,390 shares, which represents 1.25% of its share capital. This program aims to reduce the company’s share capital through the amortization of acquired shares, with further details on the capital reduction to be announced in due course.

CaixaBank Advances in Share Buyback Program
Feb 28, 2025

CaixaBank has announced the continuation of its share buyback program, with significant progress made as of February 2025. The company has repurchased over 83 million shares, amounting to approximately 460 million euros, which represents 92.14% of the program’s maximum monetary amount.

CaixaBank Announces Ordinary General Meeting and Board Appointments
Feb 25, 2025

CaixaBank has announced the call for its Ordinary General Meeting of Shareholders to be held on April 11, 2025, in València, with provisions for telematic attendance. The agenda includes approval of annual accounts, re-election of auditors, and appointments to the Board of Directors, reflecting a focus on governance and strategic planning.

CaixaBank Announces Telematic Shareholders’ Meeting for April 2025
Feb 25, 2025

CaixaBank, S.A. has announced the schedule for its Ordinary General Shareholders’ Meeting, which is expected to occur on April 11, 2025. The meeting will allow telematic attendance, enabling shareholders to participate remotely, and all related documentation will be accessible on the company’s website.

CaixaBank Announces Details for 2025 Ordinary General Meeting
Feb 25, 2025

CaixaBank, S.A. has announced the details of its upcoming Ordinary General Meeting of Shareholders, scheduled for April 11, 2025, in Valencia. The meeting will include discussions on the Board of Directors’ reports and recommendations, as well as the Remuneration Policy proposal. Shareholders will have the option to attend the meeting remotely, enhancing accessibility and participation. The documentation for the meeting, including the Annual Accounts for the fiscal year 2024, will be available on the company’s website.

CaixaBank Proposes 2024 Dividend Distribution
Feb 25, 2025

CaixaBank has announced its Board of Directors’ proposal to distribute a complementary dividend from the profits of the 2024 financial year. This decision, pending approval at the Ordinary General Shareholders’ Meeting, reflects the company’s commitment to returning value to its shareholders and could enhance investor confidence in the bank’s financial health.

CaixaBank Publishes 2024 Corporate Governance Report
Feb 21, 2025

CaixaBank has released its 2024 Annual Corporate Governance Report, which outlines the company’s governance practices and compliance with industry recommendations. This report, now available on the company’s website, underscores CaixaBank’s commitment to transparency and effective corporate governance, potentially enhancing its reputation among stakeholders and investors.

CaixaBank Advances Share Buyback Program with New Purchases
Feb 21, 2025

CaixaBank has conducted a series of share repurchase operations between February 14, 2025, and February 20, 2025, as part of its ongoing share buyback program. The company has acquired a total of 4,109,165 shares, which contributes to 86.48% of the maximum monetary amount set for the repurchase initiative. This move is aimed at optimizing the capital structure and potentially increasing shareholder value.

CaixaBank Schedules 2025 General Meeting with Telematic Options
Feb 20, 2025

CaixaBank, S.A. has announced plans to hold its Ordinary General Meeting of Shareholders at the Palacio de Congresos de València on April 10, 2025, with the expectation that it will occur on the second call on April 11, 2025. The meeting will also accommodate telematic attendance, allowing shareholders to participate remotely, reinforcing CaixaBank’s commitment to accessibility and modern shareholder engagement.

CaixaBank Announces Board of Directors Restructuring
Feb 20, 2025

CaixaBank, S.A. plans changes to its Board of Directors, including several re-elections and new appointments, at its upcoming Ordinary General Shareholders’ Meeting. These changes will align with recommendations from the Appointments and Sustainability Committee and are pending approval from the European Central Bank supervisor. The restructuring aims to refresh the board with a mix of independent, proprietary, and external directors, potentially impacting the company’s governance and strategic direction.

CaixaBank Advances in Share Buyback Program
Feb 14, 2025

CaixaBank has executed significant operations in its share buyback program, purchasing 75,236,440 shares, totaling 405,915,248 euros, which represents 81.18% of the maximum monetary amount allowed. This move is set to impact the company’s financial strategy and shareholder value, as it demonstrates active management of equity and market positioning.

CaixaBank Continues Share Buyback Program for Strategic Market Positioning
Feb 7, 2025

CaixaBank has announced the continuation of its share buyback program, revealing the purchase of approximately 4.7 million shares between January 31, 2025, and February 6, 2025. This strategic move, managed by Goldman Sachs Bank Europe SE, represents 75.95% of the maximum monetary amount allocated for the buyback, aiming to strengthen shareholder value and improve the company’s market position.

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.Date of analysis: Apr 08, 2025