CAIXABANK S.A. (ES:CABK)
BME:CABK
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CAIXABANK
(BME:CABK)
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Rating:70Outperform
Price Target:
€12.50
▲(15.10% Upside)
Action:Reiterated
Date: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
Strong income statement
Multi-year revenue expansion combined with consistently healthy net profit margins (roughly ~20%+ since 2022) indicates core banking and fee activities generate durable earnings. Stable operating profitability supports internal capital generation, reinvestment and sustained shareholder returns over the medium term.
Negative Factors
Volatile cash flow
Substantial year-to-year swings in operating and free cash flow, including a severe negative outflow in 2022, indicate weak predictability in cash conversion. This volatility complicates capital planning, weakens confidence in dividend sustainability and raises refinancing and provisioning uncertainty over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong income statement
Multi-year revenue expansion combined with consistently healthy net profit margins (roughly ~20%+ since 2022) indicates core banking and fee activities generate durable earnings. Stable operating profitability supports internal capital generation, reinvestment and sustained shareholder returns over the medium term.
Read all positive factors
CAIXABANK (CABK) vs. iShares MSCI Spain ETF (EWP)
Market Cap
€79.24B
Dividend Yield4.05%
Average Volume (3M)5.43M
Price to Earnings (P/E)13.2
Beta (1Y)1.16
Revenue Growth-10.19%
EPS Growth-2.06%
CountryES
Employees46,254
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.86
Shares Outstanding6,975,930,000
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
€12.18Price Target Upside12.19% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)0.9
Revenue Forecast (FY)€17.22B
CAIXABANK Business Overview & Revenue Model
Company Description
CaixaBank, S.A. is a prominent financial institution that offers a comprehensive suite of banking products and financial solutions, serving clients both within Spain and internationally. Its operations are structured across three key divisions: Ba...
How the Company Makes Money
CaixaBank makes money primarily through banking intermediation and fee-based financial services. Its largest earnings driver is typically net interest income: it collects interest on loans (e.g., mortgages, consumer loans, SME and corporate credit...
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
Positive
10.86
Price Trends
10.84
Positive
10.53
Positive
9.78
Positive
Market Momentum
0.21
Positive
55.16
Neutral
27.33
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 10.86 is below the 20-day moving average (MA) of 11.31, above the 50-day MA of 10.84, and above the 200-day MA of 9.78, indicating a bullish trend. The MACD of 0.21 indicates Positive momentum. The RSI at 55.16 is Neutral, neither overbought nor oversold. The STOCH value of 27.33 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | €79.24B | 13.22 | 15.83% | 4.05% | -10.19% | -2.06% | |
66 Neutral | €14.36B | 8.86 | 11.54% | 7.43% | -27.66% | -52.23% | |
64 Neutral | €12.51B | 11.75 | 17.37% | 3.64% | -9.30% | 8.63% | |
64 Neutral | €7.21B | 11.35 | 9.05% | 5.80% | -9.48% | 2.57% | |
61 Neutral | €11.92B | 13.20 | 9.77% | 3.56% | 3.72% | 17.21% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
ES:CABK
CAIXABANK
11.37
4.27
60.12%
ES:ALNT
Alantra
10.20
2.50
32.43%
ES:SAB
Banco de Sabadell
2.86
0.48
20.38%
ES:BKT
Bankinter
13.92
3.24
30.30%
ES:MAP
Mapfre, SA
3.91
0.68
21.05%
ES:UNI
Unicaja Banco SA
2.81
0.97
52.67%
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.