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CAIXABANK
(BME:CABK)
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Rating:75Outperform
Price Target:
€14.50
▲(9.02% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by strong financial performance (notably profitability and revenue expansion), tempered by historically volatile cash flow and leverage. Technicals add support with a clear uptrend across major moving averages, while valuation is aided by a moderate P/E and a ~4% dividend yield.
Positive Factors
Revenue and Profitability
Sustained multi-year revenue expansion with consistently healthy net margins (~20%+) indicates a scalable retail banking model and strong fee cross-sell. Durable profitability supports internal reinvestment, dividend capacity and resilience through normal cycles, underpinning mid-term earnings strength.
Negative Factors
Historic Leverage Volatility
A history of wide leverage swings and sizeable absolute debt leaves the bank exposed in adverse credit cycles. This structural vulnerability can force rapid balance-sheet adjustments, constrain capital returns and increase funding costs when market stress reappears, harming long-term stability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profitability
Sustained multi-year revenue expansion with consistently healthy net margins (~20%+) indicates a scalable retail banking model and strong fee cross-sell. Durable profitability supports internal reinvestment, dividend capacity and resilience through normal cycles, underpinning mid-term earnings strength.
Read all positive factors
CAIXABANK (CABK) vs. iShares MSCI Spain ETF (EWP)
Market Cap
€88.50B
Dividend Yield3.87%
Average Volume (3M)5.43M
Price to Earnings (P/E)14.7
Beta (1Y)1.10
Revenue Growth-6.84%
EPS Growth3.21%
CountryES
Employees47,580
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.88
Shares Outstanding6,975,930,000
10 Day Avg. Volume5,435,778
30 Day Avg. Volume5,425,060
Financial Highlights & Ratios
PEG Ratio2.48
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
€13.14Price Target Upside-1.21% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering9
EPS Forecast (FY)0.91
Revenue Forecast (FY)€17.20B
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. A major revenue driver is net interest income: it earns interest on loans and credit (e.g., mortgages, consumer credit, and lending to SMEs/corporates...
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 | 19.56B | 26.04B | 26.83B | 24.07B | 15.22B | 13.27B |
| Gross Profit | 19.82B | 16.76B | 17.04B | 15.96B | 12.58B | 11.36B |
| EBITDA | 8.86B | 8.82B | 9.10B | 7.70B | 5.05B | 6.01B |
| Net Income | 6.14B | 5.89B | 5.79B | 4.82B | 3.13B | 5.23B |
Balance Sheet | ||||||
| Total Assets | 693.43B | 664.04B | 631.00B | 607.17B | 598.85B | 680.04B |
| Cash, Cash Equivalents and Short-Term Investments | 38.00B | 45.83B | 50.63B | 4.16B | 20.52B | 104.28B |
| Total Debt | 70.69B | 85.50B | 77.54B | 84.50B | 50.09B | 50.74B |
| Total Liabilities | 654.73B | 625.51B | 594.14B | 570.83B | 565.14B | 644.61B |
| Stockholders Equity | 38.68B | 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
13.30
Price Trends
12.64
Positive
11.79
Positive
10.87
Positive
Market Momentum
0.09
Positive
54.31
Neutral
47.43
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 13.3 is above the 20-day moving average (MA) of 12.84, above the 50-day MA of 12.64, and above the 200-day MA of 10.87, indicating a bullish trend. The MACD of 0.09 indicates Positive momentum. The RSI at 54.31 is Neutral, neither overbought nor oversold. The STOCH value of 47.43 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | €88.50B | 14.66 | 16.09% | 3.76% | -6.84% | 3.21% | |
73 Outperform | €17.20B | 8.68 | 13.05% | 6.83% | -33.66% | -32.82% | |
70 Outperform | €14.77B | 13.05 | 17.70% | 3.84% | -4.58% | 12.95% | |
69 Neutral | €9.07B | 13.83 | 9.44% | 8.48% | -6.69% | 5.62% | |
68 Neutral | €13.30B | 11.29 | 12.31% | 4.18% | 4.58% | 10.93% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
ES:CABK
CAIXABANK
12.91
4.42
52.02%
ES:ALNT
Alantra
10.05
2.31
29.83%
ES:SAB
Banco de Sabadell
3.64
0.72
24.74%
ES:BKT
Bankinter
16.58
3.83
30.06%
ES:MAP
Mapfre, SA
4.35
0.64
17.26%
ES:UNI
Unicaja Banco SA
3.54
1.24
53.94%
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.