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CaixaBank, S.A.

BME: CABK.MC

Stock price

12.51 EUR

(+Infinity%) NaN day

Banks - Regional

Financial Performance

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5Y price score: 584

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 556.6%

DATE RANGE:

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    7.3

    52-week range

    12.8

    12.505

    Your model inputs

    Required return / cost of capital
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    FCFF terminal growth rate
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    Your fair value & Margin of safety

    To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.

    Forecast:

    Valuation

    Free Cash Flow Yield

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    FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

    -

    Dividend Yield TTM

    4 %

    Market cap

    86,983

    Price / Earnings TTM

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    P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

    14.5

    Price / Book TTM

    2.4

    PEG TTM

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    Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

    2.8

    Earnings growth and return

    LTM

    5YR

    10YR

    Total return (price & dividends)

    74 %

    481.7 %

    556.6 %

    Free cash flow per share growth

    162.2 %

    (3.3) %

    1,940.6 %

    Earnings per share growth

    5.3 %

    281 %

    515.4 %

    Founded: 1,904

    Employees: 46,254

    Business Summary: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.

    Fair Value Reference Estimate

    Latest Earnings Call Takeaways

    2025 Q4 (Jan 30, 2026)

    1) Strategy & Leadership - CaixaBank reported a strong performance in 2025, marking it as the best year since the financial crisis, with balanced growth across customer funds and lending. - The bank's CEO, Gonzalo Gortázar, emphasized the importance of maintaining a conservative approach while gaining market share, particularly in the mortgage and consumer lending sectors. - The bank aims for a return on tangible equity (RoTE) of 20% by 2027, up from the previous target of above 16%, reflecting improved operational efficiency and market conditions.

    2) Financial & Segment Results - Net income for 2025 reached EUR 5.9 billion, a 1.8% increase YoY, with net interest income (NII) showing a recovery with a 1.5% growth in Q4. - Customer funds and lending volumes grew approximately 7%, exceeding initial expectations, with specific segments showing strong performance: - Residential mortgages: 6.5% growth - Consumer lending: 12.4% growth - Business loans: 7.6% growth - Revenue from services increased by 5.4%, driven by strong contributions from wealth management and protection insurance.

    3) Operational Plans & Investments - CaixaBank is investing significantly in digital transformation, with a total investment of EUR 5 billion planned over 2025-2027, focusing on enhancing customer experience and operational efficiency. - The bank is also adopting AI across its operations, aiming for productivity improvements, particularly in client interactions and back-office functions. - The new app has been well-received, being rated #1 in Spain, and is part of the bank's strategy to enhance customer engagement.

    4) Guidance & Outlook - For 2026, CaixaBank expects NII to exceed EUR 11 billion, with a continued focus on mid-single-digit growth in revenue from services and controlled cost growth around 4.5%. - The bank anticipates maintaining a cost of risk below 25 basis points, with a target for nonperforming loans (NPL) to be below 1.75% by 2027. - The macroeconomic outlook remains positive, with GDP growth in Spain projected at 2.9% for 2025, supporting the bank's growth targets.

    5) Problems / Headwinds - While the bank is optimistic about its growth trajectory, it remains cautious about external economic factors that could impact asset quality and overall performance. - The competitive landscape in the mortgage market is intense, with some peers facing challenges, but CaixaBank's strong market position and cross-selling capabilities provide a buffer against these pressures.

    Bottom line: CaixaBank's robust performance in 2025, driven by strong growth in lending and customer funds, positions it well for continued success. With a clear strategy focused on digital transformation and operational efficiency, the bank is set to achieve its ambitious targets for 2027, making it an attractive prospect for shareholders.

    CaixaBank, S.A. — Financial Overview, Stock Price, Market Cap

    CaixaBank, S.A. is a company. Founded in 1904. As of July 20, 2026, the company's market capitalization is $86983399948 with a current stock price of $12.51.