CaixaBank SA

CaixaBank SA

11.33
EUR
-0.51
(-4.31%)
0.88EPS
14.00P/E
85.98BMarket Cap
Oct 30Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.28
1.23
1.31
1.38
1.45
1.52
1.54
1.52
1.49
1.59
2.13
2.33
2.36
2.43
Basic EPS, GAAP
0.06
0.11
0.14
0.18
0.28
0.32
0.26
0.23
0.69
0.4
0.64
0.8
0.83
0.88
Free Cash Flow per Basic Share
-0.63
-0.99
0.33
2.31
1
-0.94
-1.21
6.17
5.01
-10.33
2
2.22
0.48
- -
Dividend per Share
0.01
0.02
0.08
0.08
0.13
0.15
0.1
0.07
0.03
0.15
0.23
0.54
0.45
- -
Book Value per Share
4.77
4.41
4.33
3.94
4.09
4.07
4.2
4.22
4.39
4.49
4.93
5.17
5.5
5.56
Tangible Book Value per Share
4.05
3.77
3.69
3.32
3.45
3.43
3.56
3.56
3.78
3.82
4.25
4.46
4.74
4.8
Basic Weighted Avg Shares
5,291
5,897
5,945
5,842
5,978
5,979
5,978
5,977
7,575
7,819
7,470
7,262
7,098
7,002
Sales/Revenue/Turnover
6,771
7,225
7,791
8,080
8,679
9,091
9,221
9,107
11,294
12,439
15,874
16,951
16,762
17,008
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
420
350
366
370
427
404
546
540
695
730
774
778
791
809
Net Income, GAAP
316
620
814
1,047
1,684
1,985
1,705
1,381
5,226
3,129
4,816
5,787
5,891
6,179
Effective Tax Rate (%)
- -
- -
- -
31.35
18.02
25.37
17.77
13.69
1.66
27.52
30.44
30.35
31.99
30.46
Profit Margin (%)
4.67
8.58
10.45
12.96
19.4
21.83
18.49
15.16
46.27
25.15
30.34
34.14
35.14
36.33
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
58,043
54,969
41,784
34,326
30,332
28,030
33,563
34,579
50,741
50,090
54,576
54,419
49,488
51,377
Total Equity
23,947
25,233
25,205
23,556
24,866
24,364
25,151
25,278
35,425
33,707
36,339
36,865
38,526
38,696
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
1.66
2.92
3.59
3.06
2.33
7.15
3.68
5.51
6.34
6.56
6.85
Return on Common Equity (%)
1.35
2.52
3.23
4.3
7.02
7.8
6.36
5.48
17.23
9.06
13.76
15.82
15.64
16.14

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7,008
6,970
6,959
Market Capitalization
73,375
71,408
85,983

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
45,828
39,434
37,997
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.98%
9.81%
4.51%
Free Cash Flow
-75.06%
-99.88%
-78.63%
Net Income, GAAP
38.83%
62.83%
1.8%
Sales/Revenue/Turnover
8.35%
13.49%
-1.11%
Total Cash Common Dividend
56.66%
110.7%
-18.65%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,048
4,482
4,050
4,121
16,951
2025
4,045
4,254
- -
4,185
16,762
2026
4,188
4,381
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.23
0.22
0.22
0.8
2025
0.21
0.21
- -
0.21
0.83
2026
0.23
0.23
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.54
2025
- -
- -
- -
- -
0.45
2026
- -
- -
- -
- -
- -

Company Description

CEO
Gonzalo Gortázar Rotaeche
Full Time Employees
47,120
Sector
Finance
Industry
Regional banks
Address
Calle Pintor Sorolla 2-4 Valencia VA Spain 46002
IPO Date
Oct 15, 2007
Business
CaixaBank, S.A. (CABK.MC) operates as a leading Spanish multinational financial services provider offering universal banking products and services including retail banking, private banking, business banking, corporate and investment banking (CIB), insurance, asset management, mortgage loans, consumer lending, deposits, mutual funds, pension plans, cash management, trade finance, capital markets, structured financing, working capital solutions, international banking coverage in 72 countries, and digital platforms such as CaixaBankNow, Imagin, and InTouch; through its wholly owned subsidiary Banco BPI, S.A., it provides similar services in Portugal. The company maintains the largest branch network in Spain with over 5,000 branches serving approximately 20 million customers across Spain and Portugal, complemented by extensive ATM coverage and omnichannel distribution including specialized centers for premier, private, and business clients. Founded in 2011 through the restructuring of La Caixa's banking activities and headquartered in Valencia with key operational offices in Barcelona and Madrid, CaixaBank holds significant market shares including 23.4% in loans to households and companies, 24.5% in deposits, 23.8% in mutual funds, and 34.1% in pension plans as of end-2023. CaixaBank recently unveiled its 2025-2027 Strategic Plan on November 19, 2024, targeting over 15% return on tangible equity (ROTE), more than 4% compound annual growth rate (CAGR) in business volume including loans and customer funds, expansion of digital ecosystems in home, mobility, and senior segments, mortgage portfolio growth exceeding 2% CAGR, asset management growth over 6% CAGR, acceleration of generative AI integration, over €5 billion in technology investments, recruitment of 3,000 young professionals, and mobilization of €100 billion in sustainable finance; it completed Bankia integration synergies from the 2021 acquisition, exceeded 2022-2024 plan targets with €9.5 billion in shareholder returns against a €9 billion goal and plans additional payouts toward €12 billion, enhanced its position via its 100% ownership of Banco BPI with aligned 4% CAGR growth ambitions in Portugal, and continues leading in sustainable initiatives such as solar panel financing and electric vehicle leasing.

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