CaixaBank, S.A.

€11.76As of Sun 8 Nov 2026, 12:00 UTC

BME:CABKFinancials

Country Spain

PE (Fwd) •••

TSR 10Y CAGR 20.39%

Div yield 4.25%

ROTE 17.93%

Banks (Regional)

Beta (5Y) 0.12

PE TTM 13.29

TSR TTM 35.48%

Mkt cap €81.64B

NIM —

SE Grade™

—

Value

Quality

Moat

Consensus

Reference

€12

1.06%

56.91%

Hold 12|0|4|10|3

TTM

FYE 31 Dec EUR

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

4.177

Revenue€B

30.84

31.38

32.17

31.42

31.69

31.16

30.82

30.50

30.23

29.70

4.280

(1.29%)

(0.14%)

5.08

Revenue growth%

23.24

21.96

21.02

23.31

23.16

25.57

23.26

22.69

21.80

21.56

6.91

22.69

22.92

11.40

NIM%

4.95

5.83

7.97

7.43

6.41

4.40

6.72

7.39

5.03

5.11

5.65

5.11

6.12

15.33

Effic. R.%

17.67

15.90

17.95

19.07

17.35

15.10

16.19

16.22

15.60

15.59

10.46

15.60

16.20

9.38

Net margin%

15.69

12.71

12.66

10.62

10.67

8.85

9.46

11.52

12.65

11.70

15.82

11.52

11.61

28.72

P/E ratio (avg)x

11.75

10.68

11.21

11.05

9.986

10.55

10.00

9.064

9.922

10.95

6.100

10.00

10.62

33.17

P/TBVx

50.17

45.97

40.49

35.70

37.70

41.63

44.57

39.21

36.82

35.60

36.49

39.21

39.85

22.15

P/Bx

49.34

48.87

55.17

51.64

50.17

46.75

47.00

51.63

57.28

66.40

26.74

51.63

50.90

7.986

NII€B

22.84

23.35

23.94

23.14

23.43

23.04

22.82

22.56

22.52

22.25

13.76

(1.02%)

(0.09%)

—

16.41

NII grth%

0.40

0.61

0.82

3.12

5.38

5.37

7.36

8.16

10.93

12.60

20.46

8.16

5.37

16.46

ROTE%

23.16

25.88

23.25

23.57

26.32

25.99

28.57

30.67

27.75

26.81

15.74

27.75

26.16

8.25

Return on equity%

5.08

2.49

1.24

0.77

0.40

0.63

0.40

1.67

2.78

4.33

0.63

1.01

9.53

Return on assets%

15.36

15.80

14.34

11.38

10.03

7.80

9.96

7.80

5.99

6.53

11.58

7.80

10.00

1.70

EPS€

3.12

3.40

3.22

3.24

3.02

3.08

3.42

3.86

3.91

4.22

1.79

6.90%

2.24%

—

5.85

EPS growth%

23.16

20.42

19.63

18.50

15.54

13.15

15.71

16.77

18.61

18.31

8.39

16.77

18.40

0.46

Bookvalue per sh€

2.82

3.38

3.30

3.67

4.36

4.67

5.40

5.73

6.70

7.75

1.45

12.22%

10.42%

—

1.78

TBV/sh€

3.01

3.44

3.88

4.39

4.50

4.52

4.65

4.71

5.35

5.55

1.85

4.29%

7.59%

—

2.40

Dividend per sh€

2.54

2.60

2.38

2.31

2.50

2.72

2.96

3.17

3.52

1.91

7.03%

2.02%

—

29.40

Div yield (avg)%

10.00

7.49

8.91

6.35

6.79

9.10

11.75

10.48

11.28

11.44

28.26

11.28

9.55

19.66

Payout ratio%

6.63

4.99

4.27

6.55

8.75

5.78

4.04

1.89

0.40

2.33

16.97

2.33

4.63

7.112

Shares (diluted)B

8.052

8.000

8.041

8.695

8.248

7.632

8.606

9.033

9.006

8.896

6.822

1.52%

1.84%

20.23

Buyback yield%

9.08

10.75

11.58

10.92

9.03

8.79

6.18

6.11

6.16

6.63

16.82

6.18

8.91

148.64

Eq/Assets%

187.67

182.02

211.56

235.64

239.73

261.22

269.50

286.01

311.86

329.80

128.70

286.01

250.47

10.69

Assets€B

33.65

36.35

37.89

39.94

42.81

45.08

49.01

51.16

55.41

63.57

14.57

8.23%

7.39%

22.29

LT debt€B

16.14

18.44

17.88

16.76

18.71

19.86

22.80

22.14

25.68

28.53

9.462

8.81%

6.77%

Peers (US$91.67B)

Cap (US$)

Banco Santander, S.A.

172.2B

10.09x

Banco Bilbao Vizcaya…

139.1B

11.32x

Banco de Sabadell, S.A.

18.90B

10.41x

U.S. Bancorp

92.64B

11.56x

Capital

TTM

10Y

Tang eq%

190.72

16.20

17.43

LT debt%

208.58

44.88

45.62

Cash%

227.69

14.64

14.79

Sh yield%

49.63

17.90

17.91

Owners

Insiders/Inst%

7.36

89.82

Short interest%

1.88

SBC / revenue%

2.97

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

ROE range%

0–5

$1 testx

0.1

Incr. ROIC%

—

CaixaBank, S.A., with its subsidiaries, provides banking products and services to individuals and businesses in Spain, Portugal, and internationally through Retail Banking, Business Banking, Private Banking, and CIB segments. Its offering includes payment methods, savings and investment products, financing, life and non-life insurance, advisory and broker services, pension fund and asset management, and reinsurance.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Total assets

€63.57B

7.39%

2.07×

Revenue

€29.70B

(0.14%)

1.00×

Non-interest expense

€17.02B

(0.19%)

0.99×