CAIXABANK SA (1CABK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CABK - ES0140609019 - Common Stock
10.375 EUR
+0.35 (+3.49%)
Taking everything into account, 1CABK scores 4 out of 10 in our fundamental rating. 1CABK was compared to 114 industry peers in the Banks industry. 1CABK has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1CABK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
1CABK had positive earnings in the past year.
1CABK had a positive operating cash flow in the past year.
In the past 5 years 1CABK has always been profitable.
Of the past 5 years 1CABK 4 years had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 1.24%, 1CABK belongs to the best of the industry, outperforming 80.70% of the companies in the same industry.
1CABK has a Return On Equity of 21.86%. This is amongst the best in the industry. 1CABK outperforms 94.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 21.86% | ||
| ROIC | N/A |
ROA(3y)0.71%
ROA(5y)0.63%
ROE(3y)12.24%
ROE(5y)11.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
1CABK's Profit Margin of 29.98% is fine compared to the rest of the industry. 1CABK outperforms 77.19% of its industry peers.
1CABK's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for 1CABK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.98% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.8%
PM growth 5Y14.52%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1CABK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1CABK has been reduced compared to 1 year ago.
The number of shares outstanding for 1CABK has been increased compared to 5 years ago.
The debt/assets ratio for 1CABK has been reduced compared to a year ago.
2.2 Solvency
1CABK has a debt to FCF ratio of 26.21. This is a negative value and a sign of low solvency as 1CABK would need 26.21 years to pay back of all of its debts.
1CABK's Debt to FCF ratio of 26.21 is fine compared to the rest of the industry. 1CABK outperforms 68.42% of its industry peers.
1CABK has a Debt/Equity ratio of 1.37. This is a high value indicating a heavy dependency on external financing.
1CABK has a better Debt to Equity ratio (1.37) than 63.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | 26.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.98%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1CABK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.79%, which is quite good.
1CABK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.26% yearly.
1CABK shows a decrease in Revenue. In the last year, the revenue decreased by -1.70%.
Measured over the past years, 1CABK shows a quite strong growth in Revenue. The Revenue has been growing by 13.33% on average per year.
EPS 1Y (TTM)10.79%
EPS 3Y6.48%
EPS 5Y10.26%
EPS Q2Q%-6.61%
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y4.29%
Revenue growth 5Y13.33%
Sales Q2Q%-0.37%
3.2 Future
Based on estimates for the next years, 1CABK will show a small growth in Earnings Per Share. The EPS will grow by 6.40% on average per year.
Based on estimates for the next years, 1CABK will show a small growth in Revenue. The Revenue will grow by 3.92% on average per year.
EPS Next Y3.61%
EPS Next 2Y4.84%
EPS Next 3Y6.05%
EPS Next 5Y6.4%
Revenue Next Year2.59%
Revenue Next 2Y3.61%
Revenue Next 3Y4.32%
Revenue Next 5Y3.92%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.65 indicates a correct valuation of 1CABK.
Based on the Price/Earnings ratio, 1CABK is valued a bit more expensive than 69.30% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.59, 1CABK is valued rather cheaply.
A Price/Forward Earnings ratio of 11.95 indicates a reasonable valuation of 1CABK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1CABK indicates a slightly more expensive valuation: 1CABK is more expensive than 64.04% of the companies listed in the same industry.
1CABK is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.65 | ||
| Fwd PE | 11.95 |
4.2 Price Multiples
63.16% of the companies in the same industry are more expensive than 1CABK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 37.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1CABK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.5
PEG (5Y)1.23
EPS Next 2Y4.84%
EPS Next 3Y6.05%
5. Dividend
5.1 Amount
1CABK has a Yearly Dividend Yield of 3.54%. Purely for dividend investing, there may be better candidates out there.
1CABK's Dividend Yield is comparable with the industry average which is at 4.12.
1CABK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
5.2 History
The dividend of 1CABK is nicely growing with an annual growth rate of 40.18%!
Dividend Growth(5Y)40.18%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
1CABK pays out 37.88% of its income as dividend. This is a sustainable payout ratio.
1CABK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.88%
EPS Next 2Y4.84%
EPS Next 3Y6.05%
BIT:1CABK (12/18/2025, 7:00:00 PM)
10.375
+0.35 (+3.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.14%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap73.51B
Revenue(TTM)27.26B
Net Income(TTM)8.18B
Analysts70.67
Price Target9.85 (-5.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
Yearly Dividend0.55
Dividend Growth(5Y)40.18%
DP37.88%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.06%
Min EPS beat(2)3.61%
Max EPS beat(2)26.5%
EPS beat(4)4
Avg EPS beat(4)13.38%
Min EPS beat(4)2.59%
Max EPS beat(4)26.5%
EPS beat(8)7
Avg EPS beat(8)9.59%
EPS beat(12)10
Avg EPS beat(12)8.59%
EPS beat(16)13
Avg EPS beat(16)8.87%
Revenue beat(2)1
Avg Revenue beat(2)1.84%
Min Revenue beat(2)-0.59%
Max Revenue beat(2)4.26%
Revenue beat(4)1
Avg Revenue beat(4)0.54%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)4.26%
Revenue beat(8)5
Avg Revenue beat(8)24.4%
Revenue beat(12)9
Avg Revenue beat(12)44.98%
Revenue beat(16)13
Avg Revenue beat(16)47.39%
PT rev (1m)4.61%
PT rev (3m)21.27%
EPS NQ rev (1m)-1.57%
EPS NQ rev (3m)3.05%
EPS NY rev (1m)0.75%
EPS NY rev (3m)3.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.44%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.65 | ||
| Fwd PE | 11.95 | ||
| P/S | 2.69 | ||
| P/FCF | 37.53 | ||
| P/OCF | 26.94 | ||
| P/B | 1.96 | ||
| P/tB | 2.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY7.9%
EPS(NY)0.87
Fwd EY8.37%
FCF(TTM)0.28
FCFY2.66%
OCF(TTM)0.39
OCFY3.71%
SpS3.85
BVpS5.28
TBVpS4.56
PEG (NY)3.5
PEG (5Y)1.23
Graham Number9.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 21.86% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.98% | ||
| GM | N/A | ||
| FCFM | 7.18% |
ROA(3y)0.71%
ROA(5y)0.63%
ROE(3y)12.24%
ROE(5y)11.14%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.8%
PM growth 5Y14.52%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | 26.21 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 99.1% | ||
| Cap/Sales | 2.82% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 23.95% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC5.98%
ROIC/WACCN/A
Cap/Depr(3y)104.68%
Cap/Depr(5y)107.87%
Cap/Sales(3y)4.7%
Cap/Sales(5y)4.88%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.79%
EPS 3Y6.48%
EPS 5Y10.26%
EPS Q2Q%-6.61%
EPS Next Y3.61%
EPS Next 2Y4.84%
EPS Next 3Y6.05%
EPS Next 5Y6.4%
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y4.29%
Revenue growth 5Y13.33%
Sales Q2Q%-0.37%
Revenue Next Year2.59%
Revenue Next 2Y3.61%
Revenue Next 3Y4.32%
Revenue Next 5Y3.92%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y102.4%
FCF growth 3Y-24.87%
FCF growth 5YN/A
OCF growth 1Y103.37%
OCF growth 3Y-24.17%
OCF growth 5YN/A
CAIXABANK SA / 1CABK.MI FAQ
Can you provide the ChartMill fundamental rating for CAIXABANK SA?
ChartMill assigns a fundamental rating of 4 / 10 to 1CABK.MI.
Can you provide the valuation status for CAIXABANK SA?
ChartMill assigns a valuation rating of 4 / 10 to CAIXABANK SA (1CABK.MI). This can be considered as Fairly Valued.
Can you provide the profitability details for CAIXABANK SA?
CAIXABANK SA (1CABK.MI) has a profitability rating of 4 / 10.
Can you provide the financial health for 1CABK stock?
The financial health rating of CAIXABANK SA (1CABK.MI) is 2 / 10.
Is the dividend of CAIXABANK SA sustainable?
The dividend rating of CAIXABANK SA (1CABK.MI) is 6 / 10 and the dividend payout ratio is 37.88%.