CAIXABANK SA (1CABK.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1CABK • ES0140609019
10.615 EUR
+0.27 (+2.61%)
Last: Jan 12, 2026, 07:00 PM
We assign a fundamental rating of 3 out of 10 to 1CABK. 1CABK was compared to 114 industry peers in the Banks industry. While 1CABK is still in line with the averages on profitability rating, there are concerns on its financial health. 1CABK is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- 1CABK had positive earnings in the past year.
- In the past year 1CABK had a positive cash flow from operations.
- 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
- 1CABK has a Return On Assets of 1.24%. This is amongst the best in the industry. 1CABK outperforms 81.08% of its industry peers.
- 1CABK has a Return On Equity of 21.86%. This is amongst the best in the industry. 1CABK outperforms 92.79% 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 has a better Profit Margin (29.98%) than 76.58% of its industry peers.
- 1CABK's Profit Margin has improved in the last couple of years.
- 1CABK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- Compared to 1 year ago, 1CABK has less shares outstanding
- 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 has a better Debt to FCF ratio (26.21) than 65.77% 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.
- The Debt to Equity ratio of 1CABK (1.37) is better than 62.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | 26.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 10.79% over the past year.
- 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%.
- 1CABK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.33% yearly.
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
- 1CABK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.40% yearly.
- 1CABK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.92% yearly.
EPS Next Y3.75%
EPS Next 2Y5.09%
EPS Next 3Y6.35%
EPS Next 5Y6.4%
Revenue Next Year2.6%
Revenue Next 2Y3.66%
Revenue Next 3Y4.37%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 12.95, the valuation of 1CABK can be described as correct.
- 76.58% of the companies in the same industry are cheaper than 1CABK, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.30. 1CABK is valued rather cheaply when compared to this.
- 1CABK is valuated correctly with a Price/Forward Earnings ratio of 12.17.
- 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 68.47% of the companies listed in the same industry.
- 1CABK is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.95 | ||
| Fwd PE | 12.17 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as 1CABK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.39 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.45
PEG (5Y)1.26
EPS Next 2Y5.09%
EPS Next 3Y6.35%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.47%, 1CABK has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 3.93, 1CABK has a dividend in line with its industry peers.
- 1CABK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
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
- 37.88% of the earnings are spent on dividend by 1CABK. This is a low number and sustainable payout ratio.
- 1CABK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.88%
EPS Next 2Y5.09%
EPS Next 3Y6.35%
CAIXABANK SA / 1CABK.MI FAQ
What is the ChartMill fundamental rating of CAIXABANK SA (1CABK.MI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to 1CABK.MI.
What is the valuation status of CAIXABANK SA (1CABK.MI) stock?
ChartMill assigns a valuation rating of 2 / 10 to CAIXABANK SA (1CABK.MI). This can be considered as Overvalued.
Can you provide the profitability details for CAIXABANK SA?
CAIXABANK SA (1CABK.MI) has a profitability rating of 4 / 10.
How financially healthy is CAIXABANK SA?
The financial health rating of CAIXABANK SA (1CABK.MI) is 2 / 10.
Can you provide the dividend sustainability for 1CABK stock?
The dividend rating of CAIXABANK SA (1CABK.MI) is 6 / 10 and the dividend payout ratio is 37.88%.