CAIXABANK SA (1CABK.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CABK - ES0140609019 - Common Stock
9.242 EUR
-0.01 (-0.15%)
1CABK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 108 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year 1CABK was profitable.
1CABK had a positive operating cash flow in the past year.
Each year in the past 5 years 1CABK has 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 82.41% of the companies in the same industry.
The Return On Equity of 1CABK (21.86%) is better than 94.44% 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 77.78% of its industry peers.
In the last couple of years the Profit Margin of 1CABK has grown nicely.
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.
1CABK has less shares outstanding than it did 1 year ago.
1CABK has more shares outstanding than it did 5 years ago.
1CABK has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of 1CABK is 26.21, which is on the high side as it means it would take 1CABK, 26.21 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 26.21, 1CABK is in the better half of the industry, outperforming 71.30% of the companies in the same industry.
A Debt/Equity ratio of 1.37 is on the high side and indicates that 1CABK has dependencies on debt financing.
1CABK has a better Debt to Equity ratio (1.37) than 67.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | 26.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.85%
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 23.52%, which is quite impressive.
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 small growth in Revenue. In the last year, the Revenue has grown by 4.92%.
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)23.52%
EPS 3Y6.48%
EPS 5Y10.26%
EPS Q2Q%N/A
Revenue 1Y (TTM)4.92%
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 5.20% yearly.
Based on estimates for the next years, 1CABK will show a small growth in Revenue. The Revenue will grow by 3.84% on average per year.
EPS Next Y2.84%
EPS Next 2Y3.86%
EPS Next 3Y5.31%
EPS Next 5Y5.2%
Revenue Next Year2.42%
Revenue Next 2Y3.26%
Revenue Next 3Y4%
Revenue Next 5Y3.84%
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
1CABK is valuated reasonably with a Price/Earnings ratio of 11.70.
69.44% of the companies in the same industry are cheaper than 1CABK, based on the Price/Earnings ratio.
1CABK is valuated cheaply when we compare the Price/Earnings ratio to 25.98, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.84, the valuation of 1CABK can be described as reasonable.
1CABK's Price/Forward Earnings ratio is in line with the industry average.
1CABK is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.7 | ||
| Fwd PE | 10.84 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1CABK is valued a bit cheaper than the industry average as 65.74% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.43 | ||
| 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)4.12
PEG (5Y)1.14
EPS Next 2Y3.86%
EPS Next 3Y5.31%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.85%, 1CABK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.85, 1CABK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, 1CABK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.85% |
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 2Y3.86%
EPS Next 3Y5.31%
BIT:1CABK (11/21/2025, 7:00:00 PM)
9.242
-0.01 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.94%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap65.48B
Revenue(TTM)19.66B
Net Income(TTM)8.18B
Analysts70
Price Target9.41 (1.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.85% |
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)15.92%
PT rev (3m)27.13%
EPS NQ rev (1m)4.69%
EPS NQ rev (3m)4.69%
EPS NY rev (1m)2.95%
EPS NY rev (3m)9.86%
Revenue NQ rev (1m)1.44%
Revenue NQ rev (3m)1.66%
Revenue NY rev (1m)0.56%
Revenue NY rev (3m)2.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.7 | ||
| Fwd PE | 10.84 | ||
| P/S | 2.4 | ||
| P/FCF | 33.43 | ||
| P/OCF | 24 | ||
| P/B | 1.75 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.79
EY8.55%
EPS(NY)0.85
Fwd EY9.22%
FCF(TTM)0.28
FCFY2.99%
OCF(TTM)0.39
OCFY4.17%
SpS3.85
BVpS5.28
TBVpS4.56
PEG (NY)4.12
PEG (5Y)1.14
Graham Number9.69
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
WACC5.85%
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)23.52%
EPS 3Y6.48%
EPS 5Y10.26%
EPS Q2Q%N/A
EPS Next Y2.84%
EPS Next 2Y3.86%
EPS Next 3Y5.31%
EPS Next 5Y5.2%
Revenue 1Y (TTM)4.92%
Revenue growth 3Y4.29%
Revenue growth 5Y13.33%
Sales Q2Q%-0.37%
Revenue Next Year2.42%
Revenue Next 2Y3.26%
Revenue Next 3Y4%
Revenue Next 5Y3.84%
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%.