CAIXABANK SA (1CABK.MI) Fundamental Analysis & Valuation

BIT:1CABK • ES0140609019

Current stock price

9.804 EUR
-0.18 (-1.8%)
Last:

This 1CABK.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. 1CABK.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1CABK was profitable.
  • In the past year 1CABK had a positive cash flow from operations.
  • 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.
1CABK.MI Yearly Net Income VS EBIT VS OCF VS FCF1CABK.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B -40B -60B -80B

1.2 Ratios

  • 1CABK has a Return On Assets of 1.33%. This is amongst the best in the industry. 1CABK outperforms 84.07% of its industry peers.
  • Looking at the Return On Equity, with a value of 22.86%, 1CABK belongs to the top of the industry, outperforming 95.58% of the companies in the same industry.
Industry RankSector Rank
ROA 1.33%
ROE 22.86%
ROIC N/A
ROA(3y)0.85%
ROA(5y)0.75%
ROE(3y)14.5%
ROE(5y)13.22%
ROIC(3y)N/A
ROIC(5y)N/A
1CABK.MI Yearly ROA, ROE, ROIC1CABK.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • 1CABK's Profit Margin of 31.40% is amongst the best of the industry. 1CABK outperforms 80.53% 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 RankSector Rank
OM N/A
PM (TTM) 31.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.94%
PM growth 5Y21.19%
GM growth 3YN/A
GM growth 5YN/A
1CABK.MI Yearly Profit, Operating, Gross Margins1CABK.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. 1CABK.MI Health Analysis

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.
  • Compared to 5 years ago, 1CABK has more shares outstanding
  • Compared to 1 year ago, 1CABK has an improved debt to assets ratio.
1CABK.MI Yearly Shares Outstanding1CABK.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
1CABK.MI Yearly Total Debt VS Total Assets1CABK.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

2.2 Solvency

  • The Debt to FCF ratio of 1CABK is 15.27, which is on the high side as it means it would take 1CABK, 15.27 years of fcf income to pay off all of its debts.
  • 1CABK has a Debt to FCF ratio of 15.27. This is in the better half of the industry: 1CABK outperforms 71.68% of its industry peers.
  • A Debt/Equity ratio of 1.36 is on the high side and indicates that 1CABK has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.36, 1CABK is in line with its industry, outperforming 55.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.36
Debt/FCF 15.27
Altman-Z N/A
ROIC/WACCN/A
WACC5.91%
1CABK.MI Yearly LT Debt VS Equity VS FCF1CABK.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B -60B -80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1CABK.MI Yearly Current Assets VS Current Liabilites1CABK.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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5

3. 1CABK.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 6.51% over the past year.
  • Measured over the past years, 1CABK shows a very strong growth in Earnings Per Share. The EPS has been growing by 29.62% on average per year.
  • 1CABK shows a small growth in Revenue. In the last year, the Revenue has grown by 3.38%.
  • Measured over the past years, 1CABK shows a quite strong growth in Revenue. The Revenue has been growing by 12.73% on average per year.
EPS 1Y (TTM)6.51%
EPS 3Y31.47%
EPS 5Y29.62%
EPS Q2Q%12.38%
Revenue 1Y (TTM)3.38%
Revenue growth 3Y8.7%
Revenue growth 5Y12.73%
Sales Q2Q%1.76%

3.2 Future

  • Based on estimates for the next years, 1CABK will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.36% on average per year.
  • 1CABK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.60% yearly.
EPS Next Y6.53%
EPS Next 2Y9.98%
EPS Next 3Y9.36%
EPS Next 5YN/A
Revenue Next Year5.9%
Revenue Next 2Y6.94%
Revenue Next 3Y6.6%
Revenue Next 5YN/A

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.
1CABK.MI Yearly Revenue VS Estimates1CABK.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
1CABK.MI Yearly EPS VS Estimates1CABK.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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4

4. 1CABK.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.67, the valuation of 1CABK can be described as reasonable.
  • Based on the Price/Earnings ratio, 1CABK is valued a bit more expensive than the industry average as 68.14% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.34, 1CABK is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.94 indicates a reasonable valuation of 1CABK.
  • Based on the Price/Forward Earnings ratio, 1CABK is valued a bit more expensive than 61.06% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of 1CABK to the average of the S&P500 Index (38.18), we can say 1CABK is valued rather cheaply.
Industry RankSector Rank
PE 11.67
Fwd PE 10.94
1CABK.MI Price Earnings VS Forward Price Earnings1CABK.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 1CABK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 20.03
EV/EBITDA N/A
1CABK.MI Per share data1CABK.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4 5

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.79
PEG (5Y)0.39
EPS Next 2Y9.98%
EPS Next 3Y9.36%

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6

5. 1CABK.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.01%, 1CABK is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.56, 1CABK is paying slightly less dividend.
  • 1CABK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.01%

5.2 History

  • On average, the dividend of 1CABK grows each year by 45.42%, which is quite nice.
Dividend Growth(5Y)45.42%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 1CABK pays out 36.47% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of 1CABK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP36.47%
EPS Next 2Y9.98%
EPS Next 3Y9.36%
1CABK.MI Yearly Income VS Free CF VS Dividend1CABK.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B -40B -60B -80B
1CABK.MI Dividend Payout.1CABK.MI Dividend Payout, showing the Payout Ratio.1CABK.MI Dividend Payout.PayoutRetained Earnings

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1CABK.MI Fundamentals: All Metrics, Ratios and Statistics

CAIXABANK SA

BIT:1CABK (3/13/2026, 7:00:00 PM)

9.804

-0.18 (-1.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-30
Inst Owners24.17%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap68.87B
Revenue(TTM)28.04B
Net Income(TTM)8.80B
Analysts71.61
Price Target11.7 (19.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.01%
Yearly Dividend0.45
Dividend Growth(5Y)45.42%
DP36.47%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.35%
Min EPS beat(2)3.56%
Max EPS beat(2)17.15%
EPS beat(4)4
Avg EPS beat(4)12.7%
Min EPS beat(4)3.56%
Max EPS beat(4)26.5%
EPS beat(8)8
Avg EPS beat(8)11.29%
EPS beat(12)11
Avg EPS beat(12)11.36%
EPS beat(16)14
Avg EPS beat(16)11.59%
Revenue beat(2)0
Avg Revenue beat(2)-0.77%
Min Revenue beat(2)-1.05%
Max Revenue beat(2)-0.49%
Revenue beat(4)1
Avg Revenue beat(4)0.53%
Min Revenue beat(4)-1.05%
Max Revenue beat(4)4.26%
Revenue beat(8)3
Avg Revenue beat(8)2.06%
Revenue beat(12)7
Avg Revenue beat(12)30.52%
Revenue beat(16)11
Avg Revenue beat(16)43.55%
PT rev (1m)5.32%
PT rev (3m)18.81%
EPS NQ rev (1m)0.24%
EPS NQ rev (3m)1.02%
EPS NY rev (1m)2.75%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0.31%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)1.12%
Revenue NY rev (3m)1.22%
Valuation
Industry RankSector Rank
PE 11.67
Fwd PE 10.94
P/S 2.46
P/FCF 20.03
P/OCF 15.62
P/B 1.79
P/tB 2.07
EV/EBITDA N/A
EPS(TTM)0.84
EY8.57%
EPS(NY)0.9
Fwd EY9.14%
FCF(TTM)0.49
FCFY4.99%
OCF(TTM)0.63
OCFY6.4%
SpS3.99
BVpS5.48
TBVpS4.73
PEG (NY)1.79
PEG (5Y)0.39
Graham Number10.18
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 22.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.4%
GM N/A
FCFM 12.26%
ROA(3y)0.85%
ROA(5y)0.75%
ROE(3y)14.5%
ROE(5y)13.22%
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 3Y16.94%
PM growth 5Y21.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.36
Debt/FCF 15.27
Debt/EBITDA N/A
Cap/Depr 122.76%
Cap/Sales 3.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 39.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.91%
ROIC/WACCN/A
Cap/Depr(3y)107.76%
Cap/Depr(5y)106.87%
Cap/Sales(3y)4.35%
Cap/Sales(5y)4.59%
Profit Quality(3y)221.88%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.51%
EPS 3Y31.47%
EPS 5Y29.62%
EPS Q2Q%12.38%
EPS Next Y6.53%
EPS Next 2Y9.98%
EPS Next 3Y9.36%
EPS Next 5YN/A
Revenue 1Y (TTM)3.38%
Revenue growth 3Y8.7%
Revenue growth 5Y12.73%
Sales Q2Q%1.76%
Revenue Next Year5.9%
Revenue Next 2Y6.94%
Revenue Next 3Y6.6%
Revenue Next 5YN/A
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 1Y-78.63%
FCF growth 3YN/A
FCF growth 5Y-37.78%
OCF growth 1Y-73.82%
OCF growth 3YN/A
OCF growth 5Y-34.85%

CAIXABANK SA / 1CABK.MI Fundamental Analysis 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 for 1CABK stock?

ChartMill assigns a valuation rating of 3 / 10 to CAIXABANK SA (1CABK.MI). This can be considered as Overvalued.


What is the profitability of 1CABK stock?

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 1 / 10.


What is the expected EPS growth for CAIXABANK SA (1CABK.MI) stock?

The Earnings per Share (EPS) of CAIXABANK SA (1CABK.MI) is expected to grow by 6.53% in the next year.