CAIXABANK SA (48CA.DE) Fundamental Analysis & Valuation

FRA:48CA • ES0140609019

Current stock price

9.818 EUR
+0 (+0.04%)
Last:

This 48CA.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 48CA.DE Profitability Analysis

1.1 Basic Checks

  • In the past year 48CA was profitable.
  • 48CA had a positive operating cash flow in the past year.
  • 48CA had positive earnings in each of the past 5 years.
  • Of the past 5 years 48CA 4 years had a positive operating cash flow.
48CA.DE Yearly Net Income VS EBIT VS OCF VS FCF48CA.DE 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

  • 48CA has a Return On Assets of 1.33%. This is amongst the best in the industry. 48CA outperforms 83.19% of its industry peers.
  • With an excellent Return On Equity value of 22.86%, 48CA belongs to the best of the industry, outperforming 92.04% 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
48CA.DE Yearly ROA, ROE, ROIC48CA.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 31.40%, 48CA is doing good in the industry, outperforming 78.76% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 48CA has grown nicely.
  • The Operating Margin and Gross Margin are not available for 48CA 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
48CA.DE Yearly Profit, Operating, Gross Margins48CA.DE 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. 48CA.DE Health Analysis

2.1 Basic Checks

  • 48CA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 48CA has less shares outstanding than it did 1 year ago.
  • 48CA has more shares outstanding than it did 5 years ago.
  • 48CA has a better debt/assets ratio than last year.
48CA.DE Yearly Shares Outstanding48CA.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
48CA.DE Yearly Total Debt VS Total Assets48CA.DE 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

  • 48CA has a debt to FCF ratio of 15.27. This is a negative value and a sign of low solvency as 48CA would need 15.27 years to pay back of all of its debts.
  • The Debt to FCF ratio of 48CA (15.27) is better than 71.68% of its industry peers.
  • A Debt/Equity ratio of 1.36 is on the high side and indicates that 48CA has dependencies on debt financing.
  • 48CA has a Debt to Equity ratio (1.36) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.36
Debt/FCF 15.27
Altman-Z N/A
ROIC/WACCN/A
WACC5.93%
48CA.DE Yearly LT Debt VS Equity VS FCF48CA.DE 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
48CA.DE Yearly Current Assets VS Current Liabilites48CA.DE 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. 48CA.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 6.51% over the past year.
  • The Earnings Per Share has been growing by 29.62% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 3.38% in the past year.
  • Measured over the past years, 48CA 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%-54.33%

3.2 Future

  • 48CA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.36% yearly.
  • 48CA 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.
48CA.DE Yearly Revenue VS Estimates48CA.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
48CA.DE Yearly EPS VS Estimates48CA.DE 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. 48CA.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • 48CA is valuated reasonably with a Price/Earnings ratio of 11.69.
  • 68.14% of the companies in the same industry are cheaper than 48CA, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of 48CA to the average of the S&P500 Index (25.71), we can say 48CA is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.95, the valuation of 48CA can be described as very reasonable.
  • 48CA's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 48CA is more expensive than 61.06% of the companies in the same industry.
  • 48CA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.69
Fwd PE 10.95
48CA.DE Price Earnings VS Forward Price Earnings48CA.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 48CA is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 20.05
EV/EBITDA N/A
48CA.DE Per share data48CA.DE 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. 48CA.DE Dividend Analysis

5.1 Amount

  • 48CA has a Yearly Dividend Yield of 4.10%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.66, 48CA has a dividend in line with its industry peers.
  • 48CA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 4.1%

5.2 History

  • On average, the dividend of 48CA grows each year by 45.42%, which is quite nice.
Dividend Growth(5Y)45.42%
Div Incr YearsN/A
Div Non Decr YearsN/A
48CA.DE Yearly Dividends per share48CA.DE Yearly Dividends per shareYearly Dividends per share 2026 0.1 0.2 0.3

5.3 Sustainability

  • 36.47% of the earnings are spent on dividend by 48CA. This is a low number and sustainable payout ratio.
  • The dividend of 48CA 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%
48CA.DE Yearly Income VS Free CF VS Dividend48CA.DE 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
48CA.DE Dividend Payout.48CA.DE Dividend Payout, showing the Payout Ratio.48CA.DE Dividend Payout.PayoutRetained Earnings

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48CA.DE Fundamentals: All Metrics, Ratios and Statistics

CAIXABANK SA

FRA:48CA (3/13/2026, 7:00:00 PM)

9.818

+0 (+0.04%)

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 Cap68.97B
Revenue(TTM)28.04B
Net Income(TTM)8.80B
Analysts71.61
Price Target11.74 (19.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.1%
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)1.23%
Min Revenue beat(4)-1.05%
Max Revenue beat(4)7.04%
Revenue beat(8)5
Avg Revenue beat(8)34.54%
Revenue beat(12)9
Avg Revenue beat(12)52.18%
Revenue beat(16)13
Avg Revenue beat(16)59.79%
PT rev (1m)6.26%
PT rev (3m)19.24%
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 11.69
Fwd PE 10.95
P/S 2.46
P/FCF 20.05
P/OCF 15.64
P/B 1.79
P/tB 2.07
EV/EBITDA N/A
EPS(TTM)0.84
EY8.56%
EPS(NY)0.9
Fwd EY9.13%
FCF(TTM)0.49
FCFY4.99%
OCF(TTM)0.63
OCFY6.39%
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
WACC5.93%
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%-54.33%
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 / 48CA.DE Fundamental Analysis FAQ

What is the fundamental rating for 48CA stock?

ChartMill assigns a fundamental rating of 4 / 10 to 48CA.DE.


What is the valuation status of CAIXABANK SA (48CA.DE) stock?

ChartMill assigns a valuation rating of 4 / 10 to CAIXABANK SA (48CA.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for CAIXABANK SA?

CAIXABANK SA (48CA.DE) has a profitability rating of 4 / 10.


How financially healthy is CAIXABANK SA?

The financial health rating of CAIXABANK SA (48CA.DE) is 2 / 10.


What is the earnings growth outlook for CAIXABANK SA?

The Earnings per Share (EPS) of CAIXABANK SA (48CA.DE) is expected to grow by 6.53% in the next year.