CAIXABANK SA (48CA.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:48CA - ES0140609019 - Common Stock
10.37 EUR
-0.1 (-0.91%)
48CA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 102 industry peers in the Banks industry. 48CA has a medium profitability rating, but doesn't score so well on its financial health evaluation. 48CA is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
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.
48CA had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
48CA's Return On Assets of 1.24% is amongst the best of the industry. 48CA outperforms 82.35% of its industry peers.
Looking at the Return On Equity, with a value of 21.86%, 48CA belongs to the top of the industry, outperforming 95.10% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 29.98%, 48CA is in the better half of the industry, outperforming 79.41% of the companies in the same industry.
In the last couple of years the Profit Margin of 48CA has grown nicely.
48CA 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
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.
Compared to 1 year ago, 48CA has an improved debt to assets ratio.
2.2 Solvency
48CA has a debt to FCF ratio of 26.21. This is a negative value and a sign of low solvency as 48CA would need 26.21 years to pay back of all of its debts.
The Debt to FCF ratio of 48CA (26.21) is better than 67.65% of its industry peers.
A Debt/Equity ratio of 1.37 is on the high side and indicates that 48CA has dependencies on debt financing.
48CA has a Debt to Equity ratio of 1.37. This is in the better half of the industry: 48CA outperforms 64.71% 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
The Earnings Per Share has grown by an nice 10.79% over the past year.
48CA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.26% yearly.
48CA shows a decrease in Revenue. In the last year, the revenue decreased by -1.70%.
The Revenue has been growing by 13.33% on average over the past years. This is quite good.
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%-2.11%
3.2 Future
Based on estimates for the next years, 48CA will show a small growth in Earnings Per Share. The EPS will grow by 6.40% on average per year.
The Revenue is expected to grow by 3.92% on average over the next years.
EPS Next Y3.68%
EPS Next 2Y4.9%
EPS Next 3Y6.15%
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
With a Price/Earnings ratio of 12.65, 48CA is valued correctly.
Based on the Price/Earnings ratio, 48CA is valued a bit more expensive than 71.57% of the companies in the same industry.
48CA is valuated cheaply when we compare the Price/Earnings ratio to 26.84, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.93, the valuation of 48CA can be described as very reasonable.
62.75% of the companies in the same industry are cheaper than 48CA, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of 48CA to the average of the S&P500 Index (23.40), we can say 48CA is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.65 | ||
| Fwd PE | 11.93 |
4.2 Price Multiples
61.76% of the companies in the same industry are more expensive than 48CA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 37.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 48CA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.44
PEG (5Y)1.23
EPS Next 2Y4.9%
EPS Next 3Y6.15%
5. Dividend
5.1 Amount
48CA has a Yearly Dividend Yield of 3.54%.
48CA's Dividend Yield is comparable with the industry average which is at 4.31.
Compared to an average S&P500 Dividend Yield of 2.00, 48CA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
5.2 History
On average, the dividend of 48CA grows each year by 40.18%, which is quite nice.
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 48CA. This is a low number and sustainable payout ratio.
48CA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.88%
EPS Next 2Y4.9%
EPS Next 3Y6.15%
FRA:48CA (12/29/2025, 7:00:00 PM)
10.37
-0.1 (-0.91%)
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 Cap73.48B
Revenue(TTM)27.26B
Net Income(TTM)8.18B
Analysts70.67
Price Target9.85 (-5.01%)
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)3.23%
Min Revenue beat(2)-0.59%
Max Revenue beat(2)7.04%
Revenue beat(4)3
Avg Revenue beat(4)32.3%
Min Revenue beat(4)-0.59%
Max Revenue beat(4)122.24%
Revenue beat(8)7
Avg Revenue beat(8)56.88%
Revenue beat(12)11
Avg Revenue beat(12)66.63%
Revenue beat(16)15
Avg Revenue beat(16)63.63%
PT rev (1m)5.26%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.82%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.65 | ||
| Fwd PE | 11.93 | ||
| P/S | 2.69 | ||
| P/FCF | 37.51 | ||
| P/OCF | 26.92 | ||
| P/B | 1.96 | ||
| P/tB | 2.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY7.91%
EPS(NY)0.87
Fwd EY8.38%
FCF(TTM)0.28
FCFY2.67%
OCF(TTM)0.39
OCFY3.71%
SpS3.85
BVpS5.28
TBVpS4.56
PEG (NY)3.44
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 Y3.68%
EPS Next 2Y4.9%
EPS Next 3Y6.15%
EPS Next 5Y6.4%
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y4.29%
Revenue growth 5Y13.33%
Sales Q2Q%-2.11%
Revenue Next Year2.6%
Revenue Next 2Y3.66%
Revenue Next 3Y4.37%
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 / 48CA.DE FAQ
What is the fundamental rating for 48CA stock?
ChartMill assigns a fundamental rating of 3 / 10 to 48CA.DE.
Can you provide the valuation status for CAIXABANK SA?
ChartMill assigns a valuation rating of 3 / 10 to CAIXABANK SA (48CA.DE). This can be considered as Overvalued.
Can you provide the profitability details for CAIXABANK SA?
CAIXABANK SA (48CA.DE) has a profitability rating of 4 / 10.
What is the financial health of CAIXABANK SA (48CA.DE) stock?
The financial health rating of CAIXABANK SA (48CA.DE) is 2 / 10.
Can you provide the expected EPS growth for 48CA stock?
The Earnings per Share (EPS) of CAIXABANK SA (48CA.DE) is expected to grow by 3.68% in the next year.