CAIXABANK SA (48CA.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:48CA - ES0140609019 - Common Stock
10.505 EUR
-0.09 (-0.9%)
We assign a fundamental rating of 3 out of 10 to 48CA. 48CA was compared to 114 industry peers in the Banks industry. 48CA has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, 48CA is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- 48CA had positive earnings in the past year.
- In the past year 48CA had a positive cash flow from operations.
- 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.
1.2 Ratios
- With an excellent Return On Assets value of 1.24%, 48CA belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 21.86%, 48CA belongs to the top of the industry, outperforming 94.74% 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
- The Profit Margin of 48CA (29.98%) is better than 78.95% of its industry peers.
- 48CA's Profit Margin has improved in the last couple of years.
- 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.
- 48CA has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of 48CA is 26.21, which is on the high side as it means it would take 48CA, 26.21 years of fcf income to pay off all of its debts.
- 48CA has a better Debt to FCF ratio (26.21) than 66.67% 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 61.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | 26.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.99%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- 48CA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.79%, which is quite good.
- Measured over the past years, 48CA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.26% on average per year.
- The Revenue has decreased by -1.70% in the past year.
- 48CA 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%-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.
- Based on estimates for the next years, 48CA will show a small growth in Revenue. The Revenue will grow by 3.92% on average per year.
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 12.81, the valuation of 48CA can be described as correct.
- 48CA's Price/Earnings ratio is a bit more expensive when compared to the industry. 48CA is more expensive than 77.19% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, 48CA is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 12.04, the valuation of 48CA can be described as correct.
- 68.42% of the companies in the same industry are cheaper than 48CA, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, 48CA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 12.04 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38 | ||
| 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)3.42
PEG (5Y)1.25
EPS Next 2Y5.09%
EPS Next 3Y6.35%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.47%, 48CA has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 3.93, 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 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
5.2 History
- The dividend of 48CA 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
- 48CA pays out 37.88% of its income as dividend. This is a sustainable payout ratio.
- The dividend of 48CA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP37.88%
EPS Next 2Y5.09%
EPS Next 3Y6.35%
CAIXABANK SA / 48CA.DE FAQ
What is the fundamental rating for 48CA stock?
ChartMill assigns a fundamental rating of 3 / 10 to 48CA.DE.
What is the valuation status of CAIXABANK SA (48CA.DE) stock?
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.
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 3.75% in the next year.